vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 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: FL

Complaint narrative:
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: FL

Complaint narrative:
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, XXXX  and Experian continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.

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 2018-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to XXXX  and Transunion on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of Transunion and XXXX  's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.

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 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates
State: SC

Complaint narrative:
In XX/XX/XXXX XXXX XXXX poorly installed a security system in the house I was renting without the owner permission. I never signed a contract so they copied and pasted a signiture from another document to a contract. I refused to pay for a non-working no contract system and removed all the hardware and returned all items to them on XX/XX/XXXX which they signed for on a Post Office Return Reciept. They sold the contract to XXXX XXXX XXXX in the beginning of XX/XX/XXXX and never told them there never was a contract. XXXX XXXX XXXX turned over collect ( even after I explained the problems with Prosper Security ) to a collection agency XXXX XXXX. I have provided all this information to XXXX XXXX and they contine to call and herass me. 
I have included a copy of the signed PO reciept and photos of all returned equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was currently applying for an unsecured credit card with Capital One Bank USA. Once approved for the card, some 3 of the same type of inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showed up on my credit report that I didnt do. Please check into this issue so it doesnt affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
From the beginning of my mortgage I have been paying my escrow directly, taxes and home owners insurance I have everything paid up today. Capital one sent me a letter about boring insurance for me ( very expensive ) I sent them a letter with proof of insurance bay fax and by mail. I thought the mistake was fixed, however when I try to make my mortgage payment in XX/XX/XXXX, I see that they have not fixed the problem and instead of charging me {$700.00} they charge me {$1200.00} ( includes escrow )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: HI

Complaint narrative:
Fay Servicing forced me to obtain hurricane insurance so I ended up back in XX/XX/XXXX. They threatened me with obtaining expensive outside insurance. I cancelled my existing with XXXX XXXX via XXXX XXXX XXXX in XXXX XXXX, Hawaii. 

I signed a policy cancellation in XX/XX/XXXX the company sent a refund of {$920.00} and sent it to XXXX XXXX XX/XX/XXXX. 

I never once received a new policy from Fay Servicing or showing where that refund went and the amount of the policy. I have called numerous times with no success and believe they are crooks and refuse to show me where all the money went. I got a refund from them of {$260.00} because I sold my house in Hawaii which closed on XX/XX/XXXX and I plan to call tomorrow again but do not believe there will be much success. At XXXX years old I have never dealt with such a horrible mortgage company. 

I want a detailed schedule of where all my money went monthly of {$440.00} plus the {$920.00} that I sent them in XX/XX/XXXX. 

I believe that Fay Servicing owes me more money so hopefully you can contact them and get them to give me a detailed listing of where all my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
KOHLS/XXXX Account XXXX I have already asked for the past 4 years for proof that this bill was mine, I contacted Kohls in writing requesting the same information and still no one has sent me any documents with a credit app with my signature a copy of my licence or any document showing me that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: TN

Complaint narrative:
A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to Equifax and XXXX on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of XXXX and Equifax 's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: NJ

Complaint narrative:
Back on XX/XX/XXXX I received a text alert on my phone from Discover credit card about a {$710.00} purchase that occurred at XXXX XXXX XXXX XXXX in New York. Immediately, I knew there was something wrong because I was at XXXX and the last time I had used this card occurred three days earlier. 

I contacted Discover about the fraudulent charge and I informed the representative that this was a purchase I did not authorize at all. Discover informed me I would not be held liable under any circumstances whatsoever. 

Well, weeks passed by and I noticed that I kept getting more mail from Discover than I should have expected about more information needed on my part about a fraudulent charge. Well, I looked at my Discover statement online on XX/XX/XXXX and it turned out that I would be liable for the {$710.00} due to the card being used at XXXX XXXX XXXX XXXX and that it was in the vicinity of my residence. When I inquired about this situation to the Discover representative, that person cocked an attitude and accused me of " avoiding his phone calls. '' I never was in XXXX 's on XX/XX/XXXX at the time of the purchase and I never had the card on that day. I had already disputed this transaction and I do not feel happy about this situation. What I thought was a one-off incident that should have been rectified in one day has been an ongoing struggle, and now Discover is refusing to re-investigate under any circumstances. 

Please, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
for some reason I have 18 to 20 unknown inquiry 's on XXXX, Equifax. and XXXX  credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
for some reason I have 18 to 20 unknown inquiry 's on XXXX, XXXX. and Experian credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..

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 2018-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2017,, Bank Of America sent me a special promotion to open a saving account and deposit for {$20000.00} to receive {$200.00} opening bonus before XX/XX/XXXX, I opened one on XX/XX/XXXX and deposited {$20000.00}. It says I will receive the {$200.00} within 3 months. However, I still not get it within 3 months. Then I called Bank Of America for more than 4 times, after verifying my information, they just told they will sent the bonus for me in few days. However, I never get the bonus they promised.

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 2018-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with  my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for 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 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB is a collection agency for XXXX XXXX XXXX XXXX. This was filed on bankruptcy and yet it is still on my credit report. They have copies of my discharge date but still are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile 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 2018-06-02 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: NV

Complaint narrative:
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX XXXX  since XX/XX/2015. This debt XXXX XXXX was opened in a different state. XXXX. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report 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 2018-06-02 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I've been trying for almost 4 years to make XXXX  remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX  AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX  AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.

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 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
on XX/XX/2018 XXXX XXXX  remove account XXXX for my Credit report .in less then a month later Cavalary Portfolio Serv , place back the same Account IDisputed with XXXX for Fraud, back on my Credit report. In which was remove by XXXX XXXX after I disputed FRAUD on my account, I also told Cavalary Portfolio Serv which failed to take the necessary action against this account .they have failed to investigate and check my Credit report that there is a Fraud alert on my reort for my Protaction as a customer. this account was open by fraud. I dont know why this company in less than a month place this back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: OH

Complaint narrative:
I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: OH

Complaint narrative:
I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile 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