vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: NC

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

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 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The company is Capital One. They Robo Dialed my cell phone from XX/XX/2018 to present. I spoke with a representative in XXXX and asked that they discontinue the calls.Because, I was XXXX and XXXX XXXX XXXX, the account fail behind. However, I was able to reinstate my monthly payments in XXXX, but unbeknownst to me, the account was charged off. That said, Capital One continues to call using an XXXX exchange, and when I dial back. The person who answers states that the call is being recorded and they are employment specialists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX2019 a letter was marked to be sent to my address. This was for Performant Recovery Inc. for Account XXXX Fiscal service number XXXX. 

They are attempting to collect {$590.00} for a debt held by XXXX XXXX of {$440.00} per my XXXX  credit report. 

I called on XX/XX/2019 about the change in price and that I would pay the amount owed of {$440.00}. They stated that since they are a collection agency they can charge recovery fees, and the account will accrue interest. 

I escalated to a manager who said the same info. When I informed them of the right a consumer has under the https : //www.consumer.ftc.govXXXX What are debt collectors not allowed to do? 
They cant engage in unfair practices. For example, they cant : try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it. 

This is in direct violation of that. That being said performant then stated I was already given a break on the price of around {$200.00} but that was a payment that was made from my tax collection as I had to correct them on.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from Quicken Loans. The purpose of the call was to sell me a refinance or other loan. From the beginning of the call I stated that I did not want my credit report pulled as the loan I have currently is only a few months old. Quicken already has copies of my credit from a few months ago. Throughout the call, the lender stated " I just want to make sure I'm giving you the best deal '' and also to make sure who he was talking to, verified the last 4 of my social. Towards the end of the call, he stated my report numbers, and I asked him if he had did a hard pull of my credit. He said not to worry, it falls off within a couple months. I told him again that I stated at the beginning of the call I did not want another hard pull on my credit, and I ended the call. 


I followed up with a dispute with Quicken Loans, and was assigned a case worker. 
Case # XXXX XXXX XXXX Quicken Loans | Executive Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX stated he listened to the conversation, and agreed that I stated that I did not want my credit pulled at the beginning of the call, but I " didn't object '' to when my credit was being pulled. I didn't know that a new inquiry was happening, nor did I give authorization for it to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
My identity was compromised while serving oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by XXXX. I demand that this item be removed from my ChexSystems report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received Transunions response to a previous dispute dated XX/XX/2019 which state that the accounts where either updated or verified. DEPT OF VETERANS AFFAIRS # XXXX .... DEPT OF VETERANS AFFAIRS # XXXX .... On Monday, XX/XX/2019, at XXXX EST, I contacted Transunion via recorded phone call and requested the method of verification, for the listed accounts above. I requested that I be made available to the information in writing, in which Transunion verified/updated. I requested : The persons name they verified the dispute with and also any and all documentation used to verify/update the dispute. I asked that the information be mailed to me within the allotted time designated by the FCRA. After not receiving the information requested, I made an additional phone call to Transunion and spoke with a Representative, via another recorded phone call on Monday, XX/XX/2019 @ XXXX EST. I informed the rep. that I had previously requested the method of verification via phone, be mailed to me. Exercising my rights under the FCRA. I informed the rep that Transunion is currently in violation of the FCRA fair credit reporting act, as I have not been provided the infomation that I requested. I was told that I could request the information from the creditor. And I again quoted the laws of FCRA. As stated in FCRA 611 ( a ) ( 7 ) you must provide the information for the following accounts no later than 15 days after receiving this request. In accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This was not a request for a reinvestigation of the previous dispute. Several times, I was asked if I wanted to open a dispute and I told her several times that I did not want to open a dispute at this time ; that I called to express my concerns why the information requested had not been provided, as stated by law. I explained that I told the the previous representative this was not a reinvestigation but rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
I do have proof of the conversations with Transunion, as the company states that the calls may be monitored, and in the state of NC, only one person has to give consent for a conversation to be recorded. I too have a recording of this conversation and can provide proof.

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 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is one of 20 plus faxes i have sent! B of A said denied due to income, and was asking for mom deposits of {$500.00} per month, didnt use first time so refaxed with the {$500.00} and had to add her on, every time i call say one thing and another, called today XXXX-19 now says to date RMA AFTER THE 3RD! AND KEEP ASKING FOR PROOF OF HARDSHIP IS INCLOSED! WHAT TO THEY WANT already called a HUD number that was give said i qualify called XXXX company said i qualify but bank has to approved! AFTER FAXING OVER 20 TIMES!

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
A collection account from Convergent Outsourcing has been placed on my credit reports. It reflects XXXX XXXX XXXX is the original creditor, it states the account was placed on my credit report between XX/XX/2019, and XX/XX/2019. It shows this account was opened on XX/XX/2019. I did not open an account with either company on XX/XX/2019, and I dont have an account with XXXX XXXX XXXX and have no knowledge of this account. 

