vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: NC

Complaint narrative:
Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with XXXX, and I am not an authorized user on an account with XXXX. Please assist and remove.

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 2020-01-11 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: NC

Complaint narrative:
Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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: DISCOVER BANK
State: NC

Complaint narrative:
Account from Discover with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.

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 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I sent a debt validation letter to FirstSource and they responded with a letter that I received on XX/XX/2020. The letter which I will upload a copy of stated that they did receive my request for them to validate the alleged debt. In the letter I requested that if this debt in indeed mine I would like a copy of the original contract between myself and the company. FirstSource responded with a statement of charges that does not prove that this debt is mine. If there is no proof of a contract then they have no authority to report or collect from me. This makes this debt unverifiable and FirstSource needs to cease collection activities. They simply gave me a printout of a statement does not constitute verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen. Did not give permission or authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My identity was stolen. Did not give permission or authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: DC

Complaint narrative:
On XXXX2020 I received a letter from Synergetic Communications Inc ACCT # XXXX on behalf of XXXX XXXX XXXX ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1.  THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to  collect from the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
When I moved from California to Virginia in XXXX, my ex and I placed all of the shared California accounts in his name, including the XXXX account that led to this dispute. At some point between XXXX and XXXX, he let the account fall into collections. 

I knew nothing about that until XXXX when it popped a notification on my credit monitoring service and subsequently on my credit report. I received no emails, no mailings, and no phone calls about it ( from my ex, from XXXX, or the collection agency XXXX XXXX ) until it appeared on my credit report. At less than {$400.00}, I would have paid to resolve the issue before it went to collections had I known about it. 

My ex has since paid the collection. Ive tried to work with both XXXX over the phone and in-store, and Ive tried to work with XXXX XXXX to have the collection entirely removed from my credit since I am in no way responsible for this issue and had no opportunity to intervene in the situation before it went to collections ; both companies point me to the other to have it resolved, but neither will actually do anything about it. 

I have disputed this successfully with XXXX and XXXX ; as a result, my credit is accurately reflected at just over 800 with both agencies. I have disputed this with Experian without success ; the issue is dragging my score below 700 with them and as Im trying to buy a home, this is a problem. 

This is negatively impacting my financial position even though it is in no way an accurate reflection of who I am as a borrower which is the entire purpose of credit scores and reports. So this is my last hope - Im respectfully asking for this to be either removed from my credit or at the very least, have the negative impact to my credit score nullified so that I can proceed with my mortgage. 

Thank you in advance for your consideration and for helping me save several hundreds XXXX thousands? ) of dollars over the lifetime of my upcoming mortgage.

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 2020-01-11 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Initiated a balance transfer from another account to Wells Fargo and made timely payments during the promotional period. 15 days before the expiration of the promotional period I called in to pay 100 % of the balance off before the promotional period expires and interest is charged. Three levels of customer service confirmed with me that I could not pay off a specific promotional balance because their system did not allow for payments to be applied to specific promotional balances ( I had two ). Further, I was repeatedly told that though my statements say the promotional interest rate expires on XX/XX/2020, it didn't really expire until the end of the billing cycle, or XX/XX/2020. I was told this is actually how Wells Fargo does this, but yet, I had nothing in writing to back up their statements. I was told to call in after the close of the billing cycle and as assured on the phone I would not be charged interest until after the close of the billing cycle. Three issues : 1. Zero ability to pay off the promotional balance separately, and, 2. I had zero documentation reported to me on how my payments would be applied, because my thought is they would be applied to the balance expiring first, and, 3. I had zero documentation reported to me on their purported actual date the promotional  interest rate actually expires. 

I want to pay what I owe and have it paid before I am charged interest, yet, this does not seem possible.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
A recent credit report secured from " Sagestream LLC '' about my credit was knowingly reported extremely low rating in order to cause high interest rate with the bank requesting the report. This appears to be common practice with that company given the large amount of complaints that can be found on the internet regarding this agency. My legitimate credit rating is XXXX, but reported by Sagestream LLC as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am not the primary card holder. The primary card holder is in bankruptcy and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Account was charged off. The date of last payment was XX/XX/2013. Balance keeps growing which is illegal if its charged off. Shows high balance of {$2000.00} but reporting balance of {$4600.00}. Also the loan type on credit report is incorrect. Showing secured when it was personal.

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 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: DC

Complaint narrative:
On XXXX I received a letter from XXXX XXXX XXXX ACCT # XXXX on behalf of Usi Solutions Inc ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1. THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to collect from the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: ERC
State: NY

Complaint narrative:
Opened up a credit site and noticed a fraudulent collection account and some fraudulent inquiries on all bureaus fraudulent accounts : ENHANCED RECOVERY COMPANY {$100000.00} XXXX XX/XX/XXXX ACCT # XXXX FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX SERVICES DATE XX/XX/XXXX ( XXXX ) 2. XXXX DATE : XX/XX/XXXX ( XXXX ) 3.XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) 4. XXXX DATE : XX/XX/XXXX ( XXXX ) 5. XXXX DATE : XX/XX/XXXX ( XXXX ) 6. XXXX DATE : XX/XX/XXXX ( XXXX ) 7. XXXX XXXX DATE : XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA

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 2020-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I missed payments for XXXX and XXXX ; which I paid, but the amounts owed {$8000.00}. 
I have not idea how I owe {$8000.00} due to default ; when my mortgage payments {$2300.00}. 
I paid the {$4600.00} to catch up payment, but still would like further info on how they figured I owe {$8000.00}.

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 explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.

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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!

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 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I received a letter from Alpine Credit saying they were attempting to collect a medical debt from me. They claim that the debt is from an imaging company. I have not had imaging done in the past year. I emailed them asking for additional and basic details surrounding the collection. They failed to respond. The details I need to confirm if the debt is legit include the patient name, date of service, and what the service was. These seem like basic details that should be provided in the initial collection attempt. This seems fraudulent.

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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!

Company response to consumer: Closed with explanation