vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I ported my number from XXXX to XXXX XXXX and had a remaining balance. I contacted XXXX about my final bill and was informed that the final statement with all the cancellation notices would be ready by the next billing cycle at the end of XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX to inquire about my final statement and I was informed that it would be mailed to my new address. I waited the required 14 business days but never received the statement. Between XXXX and XXXX I called three times requesting the bill. During that time Diversified Consultants contacted me regarding the bill. I disputed the charge and informed them that XXXX has not sent me the final statement. Diversified Consultants was suppose to confirm the debt with XXXX. On XX/XX/XXXX I spoke with XXXX and the call transcript number is XXXX who stated that the bill was not sent and that she would process another bill sent to me. Also during that conversation I was informed that my account would not be referred to collections and that a message would be let in the notes to not process for collections. It has been over a month and the XXXX statement still has not come to my address for view. On XX/XX/XXXX I checked my credit report and observe a collection account was added from Diversified Consultants. I contacted XXXX at XXXX and spoke with XXXX # XXXX on a recorded line who confirmed that the a note was left to process another statement but could not confirm if it was sent. I asked that the statement be emailed to me but she refused and referred me to go to a XXXX store and obtain it. I then spoke with her about the collection on my credit report and she stated that the account was being handled by the XXXX back office team whom I was not able to speak with because they have no direct number. XXXX then confirmed that the account was closed via XXXX database but they would still take payment on the account. XXXX confirmed that the account was being handled for collection purposes only by Diversified Collections and that they were not authorized to post negative information on credit reports. XXXX also confirmed that XXXX was still the legal owner of the account and that the account status for the account with XXXX was closed. At XXXX pm I spoke with XXXX at Diversified Consultants who them transferred me to XXXX in compliance at XXXX pm on a recorded line. I explained the situation to XXXX surround the collections action and the XXXX. XXXX stated on a recorded line that the collections account with Diversified Consultants would be closed and that it would be returned to XXXX. She also stated that the collection account reported on my credit report would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been trying to find out more about the credit card collection account reported by Chase bank for about a year. My last dispute was submitted via XXXX on XX/XX/2018 asking to verify the debt since I have never done business with Chase bank before. The result always has come back as " accurately reported '' and I have no knowledge of this Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a letter from Transworld Systems , Inc dated XX/XX/XXXX in regards to a utility bill in the amount of {$430.00}. Back in XXXX of XXXX another Collection Agency company contacted me in regards to this same debt. At the time it was only on my XXXX  report. This debt is not mine, so I disputed it and it was deleted off of my XXXX  credit report and I have all of the proof. Transworld Systems , Inc. just put this on my credit report ( XXXX & XXXX ) without sending me any type of notice in the mail stating that I have 30 days to dispute the validity of the debt. I did start the dispute process and the letter I received from Transworld Systems , Inc. stated they received the dispute and how they have a relationship with the Credit Bureaus. That is violation number one, how can they just put something on my credit report without giving me a chance to respond because they didn't send me a notice. According to the Fair Credit Reporting Act the Credit Bureaus must verify all information that they get from banks, credit card companies, debt collection agencies, etc. The Credit Bureaus must have the, " ORIGINAL SIGNED CONTRACT. '' Under section 609 of the Fair Credit Reporting Act, the Credit Bureaus are suppose to have this contract to make sure it is valid/correct. Under federal Law, an UNVERIFIED account must be deleted. This is not my account, this company is not the original creditor. All these companies buy paper/screenshot. This is considered a charge off. these companies file a 1099 to the XXXX and this debt becomes taxed to me. You can not collect debt on taxed income. Again, this is not my account, this has been deleted from my XXXX  Credit Report and still is on my XXXX and XXXX Credit Report. I have started the dispute process with XXXX  and XXXX and mailed it out on XX/XX/XXXX certified mail with return receipt for both accounts. The estimated delivery date was XX/XX/XXXX. I mailed into the Credit Bureaus XXXX and XXXX my dispute letter, both of the letters from the last collection agency who had this account, the deletion letter from XXXX, the 1st and only letter mailed to me from Transworld Systems , Inc. a copy of my Driver 's License and Social Security card so that they know it is me. This company has already put something on my credit report without giving me 30 days to dispute the validity of the debt. I do not feel comfortable sending this company any of my personal information, because look how they already do business! I have sent everything to the two Credit Bureaus and that is why I have not loaded any documents to go to this unaccredited debt collection agency because I sent everything to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/XXXX  have recently reported myself & my husband as 30 days late for XX/XX/2017, on both of our credit profiles. This is ABSURD, as I have always made my payments on time and am showing a status as " current and up-to-date '' each month, on my credit profile from the date that they reported it until present. Please investigate. This is a fraudulent report!

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 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We originally started our Mortgage with XXXX  XXXX XXXX in XX/XX/XXXX. I paid them my mortgage and had no escrow account. XXXX  XXXX XXXX sold my mortgage to Nation Star in .XX/XX/XXXX We did a loan modification with Nation Star in XX/XX/XXXX. Upon doing this we were required to have a escrow account. At that time of modification I already paid our XX/XX/XXXX Taxes and insurance and Nation Star dismissed my complaints and required payment to escrow. As time went on The amount paid to escrow since XX/XX/XXXX was way over the amount of my taxes and insurance.I continued to complain and nothing resolved. Nation Star is now called Mr. Cooper. Mr. Cooper has also continued to over charge me in escrow. I am due a refund.at this time I am looking to refi to get away from Mr.Cooper .I believe I am being over charged monthly About {$100.00} each month. This has been going on since XX/XX/XXXX. Can you assist me.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I started a short sale process in XX/XX/2018 with Mr. Cooper. The process has been so long, my agent has submitted all requested documents and the bank has taken very long to work the file. we were told the file is only worked on every 5 days but at times it is way longer than that to get responses. The bank has always KNOWN of the FORECLOSURE SALE DATE and says they are working with us and will hold or postpone the sale date while we are working the file but they actually never do. On XX/XX/2018 they said the short sale has been approved as long as a counter offer of XXXX was submitted, the bank conveniently deleted that ONE MESSAGE but you can see attached the responses to that message and the message alert through my agents email that shows the date of the message being sent. The counter offer they needed to provide approval was sent and the approval never came. we called numerous times to have sale date of XX/XX/2018 postponed and they said they would but actually never did. It has been nothing but mortgage servicer abuse that has taken this long!!! All I want is to avoid foreclosure and I don't appreciate the games they are playing with my file. 5 moths with a file is just way too long when there are not many short sale files left to work with. Not answering messages or working the file on a timely manner is really time consuming for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get Equifax and XXXX to do the same, but no luck. Every time I try to dispute on Equifax I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX  on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, Equifax & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both Equifax and XXXX. Below is what was listed on the letters that were sent to me Equifax = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX  Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: OH

Complaint narrative:
OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX  for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get XXXX and Experian to do the same, but no luck. Every time I try to dispute on XXXX I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.

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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, XXXX XXXX TransUnion. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and XXXX. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

Transunion As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.

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