vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: PA

Complaint narrative:
I've been paying off a loan with ( SST ) Systems Services Tech Inc ( this company took over XXXX XXXX XXXX XX/XX/2019 ( had a temp hardship XX/XX/2019 i called the company and they gave me an extension for a month to get back on track which I did ( I had to pay some sort of re-adjustment fee to do this and I payed this fee i was back on track {$120.00} each month but then i started to get treating letters to pay the account in full all at once I called their customer service and they had no record of the adjusted fee i payed ( but then they found it when i asked to speak to a manger then they asked for a second fee because they said that my account needed to be brought back up to date because of the last information not bein in the system i paid another fee after two or three months of paying every month on time through my XXXX Bill Pay i started to receive threating phone call from this company several times a day my home phone and cell phone I finally called them and requested that phone calls stop or i would be filing a complaint against the company they requested a late fee I refused and told them that I will continue to pay my bill each month as I was doing through my bank until this loan was paid off Now I'm getting the demand payments in full letters each month and they have been reporting my account to all three credit bureaus and late and not paid this is not true and it's not fair times are very difficult but i pay all my bills every month through my bank this can be checked i did speak to someone at the company but they have just blown me off how could this company do this this is not justified at all so i looked into this company with the XXXX and found that i was not the only consumer that they have ripped off and treated unfair, who regulates these take over companies when another goes out of business ( XXXX was a company that help military families when they may be going through a little hardship, that's how i got involved with this, but now the takeover company SST is rea ; ; y taking advantage of this situation ( What can CFPB do to help? Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I filed a complaint with CFPB in reference to a tradeline on Equifax which was reporting on my file multiple times ( 4X ) with XXXX XXXX XXXX Account number XXXX. Equifax responded to my complaint on XX/XX/2020. According to my Equifax report this tradeline was deleted from my equifax report as of XX/XX/2020 as you can see from my equifax credit report attached to this file and my XXXX XXXX report on XX/XX/2020 and my XXXX XXXX report on XX/XX/2020. As of XX/XX/2020 Equifax reinstated this tradeline without sending me a 5 day notification. This is clearly a violation of FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: OH

Complaint narrative:
I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, 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 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from " The Law Offices of Mitchell D Bluhm & Associates,, LLC Attorneys at Law '' based out of XXXX, Texas requesting I pay a past debt dating back to XX/XX/XXXX. They informed they were debt collectors when I called and that they were seeking {$3900.00} for medical services rendered at XXXX XXXX XXXX XXXX. Upon further research, the medical facilities seem to reside in Illinois, and I currently reside in the state of Colorado. I have not been a doctor in the past 4 years, let alone one within the the state of Illinois. I informed them that it was not me to which they requested I file a police report. In order, I reached out to the XXXX Police Department in Colorado who then directed me to The XXXX Police Department. They then transferred me to the District Attorneys office who explained that I needed to reach out to the FTC and file a report through them. Finally I was directed to the CFPB where I am now trying to figure this out. My father is Head of Investigations for the XXXX County Sheriffs Department and said he will help me file a legit report if I keep getting redirected so I hope this helps. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
In XX/XX/2020, I received a letter confirming that I do not have any property taxes due to me being a 100 % XXXX veteran, total and permanent. I submitted this documentation through email and I uploaded it to their online portal. I received a reply from Quicken Loans saying that my email address is not attached to my mortgage, which isnt true whatsoever. They in fact harass me almost daily through my email, to the point where I had to tell them if they didnt stop harassing me, I would be retaining legal counsel. They are liars and have no moral compass. 

After I inquired again his email, I was told that they will not provide any information to me. I had to send yet another email, and received the same thing. I sent another one, and finally I was told that it would take 3-5 business days to have my property taxes removed from my payment. They also said that I would receive a refund that I demanded within the same time frame. The refund I am referring to is what I paid for property taxes which is in escrow. This was on XX/XX/XXXX. 

It is now XX/XX/XXXX, and after repeated emails and phone calls, I have been left with no answers whatsoever. They hung up on me three times, have transferee me to different people, and I have spent hours upon hours trying to get my payment corrected and my money refunded. 

If this isnt resolved by XXXX, XX/XX/XXXX, I am retaining council and we will go through the court system. Obviously these people at Quicken Loans/Rocket Mortgage choose not to make this right. I am urging anyone and everyone I see to NOT get a mortgage through Rocket/Quicken. They have been unprofessional from the very beginning, rude, and incredibly unpleasant to work with. In fact, the only reason why I closed the loan was because I was so far into it that it would have been a mess to start with another company. I should have gone with another company.

I need my payment adjusted, my refund sent to me, and Quicken Loans/Rocket Mortgage needs to report my account and all of my payments, which have been on time, to the three credit reporting agencies. This has been a nightmare. My lawyer knows about this and is ready to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020, I went to TransUnion 's official website to get a free credit check. I entered my debit card info as I thought this was a standard part of the credit check, and with no warning received TWO charges from TransUnion for {$24.00}, as part of a monthly subscription service. There was no subtotal, total, cart, listing or any other such indication presented to me letting me know I would be charged, and it was heavily implied throughout the process that the credit check I was receiving was free.

