vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: NC

Complaint narrative:
Equifax credit reporting agency, has violated my rights under the FCRA Section rule 611 ( a  ) ( 6 ) and ( 7 ) for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into four times that last was on XX/XX/2019 and supporting documentation was also sent with the same results. I am a victim of Identity theft and have provided all supporting documents of such. All other reporting agencies have lawfully conducted themselves, yet suppervisors of this agencies have went as far as telling me constantly that it is not their responsibility to provide verification and that no such law requiring them to verify exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I placed an online order with XXXX XXXX ( XXXX ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called XXXX XXXX in regards to returning the shoes in return XXXX provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that XXXX cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts XXXX claim I owe. XXXX company provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called XXXX and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item XXXX is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that XXXX XXXX negative item be removed to correct the information ; XXXX Balance.

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
The company, Alliant Captial Management LLC, who's owner is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Have been calling me from the number ( XXXX ) XXXX-XXXX for the past two months asking me to pay a debt to a XXXX account I never had. When I try to explain I never had a XXXX account they call me a lair and threaten to have a lawyer sue me. I asked for a supervisor and was hung up on several times. Finally, a person claiming to be a supervisor told me the calls would stop. Yesterday, they started again using the same tactics, calling me a liar and saying their lawyer will " take action '' I asked for a supervisor and was mocked by the person on the phone who kept repeating the same words over and over like a robot. Saying " what is your date of birth '' over a dozen times. It was very strange. Apparently, this company has had many many complaints lodged against it. I am also filing a complaint with the Florida Attorney General to ask that they cancel their license to do business in Florida. They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have been wrongfully charged by XXXX XXXX for one of  there employees starting an account with out my consent or approval of starting a phone line with them I was charged XXXX $ for a phone I never got so he could get paid.after a while it showed up on my credit and I was confused cause I never got anything from XXXX XXXX to be charged then when I read into it they charged me for putting me on there plan when I was unaware of it. XXXX XXXX destroyed my credit and it dropped a lot because of this collection. I want to take action over this for the employee who did this to me and about my collection Im wrongfully charged for owning I would like to get compensated for all of what I have been threw and how XXXX XXXX takes advantage of customers to make a sale and try to get all of there information and charge people for things they dident want to find out latter then minuplate to get there way to sign up with them or lie or say one thing and then take it back or trying to give out promotions when at the end you saved nothing I would like for this to get followed up on and action to be taken cause no one should go threw this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Quick Silver Capital one Credit Card Account that I have had for almost 2 years was closed by capital one and adversely affected my credit score. 

The account has never had a late payment and has been paid off in full multiple times throughout the time I had it. 

I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. Capital one said there was insufficient funds which is not true. 

I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. 

I do not feel my account in good standing should have been shut down and credit history ruined because of a returned check that was to a correct account number and that had the funds to make good on the payment. 

1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account that has been paid on frequently with correct bank accounts. 

I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: VA

Complaint narrative:
My credit score with the three leading credit reporting agencies has been over 800 for several years. Suddenly, my TransUnion score dropped 60 points, from XXXX to XXXX in one cycle. 
I called TransUnion and after five representatives over three separate calls, I finally found a representative who helped identify information leading to the change. According to the information, an account I have with XXXX was " closed ''. I explained the only change I had with XXXX was the company re-issued new debit cards to customers in response to a potential breach at a national retailer. The TransUnion representative then stated that made sense since a new debit card would " appear '' as the closing of an account and erase all that history I had with the account. She even said the same thing happened to her once. I stated that did not make sense since the debit card is only tied to my checking account, and my old debit card was up for renewal in the near future anyway and the XXXX reissue just happened to occur first. She insisted that had to be the case since there were no other changes or adverse activities on my report. By the way, subsequent calls to TransUnion representatives offered no help as those representatives just insisted they ' ... don't have to provide a reason why [ my ] score dropped ', and one representative saying, "  XXXX is still not a bad score '', as if that would assuage me. 
I called XXXX and informed the representative taking my call what the TransUnion representatives said. The XXXX representative agreed with me and said there should be no reason why a new debit card issuance would in anyway affect my credit score. 

If this happened to me, it potentially happened to every XXXX customer who had a new debit card issued. I do not fault XXXX, I fault TransUnion. 

Oh, by the way, my credit scores with the other two agencies still remain well over 800. Go figure.

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 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education
State: NJ

Complaint narrative:
i have never recieved any payment information pertaining to my loan, i checked my crdit report and see that XXXX has reported me to the bureaus, until then i have never ever recived any notification that the loans were sue or i would have easilly paid them on a monthly basis. addtionally i had loans for XXXX now i over XXXX. 

it appears as if XXXX sent me elctronic notifications of which i never recvied, i also never ever recvied any documention from XXXX via USPS mail. i am more than willing to pay the loans monthly, but would appreciate if they can remove the negative info from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Account Number XXXX with Nissan /Infinity. 
Please refer to case # XXXX for background of this complaint. Nissan reported to 3 credit agencies but still remains on XXXX. Emailed them to no avail, has not been removed.In email dated XX/XX/2019 to grounding team, see below, XXXX XXXX from XXXX XXXX of XXXX was assured this would be removed. Again please refer to past complaints, this charge being pd was the fault of XXXX, not myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Cap One Platinum Credit Card Account that I have had for almost 6 months was closed by capital one and adversely affected my credit score. I recently had to switch bank accounts and the account I added to pay the bill had sufficient money in the account and I have no idea why the payment was returned. 

Capital one said there was insufficient funds which is not true. I contacted the bank and they said they never had any kind of electronic payment go through but the account information that I gave Capital One was correct. I do not feel my account in good standing should have not been closed and credit history ruined because of a returned check that wasn't even a payment to this account. The payment that was made on a different capital one account was the correct account number and that had the funds to make good on the payment. 1-2 returned payment in a year does not erase a lot more payments that were good and on time. Please reverse this closing to my account ( s ) that has been paid on frequently with correct bank accounts. I will include bank statements from the bank account number that was added to the account and verify that the accounts were good and in good standing. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I haven't been able to log into my account to even attempt to make payments since 2016. I've tried numerous times to have my information sent to me in order to log in, but somehow they don't recognize my social security number and birth date. I've requested forbearance at least 3 times already because it's my only option without logging in. All I had to do was reply " yes '' to their email, or let my account fall into delinquency. I want to pay my loans but they won't help me do it! I started out with a small loan and it's doubled in size because I can not do anything about it. This is incredibly frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: VA

Complaint narrative:
In XXXX of XXXX, my wife and I contracted to buy a house in XXXX XXXX in XXXX Virginia from XXXX homes. The address is XXXXXXXX, XXXX, VA XXXX. As part of the loan process with Eagle Mortgage, a subsidiary of XXXX XXXX, an appraisal was required. The purchase price of the house was {$370000.00}. The appraisal valued the home at {$460000.00}, an {$85000.00} increase in value of the purchase price. Instant equity, we were told. Less than a year later, we were looking at potentially selling the property only to be told by several real estate agents that the best we could hope for was a sale price of {$350000.00} based on current real estate data. Not only a loss of our instant equity but a reduction in value of {$25000.00}. Something is wrong with his scenario. There has been no recession and the fact of the matter is the home had an inflated value solely for the purpose of securing a mortgage. When I reviewed the appraisal form, I could not find any realistic justification for the original appraisal. As an over XXXX year old lifetime resident of the Commonwealth of Virginia, I feel there is some level of fraud involved in this situation. Fraud against anyone is unjustifiable and fraud against seniors is indefensible. 
Remember the mortgage crisis of 2008? Overvalued appraisals were one of the leading causes. 
Are the appraisals being fraudulently overvalued? Is Eagle Mortgage, which hired the appraiser complicit in these transactions? 
I would respectfully ask that this situation be investigated, as this type of financial manipulation is wrong and potentially illegal. 
I can be contacted at XXX XXX-XXXX 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing inquiries on my credit report For the last 6 months with TransUnion. I have been disputing erroneous, invalid and unverifiable reporting of specific Inquiries. I called and was refused the right to dispute. I specified the account names, inaccurate info and provided my personal info each time disputed. The company website does not work after 2 months of trying to dispute online. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action, but they ignored and/or overlooked my requests AGAIN. I sent a hand written letter in XXXX, requesting these inquiries be removed. 

In XXXX of XXXX I called to have these inquiries which, I do not recognize and did not give permission to have my credit pulled removed. Trans Union has NOT conducted an actual investigation. Trans Union has not provided verifiable proof via original instrument of indebtedness. I have on multiple occasions called over the phone to dispute inaccurate data and have been told that i can not dispute anything. The items i am questioning ( hard inquiries ) aren't disputable. I know Trans Union is not there to help me as proven over the last 6 months of disputing these inquiries. They are a for profit company who intends to conduct predatory business to keep consumers crippled. However, i know i do have rights. 

All accounts being reported on all consumer credit reports must be 100 % verifiable, 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer or i will seek legal action against this company. I have attached the responses received and listed the accounts in question that am disputing. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is the response letter from Transunion. AGAIN declining my request. I am asking that these inquiries be delete from my credit file as I did not initiate them. Trans Union can not seem to comply with the FCRA and the rights I do have as a consumer. I am utterly disgusted with this company and their intentional negligence. I will be filing more complains for other letters I submitted to them with similar responses.

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
After checking my credit score I came across an inaccurate delinquent account under my name via XXXX. The account was made by fraud. I've disputed the account but nothing has been done to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: OH

Complaint narrative:
Plaza Services and XXXX I have no knowledge of this account have never been contacted by phone, mail or pigeon no account number or anything for this account to even know how or who to pay until I saw it pop up on my credit report. I sent a debt validation letter to this company dated XX/XX/19 certified return receipt which they received at XXXX XX/XX/19 in XXXX , GA XXXX Tracking number from USPS XXXX Delivered to front desk/Reception/Mail Room. To which they had 30 days per 15 U.S. Code 1692g - Validation of debts they must respond in 30 days with validation of debt. to this date I still have not received anything from this company. i also file a dispute with XXXX XXXX who claims that the debt is valid but no one has provided any validation of this debt or anyway for me to know who, when, why or how to pay said debt if it is mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ERC
State: GA

Complaint narrative:
I filed a dispute against the collections agency ERC, back in XX/XX/XXXX on an account that they're reporting on all three of my credit reports. The first complaint is that they did not respond to my dispute within 30 days, I didn't get a get a answer until XX/XX/XXXX. Also in my dispute request, I requested that they send me a copy of signed documents by me proving that this debt is indeed my debt, which is my right. However, they sent me a letter stating the debt is validated by a bill, and they sent me the copy of the bill. No signed agreement or document. This is my debt, and this is not a accurate form of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CO

Complaint narrative:
Experian shows XXXX  XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with experian and gave them proof it was paid off and it still on my credit,.

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 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: TX

Complaint narrative:
I bought a house and got a mortgage for {$350000.00}. The appraisal came in at {$440000.00}, so the loan is less than 80 % of the home value. The title company said the lender needs to remove the PMI, but they said they wont remove it for 10 years regardless of the appraised value. What is the rule about this?

Company response to consumer: Closed with explanation