I did not receive prior information from either company prior to this being placed on my credit reports ; otherwise, I would have immediately disputed the erroneous account.

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 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
STATEMENT DATE XX/XX/2019 PAYMENT DUE DATE XX/XX/2019 LOAN NUMBER XXXX AMOUNT DUE PROPERTY ADDRES MR COOPER has not provided the funds described below. Closing was supposed to be finsihed in XX/XX/2019. 

Please investigate the issue funds due us at closing the loan. 

Where are the {$2200.00} funds that we have remaining? XXXX XXXX notified the title company that those funds where to deposited into our checking account ; they have not! Why? It has been going on for three weeks now. 

This shall be a complaint filed again to the Consumer Financial Protection Bureau ( CFPB ). Then we shall ask an attorney to file a claim in Superior Court of XXXX XXXX XXXX California! P.S. What is the problem??? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Lake Area Collections, LLC
State: LA

Complaint narrative:
After retrieving a copy of my credit report I noticed an account with Lake Area Collections in the amount of {$10.00} on my credit report. I would like the company to show validation of this debt on my XXXX  report or remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TN

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually this needs to be coded as an M1. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
this was my frist credit card ever. I got it in XXXX XXXX it had a XXXX dollar limit. i used it for a couple months and paid on time, then when i switched banks i had trouble setting up payments. It went late and then eventually they closed it. it was never a problem of money or not being responsible, i just didnt understand how to do it. 

they closed the account in XX/XX/XXXX sometime. Its the only thing on my credit report and its giving me a hard time to get started building my credit for real. I want to build it and have good credit. Im XXXX married and have a XXXX. 

I need this one negative off my report so that i can get this going.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TX

Complaint narrative:
To Whom it May Concern ; I filed a Chapter XXXX in XXXX of XXXX. I had purchased a 2010 XXXX XXXX, through XXXX XXXX XXXX. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is XXXX XXXX XXXX filed this with Experian, and will not get it corrected. We sent them a certified letter on XXXX, XXXX, explaining we felt that this was a violation with the FCRA. They responded on XXXX, XXXX, XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through XXXX XXXX XXXX. 

Kind regards,

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I recently got a Chase Amazon credit card back in XXXX. On XX/XX/XXXX I realized that I still had not received ANY paper work including an invoice from Chase Amazon card services. I contacted them on XXXX. I spoke with a representative who apologized and deducted the {$25.00} late fee that was applied to my account. She informed me that my account was in good standing and that I should see my XXXX Statement soon with the payment being due on the XXXX of every month. 

On XX/XX/2019 I tried to make a purchase at a car service business and my card was declined. I called Chase Amazon Card Customer Service and spoke with the manager- XXXX XXXX She told me my card was declined due to non-payment. I explained to her that I had never received a statement or anything from them and could not make the payment until I did because it was a new account and I had never made a payment with them before. She basically told me Chase couldn't do anything about my Non-payment status and until the payment was received it would be declined. 

This is absurd, considering it is of no fault of my own that the payment was not received. I explained to her that if they had my correct address which they are confident they do, then I would have received my invoice just like I received my card initially. I don't feel like the non-payment status is my fault and I feel like I am being punished for their mistake. I am seriously considering closing this account and opening a new account with a better company. I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
a fraudulent account was opened in my name, capital one is refusing to show me a signed contract proving the account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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: IL

Complaint narrative:
On XX/XX/19 I mailed certified documents ( received XX/XX/19 ) regarding identity theft to Transunion and XXXX  requesting items to be removed from my credit profile. I mailed the following documents ; a cover letter, police report, FTC identity theft affidavit, a recent bank statement and a copy of my ID & Social Security card ( see attached ). The cover letter that I sent identified the accounts and they were also identified in the police report. All of these documents were requested by XXXX, after XXXX  received these documents the accounts were immediately deleted from my credit profile ( see attached ). 

On XX/XX/XXXX, I called Equifax for an update and was not able to obtain any information as to the status of my request, I was just informed that an investigation is taking place. They did confirm receipt of the documents I sent but would not give me any information about what to expect next or if I needed to submit more information. I followed all the instructions on the FTC website and submitted the proper documents to have this information on my credit profile removed. I feel as though Equifax is giving me the run around and this process is becoming very stressful for me and my family. Every time I call Equifax they ask the same non-specific security questions and they also repeat the same questions back to back after it was answered correctly. They make it really difficult to discuss your credit profile unless you have your credit report right in front of you. I am requesting the CFPB investigate this process as other consumers may experience this same frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TN

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-20 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: Ascendium Education Group
State: SC

Complaint narrative:
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation