vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: NY

Complaint narrative:
My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.

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 2019-04-29 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: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

Franklin Collection is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX Bank. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, JCPenny ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

XXXX XXXX is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and JCPenny have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A consumer fail to protect my privacy information as they promise A consumer fail reporting negative information A consumer fail bankruptcy

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 2019-04-29 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: NY

Complaint narrative:
My Identity has been compromised and misused for the XXXX XXXX mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.

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 2019-04-29 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: NY

Complaint narrative:
My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am default on the Mortgage Payment 4.8 month. the break down is as follows : XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} _________________________________ Total Balance Due : {$7100.00} _________________________________ I send two partial payments that total more than the outstanding balance due. 
1st Partial payment : {$4200.00} Received by Ocwen ( XXXX XXXX ) XX/XX/XXXX 2nd Partial payment : {$3200.00} Bank Check Received by Ocwen Express Mail _______________________ on XX/XX/XXXX. 
Total Payment Send : {$7400.00} Ocwen Decline to accept the payment return XXXX XXXX Payment ( see attached Ocwen letter dated : XX/XX/XXXX ) Ocwen Accelerated Loan the balance to XXXX. I was not offered the opportunity to re-instate the past due balance. Ocwen just referred my Account to XXXX XXXX, LAW OFFICE which fail to send 90 Notice Intent to Foreclose. Ocwen & XXXX XXXX are in partnership to cheat owners out of there home with low mortgage balance in order to make a profit and add aggressive interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
This company sent me a letter that does not belong to me, the only thing that appears to match any of my information is a first name, the last name is incorrect I believe they are mixing my file with someone else 's because there is also an incorrect drivers license number. They claim that there's a warrant for my arrest yet I've just updated my drivers license and nothing was ever mentioned about warrants also this is a collection from over 20 years ago and this is the first time I've ever heard of this and they are sending notices to my address, the date of offense on the letter is XX/XX/1994. I was in highschool at that time and have never wrote a check while in highschool so the entire letter to me seems odd and suspicious. I've checked with the courts whom they say theres a warrant with and there is no warrant for me because they have invalid information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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: CA

Complaint narrative:
Three years of back-and-forth and because it had already been discussed two of the three CRAs have yet to remove what is a gross error on my credit report regarding the current existence of a child support case. 

As you can see I have attached the necessary proof to show otherwise and would appreciate the compliance of the FCRA by both companies in the instant removal of the miss information.

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 2019-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I had a passed due balance XX/XX/2018 only Bank of America credit card. Ive had multiple fraud issues with BOA, and people hacking into my email and more importantly my account with BOA. Ive had to change my account and get new debit cards and credit cards which Im turn made my automatic payments late with multiple accounts. Luckily I caught all of them in time except for the BOA account. Ive never been late, Ive worked hard on fixing my credit after my BK, and now Im right in the middle of our purchasing a home and this discrepancy is causing a major issue with financing for me. Ive tried disputing this through all 3 bureaus and BOA directly but unfortunately have had no success. Please help me get this off of my credit report. Im desperate

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank continues to ignore repeated instructions to not enroll me in their " optional '' overdraft service. 

Ally Bank authorized a debit from my account when the balance was {$140.00}, for {$390.00}. Prior to the transaction posting I had supposedly " frozen '' my debit card from any transactions being approved through it via the " Card Control '' product. 

The Ally Bank website offers this advice : " If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won't charge an overdraft fee. '' I do not have overdraft transfer service setup, but yet, they processed this transaction and charged me an overdraft fee. 

I have tried to talk to Ally about it, however, they claim that they " may '' authorize transactions that will overdraft my account at their sole discretion and " may '' charge me that fee if that happens. 

Yet, the agreement and website state something entirely different.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AP

Complaint narrative:
The company made no effort to contact me about the debt. I've asked for verification of the debt months ago and never received a statement or verification. I submitted a complaint and their response was that they could not find a debt that matched the information provided, so how were they able to submit it to the credit bureaus? I had to use their website to attempt to find a statement number and the website had a hard time finding it. I eventually found reference number XXXX and ID XXXX, but I do not know which number is relevant to the account. I have no knowledge of an account number at all.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Platinum MasterCard with a minimum payment of XXXX dollars. I recently have gone through financial hardship and have been late on making a few payments. Over the following months my minimum payment had increased to a maximum of {$190.00} with the addition of {$76.00} in past dude fees and {$30.00} interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was XXXX XXXX XXXX ( XXXX  ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from XX/XX/2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from XXXX with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to XXXX. XXXX informed me that XXXX had all of the documentation associated with the account in question. 
When I spoke with a representative at XXXX they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with XXXX or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( XXXX  ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.

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 2019-04-29 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: TX

Complaint narrative:
II have sent the proper documents to Equifax for them to remove the accounts from my profile. They haven't I have follower all the proper procedure to get these accounts remove from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I contacted the following company in XX/XX/2019 through a certified letter explaining that i have never done business with them but they would not cooperate with me, instead they insisted that the debt was mines. I have also contacted the credit bureaus repeatedly and they have refused to give me the results of there investigation. LVNV Funding in the amount of {$1800.00} that is on my XXXX and my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Submitted an online dispute with TransUnion on an account that has been paid in full. However, TransUnion states that the account has been verified at {$470.00} ( XXXX XXXX ). If the account was actually verified, it would show that it was paid off. I also have attempted to do a reinvestigation multiple times with supporting documentation but their web site freezes up and won't allow me to access the web page to do so.

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 2019-04-29 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: CONTRACT CALLERS INC
State: OR

Complaint narrative:
On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was Contract Callers Inc. ( CCI ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from 2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from CCI with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to CCI. XXXX informed me that CCI had all of the documentation associated with the account in question. 
When I spoke with a representative at CCI they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with CCI or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( CCI ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.

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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I contacted the following company in XXXX through a certified letter explaining that I have never done any business with them but they would not cooperate with me, but instead they insisted that the debt was mines. I also contacred the credit bureaus for 6 months but they have refused to provide me proof of there investigation. Midland Funding in the amount of {$1300.00} is on my XXXX  credit report.

Company response to consumer: Closed with explanation