vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
An entity purporting to be a legitimate debt collection agency, Harris & Harris , Ltd., sent a fraudulent deliquency notification for treatment provided XX/XX/2020 by XXXX XXXX XXXX XXXX. The notice provides telephone number XXXX. When I called to verify the notice by providing the reference number, the entity terminates the call. The address listed for remitting payment is Harris & Harris , Ltd. c/o Trustees of XXXX University, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. A pay by phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc
State: NC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery keeps calling me at my job. I work at a dealership and they call reception asking for me, stating that they are on a recorded line. I asked several months back NOT to call my job and they keep doing it. Today when they called I told them I reported them and the girl said " Now wait just a minute. This is the first time I called you '' I hung up the phone. I am about to file Chapter XXXX bankruptcy and they continue to call me at my job. This is against the law if they have been told I can not take these calls at my job. 

I want them to be punished for there harassment and rude way of speaking. The number they call on is XXXX. Sometimes from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXXNEW AMERICAN FUNDING XXXX, on XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX and on XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I have been a with XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of check fraud amounting to {$10000.00} being stolen from my checking account. I submitted a claim to US Bank and they denied it stating that I failed to secure my checks. This claim is false and based on zero evidence of such neglect on my part. I resubmitted the claim to appeal their decision, stating that these checks were destroyed back in 2017. This second claim was also denied. 

Checks were created and cashed with XXXX in the memo, and a signature that does not resemble my signature whatsoever. 11 checks in total were forged, and completely depleted my checking account. 

Checks with dates and amounts are as follows : XXXX {$250.00} | XXXX {$49.00} | XXXX XXXX XXXX XXXX {$49.00} | XXXX {$250.00} | XXXX {$4000.00} | XXXX {$49.00} | XXXX {$250.00} | XXXX {$5000.00} | XXXX {$5000.00} ( This check bounced ) | XXXX {$49.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
WRONG NAMES AND PREVIOUS NAMES AND PREVIOUS ADDRESSES NEED ATTENTION LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I had leased a XXXX vehicle and when i returned the vehicle i did a walk around the vehicle with a company representative to show no damage to the vehicle. Later on i got a final bill that said i had XXXX bill do which showed XXXX in damage. I called to dispute it but they never sent me proof of anything. I eventually paid it anyway just because it was easier to do then to continue to fight it. i recently got a home loan and saw that the dealership listed my account as a paid charge off. This account was never charged off. I made my payments every month and even the final bill was paid in a timely manner. It is being misreported as a negative account when it was never a negative account. No payments missed and not a charge off. Please help me to get this removed from the credit bureaus as a negative. I have perfect credit and this bothers me especially since it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Today XXXX XX/XX/2020 XXXX, I learned that Chase bank proceeded with a credit report pull despite me stating specifically to multiple representatives ( Including a XXXX whom is a supervisor ) to not pull my credit and NO to the reconsideration for my recently closed Chase card ending in XXXX. Chase informed me today that they mistakenly submitted an credit cad application for me XXXX XXXX XXXX XXXX and meant to do another person. They did this on purpose in my eyes and is against the fair credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest sold me a mechanically malfunctioning vehicle back in XXXX XXXX, XXXX. This was 3 days after a major accident I had with an XXXX driver who knocked out XXXX XXXX  in my XXXX  and one in my XXXX  destroying my last vehicle. When I purchased the vehicle, I was sure to buy full coverage insurance, GAP insurance and anything else they sold me as a protective add on stating I did not want to pay major repair cost on a nearly {$20000.00} vehicle. They also ensured me there were no major issues to the vehicle upon purchase. 

Shortly after, I Started experiencing transmission and clutch issues. I had the car serviced twice for the same issue which they claimed they resolved. By the 3rd time, they claimed my milage to resolve the pre-existing issue was just out of warranty to service the car. They claimed the repairs would cost an additional {$4000.00} to fix permanently. This was after only having the car for about 9mths! 

I made the decision in the fall of XXXX to do a voluntary surrender stating they sold me a bad vehicle which is concealing information while engaging in a lawful contract. Transmissions and clutches on automatic cars don't burn out on vehicle within 9 months unless they're already bad. I did research on the XXXX XXXX and found many of them were having those same issues and consumers we're getting stuck with " hidden lemons. '' Bridgecrest not only failed to provide this information upon signing the car loan, they failed to provide the following via mail or certified mail at my primary residence of 10yrs. : -No right to redeem letter according to GA right of redemption laws -No 10 day letter of guarantee prior to car auction/sale -No post-auction sale statement showing the sale balance recovered at auction. 

This loan is illegally on my credit report given the above information hasn't been provided by the consumer law protection codes in the state of GA. The loan balance to date shows the original balance and a massive amount of interest totalling {$22000.00}. 
Original loan amount Bridgecrest needs to provide this information : -Rght to redeem letter according to GA right of redemption laws -10 day letter of guarantee prior to car auction/sale -Post-auction sale statement showing the sale balance recovered at auction. 

The request to remove the loan from my credit report and provide the necessary redemption letter, 10 day letter of guarantee and auction sale information via certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MO

Complaint narrative:
I closed on my loan XXXX the closer went through the documents, had me sign and was gone. Out of the proceeds my old loan and several debts were to be paid. I kept calling the companies to see if the balances had dropped, nothing. On the XXXX of XXXX after multiple calls I was told there was a glitch in the system and my courtesy checks the payoffs to my creditors never printed and were therefore NEVER sent. I verified had I not called to inquire, I would have been waiting forever, they said true, it was a glitch and they would overnight the checks. The checks arrived on the XXXX I believe, were coming up on a month now that I am paying double interest ( my mortgage and the debts ). Because it took so long one of the bills is paid off so I have a check that is virtually worthless, and the check to payoff my car loan to Missouri XXXX XXXX XXXX XXXX, was made payable to XXXX XXXX, I verified with the Credited Union that they Can not cash such a check!!! After many calls I reach XXXX XXXX at First American Title Insurance Company Mortgage XXXX XXXX, who assured me she would take care of this hopefully by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX XXXX  and I can not reach her nor have I heard from her. I Have a loan that closed almost a month ago with checks totalling XXXX that are worthless to me that I am paying interest on. 

I am at the end of my rope and hoping you can assist. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is replied to a consumers complaint the following : Company 's Response to complaint number XXXX The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

Now my question is, why did Equifax did not send me a letter asking for additional documents for a dispute I sent in XXXX of 2020. I will attach the documents I have sent them with my disputes. Let 's see what excuse they give me now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I recently noticed a collection on my credit report from XXXX XXXX. I have spoked to XXXX, the collection company and the legal firm handling the collection. The date of birth and the email address they have on this account does not match my personal information. 

I have been a client of XXXX for the past 6 years and do not have a XXXX account. This debt does not belong to me. 

We live in a duplex and based on the mortgage documents held by our landlord the side of the property that he lives in has the legal address of XXXX XXXX XXXX XXXX. 

The original balance on this account was {$530.00}, current balance is {$360.00} according to my XXXX  report. 

Please remove this account from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX  XXXX, XXXX XXXX XXXX  I am doing this on my own behalf and really need someone to help me with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation