vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
Tried sending money ... .through Remitly ... XXXX Wa ... was told cancelled because I violated terms ... .but wouldnt tell me how?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This alleged debt violates FDCPA regulations. I was only the authorized user and therefore not legally responsible for this debt. This collection agency is also violating Texas Finance Code 392 for incorrectly reporting this as my debt on all 3 credit bureaus. This company has failed to provide me written documentation where I signed up for this alleged debt and executed an agreement that I was financially and legally responsible to repay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: TX

Complaint narrative:
This company failed to send out any written notice to me about this debt. I never got an opportunity to pay the debt prior to it being reported on my credit report. This company is illegally collecting in the state of Texas by violating Texas Finance Code 392, FCRA, FDCPA and CFPB regulations. IA complaint is being filed with the Texas Attorney General 's Office for this violation as well. Attached is a document showing they are not licensed. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
Purchased collectors coins with a face value of {$2.00} ( less than  {$12.00} melt value ) for {$35.00} on XXXX through XXXX with my fidelity visa card. 

Received bill from credit card company for amount charged plus {$10.00} cash advance fee and {$2.00} minimum interest. 

I was told by the CSR that I can not remove cash advance from my card. 

{$12.00} was removed from my card, but I was told this was being done as a courtesy. 

My card is paid in full at the end of every billing cycle. 

The next month I was charged another {$2.00} minimum interest charge for the " cash equivalent charge. 

They refused to reverse. They have refused to acknowledge my demand that they cancel my card. And refused to send me my final bill by mail. They offered no option for me to substantiate my claim that the classification as cash equivalent was invalid. 

I have 20 years of buying collectors coins in this manner with credit cards. I was not advised of a policy change, and given no way to prevent unauthorized cash advances from being charged against my credit card.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Mr XXXX XXXX and Mrs XXXX XXXX XXXX / XXXX To Consumer Financial Protection Bureau Re : XXXX account ending XXXX and Platinum account ending XXXX In XXXX, we opened an Amex XXXX card offered to the XXXX XXXX XXXX Private Bank platform, of which we are clients. In the following month, we also opened a Platinum card. 

Since then, we have had multiple issues with the membership, causing us financial, security and even moral damages, and after several attempts at contacting Amex, no solution has been presented yet. 

Issue # 1 : Around [ XX/XX/XXXX ] of XXXX, we received an additional card that was never requested of a person that is not known to us, named XXXX XXXX. The card is linked to our account and can be visualized when we access our account online. Not only is a very serious security and financial, but it also created a very uncomfortable personal situation. 
A copy of the card and a screenshot of our online access showing the card is linked to our account is attached. 

Issue # 2 : Amex XXXX cards offered through XXXX XXXX have initiating fees ( {$5000.00} ) and first additional card fee ( {$1500.00} ) waived. However, we were unduly charged these fees : {$5000.00} on XX/XX/XXXX and {$1500.00} in XX/XX/XXXX. We have not yet been refunded, despite our complaint. 
( Copies of the statements showing the charges are attached ). 

Issue # 3 : Both XXXX and Platinum have terrible customer service lines. We can never connect and, when we do, the quality of the call is always very low. We have tried calling from different numbers, but we always encounter the same issue. Also, XXXX claims to offer assistance in XXXX, but that is not the case. Trying to resolve the issues above with this customer service has been impossible. We asked Amex for a physical or e-mail address to send a letter with our complaints, but after waiting on the phone for XXXX minutes, we were told there were none the only way to make a complaint is through the telephone. 

After months of unsuccessfully attempting to address our issues directly with Amex, we are turning to you hoping that you can help us reach a solution. To resolve the problem, we would like to have XXXX XXXX immediately removed from our account. We would also like a refund of the {$6500.00} paid in fees. Last, but not least, we also suggest improvements in the call center as well as the availability of assistance in XXXX, as advertised. 

We look forward to your reply. Please contact us at the above address, by e-mail at XXXX or XXXX or by phone at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 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: CORELOGIC INC
State: MD

Complaint narrative:
On XX/XX/2019 I were accused of two charges from a Person who does not match my legal name, age or and other specific identifications. My driving record and any other record is clean. I have never been indicted for anything. I work for the XXXX as a XXXX  and XXXX. With a XXXX XXXX ( I will not be able to have if I were charged ). I put a dispute in with Corelogic. The management company for XXXX XXXX   located in Maryland.

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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I had to surrender state taxes this year so some of the debt should be accounted for. Also the bill was extremely outrageous. I think im going to contact legal experts for companies over charging XXXX. Especially here in the South Carolina. I need some kind of resolution and a.s.a.p

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Was advertised to open a bank of America checking account for a {$300.00} bonus. Requirement was to *Open the Bank of America Advantage account before XX/XX/2019 ( OPENED XX/XX/2019 ) *within 90days, receive direct deposit of {$4000.00} + Bonus will be given within 60 days after meeting the requirement. 
( I have met the criteria as of XX/XX/2019 ) I called Bank of America on XX/XX/2019 and was told that they have to escalate this issue and will take another 30days. I was advertised 60 days, not 90. They also stated they will mail me the bonus 'If ' they can resolve this. How ever I will be on a XXXX XXXX since I serve in the XXXX XXXX. 
My complaint is I was falsely advertised and was not given the bonus as advertised within the amount of time they stated and still have not received what Bank of America has promised

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 2019-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have a loan that originally cost {$6500.00}. My mother was convinced to pursue this loan. At the time I was XXXX years old and just trusted her. She signed a variable rate loan. To this day I have paid {$3900.00} in interest and XXXX in principal. I have attempted to reach an agreement and give them a lump sum. The companies response is simply that you cant negotiate your loan terms. I still owe XXXX because they raise the rate every quarter and I end up owing more than when I did in XX/XX/XXXX and it is not XX/XX/XXXX of the following year. If this is legal than I'm going to change careers and start taking advantage of kids in college and get them to sign loans under terrible terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN

Complaint narrative:
I checked my credit report and found a medical collection that is seriously effecting my credit scores. Universal collection Systems is reporting information that is inaccurate, This debt is not mine and is for someone else with similar name. I have made contact with the collection company whom has not validated that this debt belongs to me. I have not done business with Universal Collection Systems, below is the inaccurate reporting information.


UNIVERSAL COLLECTION SYSTEMS
XXXX XXXX XXXX XXXX | XXXX, TN XXXX 
Phone: XXXX 
Toll Free Phone: XXXX

Creditor Name
UNIVERSAL COLLECTION SYS


Account No.
XXXX


Original Creditor
XXXX XXXX XXXX XXXX  


Responsibility
Individual


Condition
Derogatory


Original Balance
XXXX


Balance
XXXX


Date Opened
XX/XX/XXXX 


Date Reported
XX/XX/XXXX


Remarks
Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I am a widowed senior citizen of XXXX years old. I am currently in a reverse mortgage with Celink Mortgage, XXXX. XXXX XXXX, XXXX, TX XXXX. Telephone number : ( XXXX ) XXXX. The reverse mortgage loan number is XXXX. My husband died in XXXX due to XXXX. I live with my son and he too has XXXX and is XXXX. Between the both of us living on a fixed government check once a month it is getting nearly impossible to continue making the home insurance payments to the XXXX XXXX XXXX company, address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : ( XXXX ) XXXX. Now on XX/XX/XXXX they want a down payment of {$2100.00}. I tried getting another insurance company but when my local insurance agent sent an inspector this week and did a 4 point inspection the report showed that this house needed too many repairs, i.e., roof tiles and electrical issues. Hence, my son and I don't have the money to repair the house for another insurance company to take over. The roof is especially critical with 50 % of the tiles needing repair. I don't know who to turn to. I don't want to loose my house and I am afraid to let the reverse mortgage lender know for fear of foreclosure. Please advise me! Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CA

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

Company response to consumer: Closed with explanation