vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: NC

Complaint narrative:
I sent an investigation request to Trans Union on XX/XX/XXXX. They were supposed to send me the results within 30 days, but they have not. I have even sent Trans Union a follow-up letter, which has also been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Fifth Third Bank is reporting incorrect information on my credit report to XXXX and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CO

Complaint narrative:
TransUnion is reporting my account with XXXX XXXX XXXX as 30 days past due even though they show the account has a {$0.00} balance and {$0.00} past due. This is hurting my credit score. I have submitted my own investigation but they did noting to correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-14 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: GA

Complaint narrative:
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
On XX/XX/XXXX received a phone call from a SC number. I spoke with a black male who asked who I was. I stated may i ask who is speaking. He stated i assume this is **** ( Myself ). Asked me to verify the last 4 of my SS and Date of birth. He did advise this is an " admit to collect a date ". I advised about a loan dated back to XX/XX/XXXX for a payday loan. I advised that i was currently working and paying this loan with someone else. They then advised me that i was being scammed by the company that i am paying and that they have the loan in their office now as of XX/XX/XXXX. I have not received any documentation from this company. Today, i received notification that from my credit monitoring that they have added this loan onto my credit dated back from XX/XX/XXXX. I am in the process of paying this loan every month from a company that worked out an agreement to clear this up. and also disputed this with a XXXX credit bureau.It has not been placed on my other major credit bureaus. I am the process of sending a debt validation letter as well. But i never received documentation that this loan was sold. And per the people i am paying they have not sold this loan to anyone else. And also this loan is pasted statue of limitations, and also i advised that to the rep who i spoke with today as well. He stated that well that is true but since we placed the loan in our office that we can place it on your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Financial Services
State: FL

Complaint narrative:
Consumer Financial Svc in XXXX Florida is reporting wrong information in my XXXX  report my car loan was discharged in a chapter XXXX and they are reporting late and balance of {$5000.00} I tried to contact them but I get no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. 

I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Have been trying for over a month to purchase a home I already have a contract on. Experian is reporting 4 accounts currently late when they are paid in full. It has been disputed directly with them and they are not correcting. XXXX  and XXXX have it correct. It makes sense that if an account has been paid in full, and they are reporting that, that the account can not be currently past due. 3 of them were never even late, they were sold to other creditors. The in-correct accounts are as follows on their report : XXXX XXXX. Account no XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 90 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX XXXX ( Student loan that was sold ), Account no. XXXX, shows XXXX balance and 120 days late now ( Was never late ). 

I am getting ready to loose my new home and would appreciate any help you can give. Experian will not correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I

returned a bunch of items to XXXX  for a refund and I did not get a refund so I went ahead and disputed them from XXXX  and I lost the dispute as XXXX  provided docs. saying the items were delivered. Now of course these items were delivered as I received them but the issue here is I returned them and got no refund. Below are the items and tracking numbers. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Each XXXX XXXX XXXX is {$290.00} ( $ XXXXx4= {$1100.00} ) XXXX XXXX is {$440.00} Total Owed to me : {$1600.00} Transaction took place XX/XX/XXXX The one for the computer might've been a bit earlier. 

Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX The above are XXXX reference numbers associated with this showing I requested a return also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XX/XX/2019 A debt collector/ Lawyer 's office started to call my place of employment months ago but more so in one week recently. The unidentified caller demanded payment and my personal financial information that very minute or else I will be sued as threatened in the past. I kindly asked for the calls to stop as I have before. That same week the same nameless person ( who refused to give me a name ) once again threatened of a lawsuit and stated I would be embarrassed at work for wage garnishments. Last call was a woman laughing and stating I will be in court and hung up .My place of employment has caller ID and all revealed the name of the same company and phone number. Clearly, this company does not honor the FDCPA rights. In addition, the main lawyer of this company has been in and out of practice due to violations of the California state bar. Now my lawyer needs to take action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: PA