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 monetary relief
Consumer complaint received 2021-01-02 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: UPGRADE, INC.
State: DE

Complaint narrative:
This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX reports incorrect info has been deleted by XXXX XXXX and XXXX but not exquifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 I received a phone call from Credence Resource Management inquiring about an XXXX XXXX XXXX debt owed in the state of Texas. Given the fact that I do not have nor have I ever had any connections whatsoever with anyone or anything in the state of Texas nor any dealings with XXXX XXXX XXXX, I informed Credence Resource Management accordingly. As of XX/XX/2020, Credence Resource Management is reporting this debt and its associated address as owned by me on my XXXX and XXXX XXXX credit reports. As of the date of this filing, I have not received any correspondence from Credence Resource Management informing me of this alleged debt or of my right to dispute it under the FDCPA. On XX/XX/2020 I disputed the address listed in Texas with XXXX, as a response I was informed my dispute had been verified by Credence Resource Management as valid. Likewise, on the same date, I disputed the alleged debt with Credence Resource Management directly to which I have not yet received a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I'm not sure about the exact dates, but I believe this issue transpired sometime between XXXX and XX/XX/2020. My child had created a face id on my iphone without my knowledge and then downloaded a game where she then proceeded to make roughly $ XXXX of purchases spread out through several of my credit cards that were stored in my wallet, including {$2000.00} on my Apple Card from Goldman Sachs . When I discovered the issue I immediately contacted all of my credit card companies and after their investigations they determined that the charges were fraudulent and refunded the money. Goldman Sachs however did not agree that the charges were fraudulent. So, I went to my bank and they found that the charges were fraudulent and refunded the money. After this, Goldman Sachs closed my account and charged me for the charges. I have been making payments to avoid credit issues, however, I never authorized these charges and I shouldn't be paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: AL

Complaint narrative:
XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX/XXXX  {$960.00} FRAUD REMOVE XXXX XXXX {$1000.00} FRAUD REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have discussed these accounts several times and still have not received any answers, this has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: DE

Complaint narrative:
This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: OH

Complaint narrative:
I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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:
I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX  # XXXX, 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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Name is XXXX XXXX and my mom XXXX XXXX XXXX XXXX and I had two joint accounts : checking ( act # last 4 - XXXX ; and XXXX XXXX  ( act # last 4 - XXXX ). 

She was diagnosed with a XXXX XXXX XX/XX/XXXX and I arrived at her home from Wisconsin on XX/XX/XXXX and took care of her at home until her death XX/XX/XXXX. 

Shortly after my mom passed, I called the Bank of America to notify them of her passing and asked these two accounts be closed. They told me a form would be mailed and to complete it and send it in and the two accounts would be closed. I arrived back home in WI on XX/XX/XXXX and did not receive the form in the mail until mid to late XXXX. I completed it, enclosed a copy of her death certificate and sent it to them and never heard anything back from them. 

Around the time my mom died, I noticed on the monthly bank statements the bank started charging a new {$25.00} fee each month for the checking account which had never been charged before. I called them and the person I spoke with said it was a new fee and I asked what it was for and he said it was a new fee and he didnt know what it was for. I asked for the fee to be waived since it was new and given the circumstances of my mom passing and me wanting to close the two accounts. He talked to someone else while I was on hold and came back on the line and said fee could not be waived. 

My brother recently mailed me a check and also enclosed two of their bank statements they mailed to my moms address with the last statement ending XX/XX/XXXX. I received his envelope today from my brother. The bank has not mailed any statements to my home address which they have on file. 

The bank has continued to charge the checking account {$25.00} a month and nothing indicates these accounts have been closed despite mailing the required completed form and death certificate to them over 2 months ago. The checking account shows a NEGATIVE balance of {$48.00} as of XX/XX/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 monetary relief
Consumer complaint received 2021-01-02 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I tried to pay my Chase credit card with a new Chase business bank account. The system would not let me. I then called to do it on the phone and Chase told me they could not use the Chase business account. I then tried to setup a bill pay from the new Chase business account and I received a message the system was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: AL

Complaint narrative:
XXXX XXXX XXXX {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX  {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: AL

Complaint narrative:
XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 
SPECIALIZED LOAN SERVI XXXX Date opened XX/XX/2006 2006

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
My Mother stopped service with XXXX XXXX XXXX because of horrible support. She switched carriers. But XXXX XXXX XXXX turned account over to collection. And even turned another account in my name to same collection. 

I mailed Credence Resource Management on XX/XX/2020. And disputed the debt. And I requested on statement that all collection activity be halted for at least thirty calendar days. The certified letter was received on XX/XX/2020. 

However, Credence sent me letter post dated XX/XX/2020. In violation of Fair Credit Collectors Practices Act.

Company response to consumer: Closed with non-monetary relief