vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: NY

Complaint narrative:
Hello This complaint is against the credit reporting company Equifax. This is a complaint that Equifax lied and said they verified two accounts on my credit report using XXXX when they have not done so. That is a violation of my rights as a consumer. They have not notified XXXX or contacted them because 1. My XXXX XXXX account has a freeze on it and no one can access it and 2. I called XXXX and asked them did any company access any information from my account and they replied no one has contacted them about my account this year. 

Equifax have responded to my complaints through CFPB stating that it is verified on XX/XX/2019 but that is a lie because I called XXXX and the said no one has attempted to access my account to check anything. The time for lying is over and treating consumers this way is not acceptable. Please fix this or send to the agency that will. Thank you. 

Equifax sent a response today XXXX to CFPB saying that they will investigate company reporting info to them. This is another lie thats being told. They have not done the investigation three months ago when I first ask them to verify the two accounts and lied saying it is verified with no proof or documentation to validate it. And to top it off XXXX told me that no one has not contacted them to review my account this year so Equifax is a lie because they stated in the letter that they use XXXX to verify the two accounts. They are violating my consumers rights with this lie by not doing their job. 

PS. Sending Equifax this complaint will do no good because they will lie to you by saying it is verified. I want action and a resolution not more lies. CFPB needs to get involved with this not Equifax [ Previous complaint ... ... ..I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Equifax with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told Equifax that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have three different accounts showing on my Equifax report that has no owners name, the accounts just shows ( original creditor ). 

On XX/XX/2019 I sent a certified investigation letter to Equifax which was delivered on XX/XX/2019 ( Tracking # XXXX XXXX. XX/XX/2019 Equifax sent an updated report on the accounts included on the investigation letter that did not include the three ( original creditor ) accounts. 
XX/XX/2019 I ran a new credit report and the 3 ( original creditor ) accounts was still showing on my report. I then sent a certified discrepancy letter to Equifax on XX/XX/2019 which was delivered on XX/XX/2019 ( Tracing # XXXX XXXX. XX/XX/2019 and XX/XX/2019 Equifax sent a detailed credit report of the accounts that was on the discrepancy letter, and once again the 3 ( original creditor ) accounts was not on the report. 

XX/XX/2019 I ran another Credit Report from Identity IQ and the 3 ( original creditor ) accounts are still showing on my credit report as a collection/charge off, with a consumer disputes this account info, medical, subject has not satisfied debt. 

I have attached all the certified letters and results from Equifax where they never verified the debt and/or removed them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a notification a derogatory account was reported on my XXXX consumer file. I contacted the company to inquire about this account due to the fact the account in question was disputed through credit bureau bureau from XXXX to XXXX. Orion was unable to resolve. 

I did not authorize XXXX to sell my personal information to Orion 's agency as a term or condition on or before XX/XX/XXXX. 

I had no knowledge of this account created by and between XXXX XXXX and Orion against a crime victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/2019 I opened PenFed Savings account & deposited the {$5.00} they required for me to be eligible to open a credit card account with them also. 
I was asked at that time to provide a color copy of my drivers license, a current utility bill & a color copy of my social security card. I travel for work and did not have my social security card available. I asked if I could use drivers license, utility bill & my US Passport- I was told yes, that would be fine. I scanned those documents and emailed them to the email address they had given me. Several days later I was sent an email telling me the had to have a copy of my SS card. I called and explained the scenario mentioned above & this time was told I still had to provide a SS card copy - he couldnt explain why I had been told that my passport & other documents would be sufficient. Ive now received my first credit card bill & am not able to link my non-PenFed checking account as a payment source. I phoned today XX/XX/2019 and was told that I must provide a color copy of my SS card or a tax statement in order to be able to link my checking account to pay my bill. 
I understand that verification of identity is required & important- but I am XXXX years old and have never been asked or required by any bank or financial institution to provide the documentation they are asking for. Is their request even legal? I would appreciate knowing why the documentation I have provided is not sufficient & whether their request is a violation of current consumer protection law. Thank you

