vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: IL

Complaint narrative:
I recently disputed the unknown/unauthorized credit inquiries, that are listed in the attached documents below, on my credit report and was advised that the information is correct and to contact each individual creditor for assistance. I should n't have to take the time to update each individual creditor when I should be able to dispute and get this handled through the credit reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 recently requested my credit reports and discovered a {$720.00} collection account ( account #   XXXX   ) being reported by   XXXX   XXXX   XXXX   in   XXXX   2017 for   XXXX   XXXX  . I was not properly notified of this debt, and therefore, was not able to request proper validation for this debt as it is past 30 days. As they are in violation of the FDCPA, specifically ( 15 USC 1692g Sec. 809 ( b ) ), I disputed this collection account with all  XXXX  credit reporting agencies to have it removed. This account came back as validated, and I believe this debt was illegally reported.

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 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

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 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To whom it may concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$570.00} and last delinquency reported  XX/XX/XXXX , yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX  and the other on  XX/XX/XXXX . By not replying in a timely manner to my initial letter you signed for on  XX/XX/XXXX , you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I already complaint about previously Experian assigned a special representative   XXXX   XXXX   XXXX    XXXX  most of the time he 's not available, since I have complained to the CFPB they became even more difficult, today as a revenge, they stop 'd talking to me over the phone, telling me I have different rules then everybody else, and I an only write in for any requests, discriminating against me.

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 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
ON   XX/XX/15    XXXX   XXXX   XXXX   CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the bANK OF AMERICA ACCOUNT AND I DID PAY OFF A TOTAL OF  XXXX  AND NOW BANK OF AMERICA IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING   XXXX   XXXX   AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I am in process of refinancing my mortgage with a new lender ( XXXX XXXX ). In the process of doing so my mortgage servicer ( hsbc ) had been changed to a new servicer ( XXXX XXXX ). When XXXX  requested my payoff amount from XXXX the amount was over 277,000. My credit report and monthly statement has it listed as XXXX When I called XXXX and have they both could not tell me when I incurred the roughly 25,000 extra. XXXX says they no longer have info and XXXX has it. My problem is I need to know when this extra money was incurred, why and whom approved it ( do they have a signed agreement? ). Please help me get an answer as to why the extra monies are owed and under what proof do they have that I owe it. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau put a collection on my credit without sending me any notice. They did not send a 30 day right to dispute notice. The debt was already settled with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: LA

Complaint narrative:
I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: LA

Complaint narrative:
I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

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 2017-07-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On   XX/XX/XXXX ,  I contacted the  XXXX  credit reporting agencies,  XXXX , Transunion, and  XXXX  to ask to remove only the dispute for  XXXX  acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once   XXXX   did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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 2017-07-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ;   XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  -  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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 2017-07-17 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: VA

Complaint narrative:
This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA    XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: NC

Complaint narrative:
I am attaching a letter I sent a letter to Equifax and   XXXX   XXXX   back on   XXXX   XXXX  , requesting that they investigate error on my credit report. I have not received a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.

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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a long story that started with a Ch.  XXXX  BK in  XX/XX/XXXX . BK ended in   XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of r eal estate market with  XXXX . The mortgage moved to  XXXX , then to   XXXX   XXXX   XXXX  , then to  XXXX  and now with Shellpoint. the   XXXX   later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When   XXXX   transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $  12K  to  $ 25K  in unpaid mortgages they couldnt quite get their numbers straight in  XX/XX/XXXX , they started cashing my checks electronically fr om  XX/XX/XXXX  whi ch somehow, I never got credit for, so when Shellpoint took over in   XX/XX/XXXX , t hey claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owE over {$7000.00} since   XX/XX/XXXX  ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XX/XX/XXXX  due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it.. Every check I pay with I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink.
I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal.
During   XX/XX/XXXX   i did n't even get a  XXXX  Tax form credit of mortgage interest payments to use against my taxes ...

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