vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX claiming that I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX   XXXX claiming I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

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 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Said no problems. CASE CLOSED! Starting short sale and or foreclosure. XXXX  couple weeks back no money no home to heal from XXXX the XXXX been out of work almost well 1 1/2 years my XXXX XXXX XXXX from XXXX. WE WERE NEVER LATEWELL THE ISSUE OF BEING. WELLS FARGO FORCLOSED AND OR SHORT SALE.THANK YOU I CANT WAIT TO PACK UP OUR FIRST HOME EVER, AND CANT WAIT TO HEAL OR DIE TRYING NOT to ON THE STREETS OR CAR SOON, THANK YOU AGAIN.WONDERFUL JOB GREAT COMPANY.NOW WHERE WILL MY DISABLITIE CHECKS GO?

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 2019-06-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted a lien release and information from my title company to all three credit agencies. XXXX responded immediately and made the necessary corrections. XXXX took a little longer but have made the necessary update/correction as requested. I have spoken to several representatives at Experian who have been rude and unprofessional at handling my request. Experian has confirmed that they had my information since XX/XX/XXXX but have not made the correction. At this time on my report it reads XXXX XXXX had started a foreclosure process which is not true at all. XXXX has sent me information stating that they have contacted all three agencies and do not know why Experian has not complied. Experian told me on XX/XX/XXXX that they are still waiting for XXXX to response from a request that I made on XX/XX/XXXX. The original request was made back in XXXX and XX/XX/XXXX XXXX responded but the response was incorrect. I made another request via phone and in writing to Experian and the update still has not taken place. I need Experian to update the remarks to state DISMISSED immediately so that I can move on with my life. This has been a difficult process and this agency has been very rude and not willing to cooperate with me at all. Please help my last request with your establishment was on XX/XX/XXXX XXXX and I thought that this would take care of all the agencies ; however, the two have replied professionally and updated the information correctly.

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 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a customer of XXXX XXXX in XXXX Transfer of funds to banks JP MORGAN XXXX $ After I realized that the company I worked with was making a fraud I complained to the SEC complaint number XXXX I asked the American banks for my money back And they refused me. The bank knows that these accounts are of crooks, and does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc
State: CO

Complaint narrative:
on XX/XX/2019 I received an email from XXXX XXXX a representative of national commercial services. The email stated that I needed to contact them within 10 days regarding an old debt. that if I did not contact them to make the payment arrangments, they would pursue legal action against me and obtain a judgment including going after my personal assets. This is a time-barred debt, past the statute of limitations for any legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I am convinced that Google Pay  is nothing more than a massive racketeering operation posing as a " free service '' to transfer money. I tried using the service to receive {$700.00} owed by a client. He paid me via Google Pay on Wednesday XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX and I still do not see the money in my bank account/VISA debit card. My client and I have contacted Google Pay numerous times and we were repeatedly told that the money would be in my account " within 24 hours ''. That promise has now been broken several times. The transaction in question is Google Pay transaction number XXXX. In the 21st century it is inexcusable for any digital transfer of money to take more than 24-48 hours.

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 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I filed chapter XXXX bankruptcy to save my home from foreclosure. Over the years my loan transferred from XXXX XXXX to XXXX to XXXX  XXXX XXXX to Fay Servicing to XXXX XXXX. Somewhere between XXXX and XXXX XXXX XXXX I lost my buydown set at 3.5 year one, 4.5 year two, 5.5 year three for the life of the loan. I sought explanation from XXXX  only to be told that it was given to me in one lump sum. No evidence of such credit ever provided. I then sought modification from XXXX. After weeks/months of repeated " lost '' documents and one week prior to my anticipated modification my case was closed with the excuse that my loan had transferred to Faye Servicing. After filing bankruptcy my attorney sought a modification on my behalf. The only thing Faye Servicing offered was amortizing {$37000.00} to the back of my loan, and increasing my interest rate by half a point. Upon completing Bankruptcy Fay Servicing has been utilizing my Escrow payments to cover " {$4000.00} Escrow Shortage. '' This has been ongoing Since XX/XX/XXXX when I started paying my own mortgage. I have been Paying nearly {$4000.00}. annually for Escrow only. My taxes  and Insurance total under {$3000.00}. Other charges Fay has been collecting is Corporate Advance Charges, Legal Fees, Property preservation, Suspense, escrow shortage etc. 
I have attached convenants and conditions of modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I deposited a large check at the XXXX branch on XXXX XXXX,2019. Today is XXXX XXXX,2019 and I still do NOT know if the check has cleared! This despite my asking several people at the XXXX, XXXX, and XXXX branches! Incredible! Astounding! Appalling! And they call this a bank?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Diversified Recovery Services, LLC
State: OH

Complaint narrative:
on XX/XX/2019 a man named XXXX from midwest diversified recovery services contacted my wife on her cell phone discussed a debt that i am not aware of and demanded her to listen to him called her a XXXX* and violated the fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MD

Complaint narrative:
AVANTE USA is reporting that I owe a medical bill from XXXX, they have this listed n my credit report as of XX/XX/XXXX with a balance of {$910.00}. They are trying to collect a debt that does not belong to me from XXXX XXXX XXXX Of Maryland. Someone got my number from this company somehow and told me that its from XXXX and I told this person that I have always had medical coverage.This company should not be reporting negative information on my credit reports for a account that does not belong to me from the year XXXX which is over seven years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XX/XX/XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XX/XX/XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX POST OFFICE, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This account was settled with the collection agency it was sent too. I tried to reach out to the credit furnisher but they would not update my account accordingly. I also tried disputing it with the credit bureaus and they refuse to correct/ update/ delete the 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 2019-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
The loan company are overcharging me for the repossessed and they are not applying the payment to my account. I been making payment and instead my account going down is going up with more charges.

Company response to consumer: Closed with explanation