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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am receiving letters from Resurgent Capital Services and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been recently denied or not approved for two rental units in the past month, the most recent application was on XX/XX/2019 for {$65.00} via a computer application called XXXX or Transunion Smart Move. I requested my background check report from both entities and associated third-party " background check '' or tenant screening services. Regarding my application on XX/XX/2019, I obtained something titled an " Eviction Report '' from one of those companies, Transunion Rental Screening Solutions, Inc. I found that this report is wholly incorrect as to the public information contained within ; the report lists one public record, an eviction, that does not even exist, and it lists the SAME one eviction case I do have on my record, three separate times with the same case number, amount owed, etc .... so, instead of the one item that should be on the report, instead it looks as if I have FOUR evictions on my record! I have attempted to contact the company for advisement on how to correct and I have been in an endless loop of transfers to different departments

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 2019-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am on income based repayment ( IBR ) with a payment of {$190.00} per month. There was a one month delay in re-certifying my IBR payment so my monthly payment went to {$490.00}, about 2.5 times a normal monthly payment as defined by my income guidelines. I have asked to deffer/forbear or any other type of relief in regards to the one month payment of {$500.00}. I have been told I can not and must pay the {$500.00} in addition to my monthly payments or default ( over {$700.00} ). I have been making IBR payments for 10 years and now I risk on defaulting because of the additional {$500.00}. please help. 
My servicer is Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: NC

Complaint narrative:
XX/XX/XXXX received letter from XXXX XXXX our account was sold to Midland Credit Center for nonpayment XX/XX/XXXX @ XXXX XX/XX/XXXX spk/w XXXX to explain problem XXXX XX/XX/XXXXspk/w XXXX re same as above XXXX XX/XX/XXXX spk/w XXXX re same XXXX XXXX  spk/w XXXX XXXX XXXX re same XXXX XXXX  spk/w XXXX   XXXX XXXX Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call  ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from Midland Credit Management. Also sent CEOs of XXXX XXXX and XXXX a letter describing our plight. Received calls from both. Described plight again. XXXX said bill returned by USPS unknown at address. When asked what was purchased, XXXX said no. When asked if we could see the returned envelope, XXXX XXXX  XX/XX/XXXX again said no. XXXX  also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from XXXX stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am receiving letters from XXXX XXXX XXXX and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: NJ

Complaint narrative:
so as CFPB already know I had fraud accounts opened in my name got most of it cleared away and I decided I wanted to go to XXXX XXXX XXXX and apply for a store card now back in XXXX I applied and told I was approved and wait 7-10 business days. in that wait I received a letter stating was denied because of delinquent XXXX XXXX accounts I went back and forth on the phone for 3 months. Prior to that I was told by a manager that I was all cleared to apply again which I did while she was on the phone told me I was guaranteed approval now I got the same 7-10, letter came and it said the same thing ... called back-office corporate everybody I spoke to 50 people in 10 different departments all told me everything was cleared and made me run my name but now im stuck with 3 XXXX XXXX inquires and no card or approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2019, I deposited {$1400.00} from my debit card ending in XXXX to my cash app account/card. There was no problem. I went to the post office to to purchase a money order for XXXX . It was declined twice. I went to my car and went to the internet to get a number for cash app   customer service. A number came up and I called it. It was an XXXX #. A man answered and said " Thank you for calling cash app, my name is '' such and such. I told him my name and told him that my card was declined twice and I wanted to know why. He asked for my phone number and asked me to log out of cash app and log back in and my card would be unlocked. So I did. When I logged back in my account was completely gone. I called back and they said they were going to be putting the money back into my bank and that they closed my account. I then emailed cash app and asked why I didn't receive my money. They said they don't use phones. I had the app installed on my XXXX   and was still logged in to the account they had me log out of, and could see that someone had tried to send {$1400.00} to 2 different people I don't know but that was declined " for my protection '' and then they has withdrawn all my money to a card that I don't own. I told cash app that someone was stealing my money and then I sent them pictures of every single thing. They had me fill out a long email explaining everything that happened and they would " investigate ''. I said ok. I have yet to get my money back after emailing and emailing the man " XXXX '' who said he was taking over my case. In their FAQ it says " You will not be able to withdraw funds to any card except the card that deposited the funds ''. I told them that they were responsible for the theft because it was allowed to be withdrawn onto a card that did not deposit the funds. I sent pictures of everything that proved it. I created a new account and used several security features, I needed the card because my husband is a truck driver and that's how I send him money. So today I tried to send my husband money and they had closed my account, it still has money on my card. I tried to withdraw it and it won't let me. I have yet to get my XXXX $ back that is their responsibility to reimburse for allowing it to happen in the first place and now I can't withdraw the money I have on there. They have never returned my email since XXXX took over, he only said to file a complaint with my bank. It is not my banks responsibility because I deposited it onto the card. Cash App has done this to SOOOO many people, it is a branch of Square, a reputable company. Please help me get my money back, they won't help at all. I have emailed probably 40 times and now they closed my account so I can't email them anymore. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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:
I paid XXXX  XXXX for a past due bill in the amount of {$400.00}. I paid them in 2015 IN FULL. This was not part of a bankruptcy and yet XXXX XXXX  is still reporting this as a charge off. I have spoken with XXXX XXXX several times and have faxed them copies of the front and back of the check to prove it was cashed by them and they have done nothing. 

I finally filed a dispute with experian, XXXX, and XXXX. XXXX and XXXX   removed it immediately, yet experian will only go off of what XXXX XXXX is telling them. 

I am so frustrated and don't know what to do. I have worked very hard to improve my credit and reputation and am getting no where with this one little charge of {$400.00}. I have a copy of the check. 

I would like the charge off to be removed and for this to be shown as paid. 

Thank you so much!

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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX XXXX I tried to dispute a debt that I had no knowledge of I recently lost my wallet and possibly someone tried to open something I didn't not do it and the company repersitive was rude and very loud said my credit was gon na be effected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
I have a motor vehicle ticket that is being collected by Professional Account Management LLC ( Telephone XXXX ) I was advised over the phone of their dispute process and was told that the resolution period for disputes is 60-90 days. When asked if the dispute process could be seen in writing, I was advised that I would have to send a letter asking for written verification of the process. However, that process would also take 60-90 days. 

The company has no written statement available to consumers to understand the dispute process and what type of supporting documents are required for generating a dispute. This leaves consumers at a disadvantage when trying to initiate such disputes and find a resolution within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Signature Home Lending Inc
State: LA

Complaint narrative:
Here is the issue ... there was apparently not a complete inspection done on this house, as after i closed on the house I fount that the appliances that came with the home did not work, and there was a lot of things still left incomplete construction on this home and then on XX/XX/XXXX the homes price went from XXXX to XXXX during the time I was in closing on the home and they never lowered the cost of the mortgage at all during that time and still charged me XXXX for a home that was not worth that price as the home had lowered in cost not to mention the broken appliances in the home and the unfinished work in here. tHEY ALSO NEVER DISCLOSED THE FACT THAT THE HOME WAS FLOODED AT SOME POINT and they did try to hide this fact with paint on the interior of the home. they never told me that I could get an independent appraiser for the home and did not tell me I could get my own realtor either. They kept the home on the market the entire time I was purchasing it and only recently did they change that to pending sale and I have already closed on the house. I have written to the realtor involved about the broken appliances and the water damage as well and he just brushed me off and said I should be grateful to own my own home. I just closed on this home on XX/XX/XXXX and I need help for this situation ASAP! I lost a whole lot of money by buying this home since my mortgage loan is XXXX, and the home is only worth XXXX and actually less than this as there are many many things wrong with this house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation