vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  Equifax and XXXX  credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXXXXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening.

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser.

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything.

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NV

Complaint narrative:
To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  XXXX  and Experian credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXXXXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted christen guy. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae

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 2021-07-08 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: U.S. BANCORP
State: IL

Complaint narrative:
There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.

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 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: DE

Complaint narrative:
My wife and father received calls From Direct Recovery Services regarding a supposed debt owed for XXXX XXXX and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: OK

Complaint narrative:
I have never heard of this company today. First National Collections Bureau , Inc texted me today for the first time. I have never received a validation of debt from them. I have no idea who they are or what debt they think I owe and from whom. This is a complete violation of the FDCPA. This is not a legal form of communication. I have attached a screen shot of the text message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received correspondence from XXXX of Ally Executive Customer Relations via the Consumer Financial Protection Bureau ( CFPB ) website dated XX/XX/2021. 

However, I did not fill out a credit application with XXXX XXXX XXXX, nor did I give them permission to submit a credit application on my behalf to Ally. 

Please provide proof of my signed and dated credit application to reflect the date my credit was pulled by Ally. Failure to do so means that your agency is in violation of 15 U.S. Code1681n ( a ) and ( b ) I also noticed on your rejection letter dated XX/XX/2021 ; you do not have my complete address listed. I would never fill out a credit application without my complete address.

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 2021-07-08 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from my credit monitoring service that Convergent Outsourcing flagged my file as collections. I never received anything in the mail from the company. I didnt receive any notification from this company. I only was notified of this debt because of my credit monitoring service. On XX/XX/XXXX I mailed a dispute/validation request to this company via certified mail with a return receipt ( certified mail # XXXX XXXX. On XX/XX/XXXX the company once again flagged my credit file as collections. On XX/XX/XXXX, the company received my validation/dispute request ( proved by my certified mail receipt, and a XXXX XXXX signed the return receipt ). It is now XX/XX/XXXX, and the company has once again flagged my credit file as collections. I have not received anything per my validation/dispute request. This company is reporting an erroneous debt on my credit file and should be investigated. I have no relationship with them or their client, if any.

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have been trying to remove this account from my report. I have tried to do factual disputing but I never hear back. I tried doing so in XXXX and XXXX and XXXX. This is only listed on XXXX or XXXX not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Disputed charges for services that I never received. Contacted capitol one several times and upload all necessary documents within the time limit. Now they are telling me that it's too late and they can't help me. Spoke to XXXX, and she told me that there is Noone to speak to regarding this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: CT

Complaint narrative:
Im on a joint auto loan with my girlfriend and when she decided to refinance with AutoPay, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from XXXX XXXX company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

Company response to consumer: Untimely response
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my Equifax report from XXXX XXXX XXXX I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I received a notice from a debt collector. Upon receipt I promptly wrote a letter asking for details regarding the validation of the debt as I was unfamiliar with the creditor and the amount. In my letter I disputed the debt and specifically told them not to contact me except to provide the information requested in the letter. I have not received a response, but shortly after sending the letter I started receiving regular " auto calls '' to call the debt collector saying it was important that I call if I did not want them to start " proceedings ''. The recording also said if I didn't identify myself they would assume they had reached the right person regarding the alleged debt. I have received no letter of validation or the requested information despite my request. However it has been less than 30 days since I received the notice and sent the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I was called and harassed repeatedly by Aargon Agency. When I asked for a proof of debt, I was refused. Little did I know at the time that was illegal.

I then received a notice that they'd posted it to my credit report as a collections without any proof of debt sent to me. So I reached out to Aargon to ask for proof of debt. Once I made it known I knew it was illegal to refuse that to me, I was told that even if I pay this off, it won't be erased from my credit report, which is not okay given that I asked for a proof of debt multiple times and I was refused. All I was trying to do was validate the debt. now, it is on my credit for the next seven years because they didn't abide by the law. 

I still have yet to receive proof of debt from Aargon Agency.

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 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC.
State: DE

Complaint narrative:
My wife and father received calls From XXXX XXXX XXXX regarding a supposed debt owed for Kay Jewelers and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA

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 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
From XXXX transactions, SLS reported {$66000.00} as an " amount paid '' by the borrower with a " beginning balance '' on the account of {$66000.00} and no other charges or fees. See attached XXXX Form 1098. In XXXX, SLS claims these XXXX transactions no longer equal XXXX. See attached SLSXXXXResponse. SLS claims what they are reporting as an " amount paid '' by the borrower was in fact an external transfer to another servicer.

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 2021-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/2021, we received a tax delinquent notice that was supposed to be paid through our escrow account. The original amount was {$980.00}. I contacted Amerihome and was told over the phone that the bill would be taken care of and that the process was just delayed. However, in XXXX, I received a formal delinquency notice with a fee attached to the same bill I was notified back in XXXX, this time in the amount of {$1000.00}. Again, I reached out to Amerihome. I was then instructed to send an email of the letter and they would take care of the issue within 10 days. I never received a notice from Amerihome. However, I did receive another delinquency notice of the same tax bill in XXXX with another fee added to the amount of {$1100.00}. I therefore reached out a third time to the company and received instructions to repeat the process of emailing the delinquency notice and waiting 10 days before having it resolved. Within the 10 days, I saw that the bill was paid along with the fees directly out of our escrow account to the full amount of {$1100.00}. When I reached out asking why the bill and the fees were directly paid out of our escrow, we were then told that the tax bill was not their responsibility. Firstly, I would have appreciated being told before all the fees were added so I could have figured this out myself. Secondly, this is the first time in years of living here that we have received a delinquency tax notice that was not the responsibility of Amerihome to pay through our escrow. We have been paying all of our taxes through the escrow just fine previously, so I am not sure how they can decide one year that the tax bill is not their responsibility to pay. 
Later, as of XX/XX/XXXX, we then received a delinquency notice of our Home insurance. To prevent cancelation of our policy, we paid the month directly out of pocket to the amount of {$270.00}. In discussing this with Amerihome, they are claiming that the house insurance company has not provided any info for them to pay. I am not sure what info was required because we have used the same exact house insurance company since the purchase of the house. In discussing the issue with our house insurance company, they stated that Amerihome was simply not paying the renewal insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Capital One Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX purchasing a puppy on XXXX. Breeder wanted payment by XXXX on Chase app. Before I made pymt I called my bank, CHASE, to make sure their fraud protection would cover. 
TELEPHONE CONVERSATION WITH CHASE WAS RECORDED. 
CHASE CUSTOMER SERVICE REPRESENTATIVE. 
I explained I was buying a puppy on XXXX  with XXXX. She said I was absolutely covered if it was a scam or fraud. To VERIFY I stated again to be sure she understood, and CHASES CUSTOMER SERVICE " ASSURED '' me I was protected. 
I NEVER WOULD HAVE PAID THRU XXXX IF CHASES CUSTOMER SERVICE REPRESENTATIVE HAD NOT " ASSURED '' ME CHASE WOULD PROTECT FROM FRAUD AND SCAM. 
IT WAS A SCAM AND FRAUD. 
NOW CHASE WILL NOT COVER. 
TELEPHONE CONVERSATION RECORDED ... .... 
TOTAL {$890.00} ... 1. {$540.00} 2. XXXX CHASE NEEDS TO OWN RESPONSIBILITY FOR THEIR POORLY TRAINED CUSTOMER SERVICE REPRESENTATIVE THAT COST ME MONEY. 
CHASE NEEDS TO BE HELD RESPONSIBLE, AND OBLIGATED TO REIMBURSE ME {$890.00}.

Company response to consumer: Closed with explanation