Complaint narrative:
I submitted a complaint to the CFPB ( complaint number XXXX ) on XX/XX/XXXXbecause TransUnion failed to respond to my dispute letter I sent them on XX/XX/XXXX. Yesterday, XX/XX/XXXX they respond to the complaint and said that they received the letter on XX/XX/XXXX and started an investigation into the disputed items and contacted the source to advise them of my dispute. On the response, they said that they completed the investigation and the disputed information was verified or updated accordingly, and on XX/XX/XXXXthe results were forwarded to my current mailing address on file but they were returned to them via the USPS. ( I attached a copy of the complaint response ) So, they said that they did received the dispute letter, they did investigate my disputed items but they send the results to a wrong address. TODAY, I received a letter from TransUnion ( I attached a copy of the letter as well ) saying that " they were unable to process my request ( the dispute letter they received XX/XX/XXXX ) because they were unable to determine the nature of my request or my request was illegible. SO, that means TransUnion lied to the CFPB because they responded on the complaint that they did complete the investigation and forward the results to a wrong address. Now they are telling me they didn't investigate. This is illegal and it has to be corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: KY

Complaint narrative:
On XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have submitted disputes and 609 letters regarding investigation into XXXX XXXX XXXX about an account. I still have not received any information from TRANSUNION regarding debt verification from the company. I have also requested several times information directly from the company with no response other than late or missed payments. I refused to keep sending money for an unverified debt or contract. Transunion has continued to ignore my investigation and provided no documentation from the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am trying to cancel my escrow account with my mortgage loan servicer OCWEN. All payments have remained current during the past 12 months. The underlying mortgage does not have a negative escrow balance or other outstanding delinquencies. There is not tax or insurance payment due within the next 45 days. There is no forced-placed insurance policy on the account and the underlying mortgage has not been modified within the last 12 months to include an escrow account. 

OCWEN is citing IL State Law 765 ILCS 910/5 ( Section five, paragraph 4905, Chapter 17 ). They state that this law requires that homeowners in the state of Illinois are required to maintain an escrow account until the LTV has been reduced to 65 % or lower. This law has no provisions on requirements of escrow accounts, in fact this law only states once a mortgage is reduced to 65 % of it's original balance the Mortgage Lender must notify borrower that their escrow account may be terminated or may elect to continue until a termination request is received or mortgage is paid in full, which ever occurs first. 

For your reference, this information was obtained from the following website : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX I have not been told that an escrow accounts is required according to an investor requirement or federal law/rule. They keep citing this IL state law that says they are allowed to hold my escrow dollar hostage until the LTV reaches 65 % LTV. I  would like for the CFPB to research this issue with OCWEN servicing to ensure they are interpreting this IL statue incorrectly and holding onto escrow monies longer than are allowed under federal/state rules or laws. If this is happening on my account there can be thousands of others in the state of IL where their escrow dollars are being held hostage by OCWEN and that is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
THE XXXX XXXX XXXX WAS RETURNED TO THE DEALERSHIP! My name is XXXX XXXX and on XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used minivan XXXX XXXX XXXX with XXXX miles with XXXX and XXXX. I believe they are the owner. From the start, there was an issue with the entire process. The same dealership got 2 different loans on my credit report for the same vehicle ( one with XXXX XXXX XXXX, and this one with Credit Acceptance ) - one for {$7500.00} and the other of $ XXXX. I took the delivery of the vehicle on XX/XX/XXXX and Returned the vehicle back to them on XX/XX/XXXX around XXXX XXXX. When I asked there were 2 loans for the same vehicle on my credit report, they said that it was their mistake and they will handle it. The vehicle had a major mechanic issue, and it was fully returned before 30 days, and it doesn't pass any emission test. I attempted to return the vehicle earlier, but he kept giving me so many excuses for the reasons that he wasn't going to be there. I have never dealt with this before, and today I'm looking at my credit report and noticed that there are 2 loans of the different amount shown, which was fraudulently submitted by that dealership and its owners. Please be advice again that i don't have the vehicle in my possession and it was returned to the dealership. I've already called the dealership and the bank but no one seems to want to help. Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a XXXX gift card for my birthday XX/XX/XXXX. I tried to use the card Monday XX/XX/XXXX. The card had the pin number that needed to be scratched off. The card was not used by me previously, as the number was not scratched until Monday. The clerk advised me that the card had a XXXX   balance. The card was worth {$50.00}. I explained I never used the card. The clerk suggested I contact the toll free number noted on the Gift Card. I contacted them, and the person I spoke with stated there was a XXXX  balance and the card was used in the XXXX XXXX XXXX California store. I typically order my items on line which I explained to her. She investigated and found the card was used XX/XX/XXXX in the store for cosmetics I do not use. I am not sure how the card could have been used without the pin number which as I stated above was not scratched prior to 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 explanation