vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX/XXXX  XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section XXXX09 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO XXXX. 

XXXX XXXX

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 2019-08-26 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: PA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by I.C. Systems Collection by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, I.C. Systems Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

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 2019-08-26 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: NC

Complaint narrative:
I have disputed inaccurate late payments showing up in my credit file from Equifax 7 times. The credit file is showing that I paid XXXX  XXXX payments late over 180 for several years which is completely false. I disputed this issue with XXXX and XXXX as well and the inaccuracies were removed right away when I provided the proof and documentation. Equifax refuses to remove the false late payments even though I have provided payment history that was signed and notarized as well as letters from the crediting company that states the late reporting 's are not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I was referred to XXXX by an Agency to inquire about the cost of a program that both organizations participate in. 

The Sales Associate stated yes but needed to print the required form and I never got the Form. 

The Sales Associate asked for basic information and identification but at no time during the encounter that I give any Sales Associate at XXXX the permission to conduct an inquiry of my personal Credit Report. 

I did not agree to the cost of XXXX XXXX and I left the store. 

I went home and check my Credit Report and History. I found that an Unauthorized Hard Credit Inquiry was conducted by XXXX that reflects a Hard Inquiry on TransUnion. 

The identifying information provided by XXXX is incorrect/false. 

The information does not reflect my correct Mailing, and Physical Address nor City ;  also, I do not have a XXXX phone. 

I contact both ( XXXX and TransUnion ), by telephone on XX/XX/2019 to delete the Hard Inquiry from XXXX, dated XX/XX/2019 because it was unauthorized. 

TransUnion states the following : 1. I need to submit a Deletion Letter from XXXX. 
2. A letter from myself authorizing TransUnion to delete the Hard Inquiry by XXXX. 
3. I was given a case number, ( XXXX ) for future reference. 

Also, I contact XXXX Corporate Office by phone on XX/XX/2019 for a Deletion Letter but was advised that : 1. XXXX does not issue Deletion Letters ; instead, 2. I should dispute my Case with TransUnion through the Consumer Finance Protection Bureau. Furthermore, XXXX Corporate Office give me this web site : www.consumerfinance.gov and suggested that I follow the procedures and guidelines to file this report.

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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This debt originated in XX/XX/XXXXI was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: OR

Complaint narrative:
I called to cancel my XXXX XXXX on Wednesday XX/XX/XXXX because I was changing my service to XXXX/XXXX on Saturday XX/XX/XXXX. The representative advised my cutoff date for billing was the XXXX of each month. During that call I explained to the representative that I was working from home that week because of sick kids and needed my internet services for Friday the XXXX. She placed me on hold for several minutes and came back and said she was able to work it out that I could keep my services until XXXX on the XXXX with no additional charges and I would not be billed for another month. I returned the equipment withn the boxes and XXXX tracking they provided within a week of cancelling the services. I did not receive any calls or follow up from XXXX until XXXX. I received a past due notice saying I owe {$81.00}. I called XXXX on XX/XX/19 and spoke with XXXX. I was told an investigation would be opened and completed about the bill they sent under claim # XXXX and it would be up to 5 days. I asked that they listen to the call to confirm what I was told and I requested the bill to be waived after listening to that call. Again I did not receive any follow up until XX/XX/19 when I got another bill for {$290.00}. I no longer have access to my old account online and they failed to follow up in writing or by phone. It is XXXX XXXX error for this bill and they need to waive it based on what I was told during my cancellation call. They can confirm all this by reviewing that call as they should be recording their calls. I previously filed a CFPB complaint against XXXX on XX/XX/19 but it was forwarded to the FTC and I have not received any follow up from Frontier. That complaint number was XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST
State: MO

Complaint narrative:
XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.

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 2019-08-26 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: PA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Back in XXXX Chase bank dissolved an IRA account that I had with them and sent the balance to God knows where. They made me travel to USA from XXXX to rectify the problem. At the time my daughter was small and we had family support for me to travel. 
Now comes XXXX about XX/XX/XXXX. Somebody at Chase bank got the notion that my account is being hacked. They requested from me my old addresses which I unfortunately under pressure and personal XXXX XXXX XXXX started at the oldest trying to get to the newest. they didn't like the minor information I gave them and requested 100 % address. I didn't do good. I fumbled. They requested my debit card which I left in XXXX. 
Once I got to XXXX from my vacation I called them back but they still wouldn't give me access. To top it off my debit card was blocked and I cant use it in XXXX. 
They asked me to leave my daughter unable to get out of bed and into her XXXX  and my wife who doesn't speak English in XXXX and travel to USA for an x amount of days to prove who I am. To spend at least XXXX dollars which they wont pay for. Nor will they pay for my mobile phone calls I made from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: OR

Complaint narrative:
In XX/XX/XXXX, Rash Curtis associates added a debt to my credit claiming that I owe them nearly {$3000.00}. They claimed that this debt is several years old and has never been paid. This debt was actually paid for by my insurance in XX/XX/XXXX, from a XXXX that happened XX/XX/XXXX. They have been bullying me and claiming false accusations even after calling XXXX XXXX and getting a claims summary and providing it to Rash Curtis. It has been a month since I have contacted and provided proof of payment, all they tell me is to wait another week and continue to push me away without solving anything and adding to the collection of debt they believe is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2019, I exercised my rights under FCRA 611(a)(6)(B(iii) which provides that a consumer may request “a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available,” regarding inaccurate accounts on my credit reports reported by XXXX/Law Offices of Mitchell Bluhm by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX.  To date, I have not received any  compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019.  To date, XXXX/Law Offices of Mitchell Bluhm is reporting false information to my credit bureaus.  Therefore, I expect this account will be removed from my credit files immediately.  Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. 

On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX  XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX  XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. 

On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX  XXXX. Since then, Discover insisted that I owe XXXX XXXX  {$11000.00}. 
Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX  XXXX   wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars  ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. 
On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX  XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. 
I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Nationwide Recovery Service by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, Nationwide Recovery Service is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I started my FHA mortgage back in XX/XX/2012. My home value is listed as {$130000.00} and I currently owe {$100000.00} on my loan. That means my LTV is currently at 77.90 %. I am below the FHA required 78 % to remove the PMI from my FHA loan. I have already submitted my request in writing to Suntrust Mortgage, however they're insisting that my LTV is still sitting at 83.83 % and can not tell me how they keep coming to that calculation. I have even received automated text messaged from Suntrust regarding my loan saying I'm below the 78 % LTV.

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 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX XXXX repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in XXXX. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: PA

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE

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 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by First Federal Credit Control by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, First Federal Credit Control is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation