vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
In XXXX I my credit was impacted by a company called XXXX XXXX. They claimed I owed them XXXX. I have never done business with this company and I have not borrowed from them. I contacted them and asked for any contracts or supporting evidence. They had no contract and removed the item from my credit. Two months ago a new company : SECOND ROUND LP at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX or ( XXXX ) XXXX, began reporting this fraudulent debt as a new collection. This has seriously impacted my ability to do personal business. On XX/XX/XXXX, I asked them for documentation in an effort to discover the nature of the fraud. They could/would not corroborate the debt with documentation. The company has chosen to ignore me and continue to report this account as a collection each month. Today XX/XX/XXXX, experian notified me this company has again impacted my credit by reporting this account collection. Upon researching them on the XXXX site I found multiple serious complaints of impropriety and credit bullying. Please aid me in this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-19 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-19 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed  consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I used an Equifax report on their website to see my credit score in XX/XX/2019. 

Apparently, they continued charging my credit card on a monthly basis which I discovered in XX/XX/2019. 

Unlike many other providers of subscription services ( e.g. : Utilities, wireless operators, banks, etc ), Equifax deceptively does not provide any monthly billing statements or any other communications showing a customer that they are being recurrently charged, which is clearly aimed at misleading and deceiving customers so Equifax continues billing them for services they do not use or need for as long as possible, and then stonewalls when consumers ask for a refund. This is a bizarre practice for a leading CRA that clearly requires a regulatory action against the company, and might prompt a class action lawsuit. 

I called the company to cancel the service in XX/XX/2019 and explained that I did not use it since XXXX ( which they can easily verify because they log the transactions ). However, they refused to refund XXXX-XXXX charges. 

They transferred my call about 4-5 times for about an hour to random individuals for no apparent reason. When I called again and asked to speak with the supervisor, they hung up on me. When I called again, they connected me to somebody who introduced himself as XXXX, a supervisor, who claimed that they do not have a refund policy ( which is hard to believe for the company of their size ), acted highly unprofessionally, and subsequently refused to connect me to his manager, claiming that the manager was not in the office ( hard to believe that nobody is managing their call center, particularly given that I called during regular business hours in XXXX where they are headquartered ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX SER 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 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I would receive constant letters from midland credit management saying they were going to sue me in court for a debt that was claimed to be under my name. I began payments to them and was sent a document saying " Due to the age of the debt, we will not sue you or report to the credit agencies ''. They scared me into paying this debt that was not mine by saying they would sue, and after payment said they could not because its old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I bought a prepaid Visa Gift Debit Card, Issueing bank : US National Bank Association. I ordered an item from XXXX, then cancelef it reight agterwsrd ( it was the wrong part # ) The cancellation was confirmed & part never shipped. The XXXX order # was XXXX ordered XXXX. Cancelled & confirmation of cancellation via phone call with customer service. Email confirmation also received XXXX. The cost of the item was {$5.00}. It was deducted from my Visa card on XXXX with a detail note stating " 10 day PreAuthorization Hold ''. 
The cancellation # was XXXX formally issued thru Vendor on XX/XX/10. The pre-authorization amount was never credited back to my card account. 10 days later, I have spoken to the bank card issuer several times. They claim XXXX is responsible for the " hold '' of my funds & I must solve the issue with them. XXXX claims the bank is responsible for deprivation of my funds. I have also talked to them several times. Earlier this evening an XXXX Customer Service Rep said that if I give the bank this Transaction ID # XXXX, that the bank will release the holding of my funds. That did not happen. The bank says there is nothing they can do to release my access to my funds! This has been a very difficult & unfair situation for me, the consumer! No where in the bank card info does it state a preauthorization hold on funds will take place, except in the case of a resteraunt tip, or for gas purchase. I feel this is a fraudulant charge to my account which there should be no reason to " borrow '' my funds! This should be illegal. It is certainly a misrepresentation of the debit card issuer to deny me the use of my purchased funds! Or is it the Vendor, XXXX " borrowing '' my money? Neither party will take responsibility. They accuse each other. I can not get anywhere with either party. Meanwhile, my funds are missing & no one is resolving it. Fraud!!! Consumer has no other options!

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 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi CFPB, I signed up for an account with US Bank where I would receive {$300.00} after having two or more deposits totaling {$2000.00} or more in the first sixty days of account opening. I have fulfilled this requirement but have yet to receive my {$300.00}, and US Bank is not holding up to its end of the promise and honoring the promotion. Could you please look into this for me? I do not feel like this is how a bank should treat a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
When B of A sent me a notice last fall that my mortgage payment would be increasing over $ XXXX/month I called the to find out why. What ensued was 9 months of purgatory trying to resolve it. Dozens of phone conversations lead nowhere so I wrote a lengthy letter, enclosed copies of many months of statements, and a spread sheet detailing what I was billed, what I paid, etc. RESPA regulations state that B of A has 5 days to respond acknowledging receipt of my complaint and 30 days to come up with a resolution. I never received acknowledgment of the packet I sent, and of course, there was no following letter with a resolution. 

This angered me so I complained on your website as well as 3 other government financial websites. My complaint through you resulted in it being forwarded to B of A 's Regulatory Complaint Servicing department to a Mr. XXXX XXXX. He contacted me and promised to research and come up with some resolution. His resolution ended up being to close the file doing nothing and telling me I was wrong and B of A was right. One of the things I asked for was restoration of credit scores that were damaged with B of A 's incorrectly reporting late payments and missed payments He did that research before even finding out what was wrong and making corrections. So, of course, the result in B of A 's eyes is they are correct. 

The problem was an escrow issue. After Mr. XXXX closed the complaint file, I called Escrow again, and was fortunate enough to connect with a highly professional, experienced and knowledgeable rep there who, after my spending some time convincing her there was indeed a problem there, she took one more look and agreed with me. She turned the account over to her manager, who made the corrections that night, reversed late fees, and within what seemed like just a day 's time my escrow analysis was corrected and my monthly payment dropped by $ XXXX/month from what the originally demanded. 

My complaints are 2-fold. There has been a RESPA violation by B of A never responding in any way to my original complaint. 

Mr. XXXX XXXX, who was charged with finding a resolution, phoned it in. In other words, was negligent. 

I told gave Mr. XXXX a list of resolutions I wanted. All that is left is an apology in a letter that is not computer generated and that is hand signed and snail mailed to 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 non-monetary relief
Consumer complaint received 2019-06-19 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: NE

Complaint narrative:
I have reached out to see if they could correct an error on my credit report. the staus on th report reads " Payment after charge off/collection Settled - less than full balance " it should read " Paid As Agreed '' Account XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I took classes at university of XXXX and all classes were paid by student loans or grants. I have pictures from their web site saying all classes taken were paid also showing a XXXX balance on the payment screen! Yet they are reporting to experian that I owe them {$4700.00} written off. {$4700.00} past due as of XXXX. This is not correct! I even withdrew before the withdraw date so as to not owe them money! How can their website say one thing and then report another and they get their money directly!

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 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Ive been a XXXX  for 13 years now and Ive applied numerous times for forgiveness programs to get some type of relief for my loans and nothing has ever worked

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MT

Complaint narrative:
Received a letter in the mail because our loan was sold for the 2nd time ( 3 mortgage lenders so far ) 13 days before payment is due. We are only into our 4th month of being homeowners. 

But I have yet to receive info on how to pay my mortgage payment via this nee company and I can not access my account threw them because it doesn't exist yet. 

Old mortgage lender was Rushmore new is XXXX. 

New lender starts XX/XX/2019, today is XX/XX/XXXX. 

Still no information on the lender or how to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX  XXXX  ( Original Creditor : 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 2019-06-19 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: PA

Complaint narrative:
It became impossible to get help from fraud. I am XXXX years old, not fluent in English and bad businesses take an advantage of me all the time. Now Experian began to help bad credit card businesses to retaliate me for my requests for investigation and helping them to continue to XXXX my life and steal from me and helping yourself to become a bad business too. Experian is sitting on my back and constantly asking to get paid services from them and I did not chose their paid services that they constantly email me, bossier me and trying to keep me under pressure. Experian began falsely extend accounts that they refused to investigate appropriately for unauthorized charges and pure fraud and theft by XXXX XXXX in the past and keep extending those false debts year after year by refreshing them that it will have no end and will keep my credit history below fair score. The outrageous power abuse was forced by credit cards and expanded by Experian violent power abuse.

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