vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-25 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: AL

Complaint narrative:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with Experian and the collection agencies listed below.

I've sent letters to both Experian and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that Experian say they are accurate?

I specifically asked Experian and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has Experian.

Experian hasn't provided me with a response to when and how did they verify these accounts. I feel as if Experian, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for Experian to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think Experian makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent Experian on XX/XX/XXXX that they received on XX/XX/XXXXclearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have Experian remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against Experian, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I made the full amount of XXXX dollars to XXXX XXXX XXXX on XX/XX/2019 and I called them to remove that from report, they never did. I what to know what I'm supposed to do next and what actions?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Joint with Responsibility XX/XX/XXXX Date Opened Reaffirmation of debt. {$17000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$25000.00} Original Balance {$0.00} Highest Balance 80 Months Terms {$13000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

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 2019-12-25 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX  hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX  Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) MIDLAND FUNDING Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My XXXX credit card was paid off in XX/XX/2019. I had automatic payments set up and paid early on the XX/XX/XXXX balance. Since then they have been charging me interest and late fees that now result in {$170.00}. I have tried calling the company who don't listen to my complaints, emailed, and sent one letter. I received 4=8 calls a day from this company. When I answer they hang up. I have reported this to the XXXX ; synchrony bank did not respond. My credit report now has a negative mark as result of this. I do not know where else to turn to in regards 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 non-monetary relief
Consumer complaint received 2019-12-25 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not 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 2019-12-25 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not 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 2019-12-25 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I have an email acccount with GMail of Google Inc. It needs to be paid for at $ XXXX/month. I received a bill now that says that if I don't resume payments within a few days, that the email account will cease to function. In that account, I have numerous folders with valuable content in them. So, in effect the email from Google constitutes a type of threat or insinuated threat that I need to pay immediately or else have some of my property deprived from me. I am not able to access those credit cards to my name that have the money to be able to pay Google, because I would have to order them online and then wait 10 days for them to arrive in the mail. So, it almost seems as if the timing of the message from Google someone knew that I am having these financial problems and is timing the " threat '' based on what the computer says is my ability to pay right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/2019, Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX, To : Consumer Financial Protection Bureau : Subject : UMB, Bank not fostering consumer confidence in banking! 

There is an issue of trust and misleading business practices at the below bank. 

UMB XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, KS XXXX On XX/XX/2019, I deposited {$200.00} in cash and received a deposit receipt. I verified that the money was deposited into the bank through mobile banking at XXXX XXXX  Around XXXX XXXX  XX/XX/2019 the money was gone out of the checking account ending in XXXX. 

I needed that money to be there for the intent to pay XXXX XXXX Bill with UMB, Bank mobile banking on XX/XX/2019. 

I had to immediately make a mobile deposit from another bank into UMB, Bank to cover this payment with XXXX XXXX. 

The problems is, if I would have not caught this mistake by UMB, Bank I would have incurred Non Sufficient Funds Check Fees with XXXX  XXXX and UMB, Bank. 

I am concerned that this may be a practice for capital gain. Enclosed are supporting documents. 

I am giving the bank a copy of this letter and they probably will be contacting you soon, but still please look into this matter of concern as I don't want this to happen to anyone else if it's not already have. 

If I can be of help of any kind, I can be reached at XXXX Thank You for protecting the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
Kinum, Inc. ignored my letter ( sent to them within 5 days of their initial communication ) asking them to substantiate their claim that I owed debt. They falsely accused me of owing debt, distorting facts and misrepresenting an agreement I had with a vendor. I sent the letter by certified mail, asking for substantiation of the debt and asking for proof that they had a right to collect it. I know they received it because their employee signed the certified mail receipt. Before responding to me, they contacted my relatives and terrified them. They also contacted me and claimed they never got the letter even though I have signature proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
I was in Chapter XXXX and I received discharge of all debts on XX/XX/2014 including the homeowner association fees, the amount of about {$9000.00} and after the discharge the collection company continued adding interest and penalty and according to their last demand over {$23000.00}. I went to collection company provided them with evidence of the discharge of the debts and provided them with the bankruptcy court order. Also, talked to their attorney and provided him with same information. I gave them copy of the discharge order. 
I advised them their action is in violation of " Fair Debt Collection Practices Act '' by attempting to collect a debt that has been discharged under the bankruptcy laws of the United States. Also, in violation of 15 U.S.C. 1692 and all applicable sections of Nevada Revised Statutes Chapters 116 and 649. 
The Collection company initiated a foreclosure proceeding on my house including a recorded " Notice of Foreclosure Sale '' with the XXXX County Recorder

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a savings account for XXXX XXXX XXXX , XXXX, in XXXX. The branch closed, but funds were transferred to another branch, never identified, at CitiBank with the same account number. The account balance was kept at just over {$500.00} to avoid maintenance fees. Additions and subtractions from the account were minimal. Then in XXXX I began to receive without explanation a threat to close the account if certain unidentified information was not supplied. What ensued were two trips to the XXXX XXXX branch, signing of paperwork, numerous telephone calls, and several letters, all responded to promptly. At the XXXX XXXX branch I was informed that my bank account was closed, but I was assured by the bank official that the account was re-opened when she telephoned on my behalf. My bank statement for XX/XX/XXXX-XX/XX/XXXXindicated a balance of {$530.00}. I received no bank statement for XXXX, however. On XX/XX/XXXX, I received another bank statement for XX/XX/XXXX-XX/XX/XXXX, indicating a balance of {$260.00} with no explanation of why funds had disappeared. On the same XX/XX/XXXX, I telephoned Citibank to inquire why I was receiving contradictory bank statements for XX/XX/XXXX. I was informed by the telephone representative that the account had been closed and that a check for {$530.00} had been mailed to me. Yet I never was informed of the closure of the account, and I received no such check. The telephone representative could not explain why I received two bank statements for the same amount for two different months. And no CitiBank representative has ever explained why I had to go through all this hassle in the first place.

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 2019-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
My daughter was transported from one hospital to the other by a helicopter.l provided by XXXX XXXX XXXX. The amont billed was fully paid by my insurance company. All of a sudden, they started sendind me and also harrasing me with phone calls thst they needed more money. I notified my insurance and was told that the account was fully psid and thst i owe them no money at all. Payment was made XX/XX/15 by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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