vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Experian ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Experian ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 

By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX are reporting different from what you are reporting. Each account on your bureau report ( Experian ) has / had the same account number and identical information and at the end of your investigation your bureau ( Experian ) stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Experian ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Experian ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
This week I received the attached email, and also a text, stating that my Visa Credit Card ( XXXX ) had been attached to Google Pay. I never asked for this and I went through the various representatives to discuss and they all said this was an error, but I don't trust that some organization isn't doing something that violates financial regulations. 

To be clear I don't have and never had a Google Pay Wallet account and I don't have a Google account under my email XXXX to which this email was sent. I spoke to the following organizations and they have all stated this was a mistaken email and my account has not been attached to Google Pay. But I still don't trust this. I want to know why this was sent out and what is actually going on behind the scene because I don't trust that they are following privacy and financial regulations. 

XXXX - XXXX Visa - XXXX XXXX - Transferred by Visa, don't have their number Google Pay - I couldn't find a number for them Thanks much. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: TX

Complaint narrative:
During the middle of XX/XX/XXXX through presently XX/XX/XXXX I have consistently been in contact with Transunion Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of  many that was received on XX/XX/XXXX at XXXX XXXX. Despite my continuous efforts, Transunion has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX. Transunion has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and Transunion continues to fail to comply.

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 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports. 

Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: FL

Complaint narrative:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-10-27 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: AR

Complaint narrative:
During the middle of XXXX through presently XXXX I have consistently been in contact with Equifax Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of many that was received on XXXX at XXXX am. Despite my continuous efforts, Equifax has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Equifax has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and XXXX continues to fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: FL

Complaint narrative:
EXPERIAN HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-27 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: FL

Complaint narrative:
XXXX HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXXXXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY   XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
To whom this may concern. 

I am writing In reference to the bellow letter from RMS dated XX/XX/XXXX. 
This is the second letter I receive from RMS saying I owe you money for a plain ticket from XXXX and XXXX. I would like to inform you that I have already paid off this merchant in full and never disputed the plane ticket. I have emailed XXXX regarding this matter and they confirmed in writing the ticket was paid in full and there has been no dispute as you claim in the letter. Please see bellow email attached from XXXX confirming that the ticket was paid In full. 

RMS has no legal basis on this claim. I am concerned that you have my personal details which clearly I never authorised to provide them to you. You have violated the Data Protection Act of 2018 by sharing my personal information with third parties without my consent. Furthermore I would like you to stop sending me letters saying I owe you money when clearly I dont. 
If you continue to send me letters or emails I will consider this as harassment and will pursue a civil claim against you for fraud, extortion, violating data protection act and harassment. I will be making a report to the consumer financial protection Bureau for fraud against 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 2019-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I purchased a vehicle from XXXX which was all the way at the time. It was a used XXXX XXXX XXXX financed through XXXX. In XXXX, The vehicle was repossessed. Although I have contacted Equifax and disputed information on the report they are still reporting XXXX in the full balance as if we still have the vehicle. The vehicle was auctioned off in XXXX. The original loan was taken out in XXXX. Even if we had a vehicle why are they keeping an account on there for 11 years. And since they took the vehicle in XXXX ; and of course we were delinquent before then it still should not be reported. I am tired of fighting with Equifax and if this doesnt work I am going to look into hiring an attorney to go after both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: MD

Complaint narrative:
Company failed to verify or notify of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: OR

Complaint narrative:
My husband and I applied for a loan to consolidate his student debt with SoFi. They ran his credit and told us we were declined. They sent a decline email within the 30 days they have to notify us. However, they did not tell me why we were declined. If I want to know why I was declined they say I have to call this number XXXX. 

It was my understanding of Regulation B that they have to disclose the reasons we are denied and they can disclose up to four reasons. 

In the email telling us we were denied, they also stated my husband credit report information per Regulation B and the Fact Act. However, I am concerned about the privacy of my husband 's credit report information. Is is safe to email it? They also did not tell my husband how many inquiries he had on his credit report which I believe is another violation. 

I request that you look into SoFi 's credit application process. I am a XXXX XXXX for a XXXX so I know to look for this stuff, but they are advertising to students especially and are blatantly violating Regulation B. Students do not always know to file a complaint about this. But they always should! I have attached the email for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
National Credit Management XXXX XXXX XXXX XXXX XXXX, MO XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting a collection account. Numerous attempts and disputes to resolve this collection issue have gone unresolved. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Received notice that my case was closed due to me not sending additional info. 
Case # XXXX This mortgage Company XXXX XXXX XXXX has not brought my account CURRENT. 
this has been hanging over my head for a year. I want to be able to sell my house and purchase another. I have lost the new home I chose and have missed the prime home sales period. To say nothing about the credit card debt that would have been paid off months ago, if I had been able to sell my home earlier in 2019. This endless dealings with XXXX has cost me so much money. 
I'm a senior citizen, female, on fixed income and this is draining me so badly. 
Now I have to wait, yet again, to pay off the debt. 
TO say nothing about having my home in Pre-Forclosure for a year. 
So much unnecessary strain and STRESS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To whom it may concern, I have a BOA credit card. Last month I received my ebill on XX/XX/2019 : Pay To Account Number : ************XXXX Due Date : XX/XX/2019 Minimum Amount Due : {$79.00} Amount Due : {$79.00} Account Balance : {$7900.00} I tried to avoid missing the payment so I set up automatic payment online at the end of XXXX or early XXXX ( definitely before the due date of XX/XX/2019, but I have no email confirmation though ). And then I received a payment alert on XX/XX/2019 : Minimum payment : {$79.00} Account : Bank of America Cash Rewards World Maste ending in - XXXX Due on : XX/XX/2019 As a new customer, I thought the automatic payment will take care of the payment. So I did not manually pay anything. 

However, on XX/XX/2019, I received my new ebill and noticed there was a late fee incurred. On the same day XX/XX/2019, I also got an alert email saying " the following payment has been scheduled : Pay To Account : BANK OF AMERICA - PERSONAL CARD Account Number : ************XXXX  Payment Amount : {$180.00} Payment Date : XX/XX/2019 Confirmation Number : XXXX Pay From Account : ********XXXX Account Description : XXXX '' I then realized my automatic payment did NOT work for the month I setup. I had then tried several times to call the customer service for this issue. The longest waiting time is about 30min without no one answering the phone. Until today ( XX/XX/2019 ) I got some one who can discussed with me about this issue. She confirmed my guess that the automatic payment setting only works for the NEXT billing cycle, even though I have set up it before the due date of the current bill. 

I accepted there may be technical difficulties for BOA to make the automatic payment setting work the same month. But it should notify customer, at least in a confirmation email about the automatic setting. Sadly, I did not receive any confirmation/notification from BOA after I had set up my AUTOMATIC payment. Ironically, BOA did sent out a payment alert on XX/XX/XXXX, in which again nothing was about that the AUTOMATIC setting wouldn't work. So customer as I was mislead by this nontransparent communication. I then talked to their manager. BOA insisted that according to heir protocol, there was no payment for that month, so my late fee should be collected, given all the fact I presented above. 

In all, the BOA automatic payment does NOT work for the current bill. And during the process, BOA 's communication is not transparent and misleading. The result late fee is unfair! And I believe it is not only my single case. I hope CFPB can look into this issue and protect customers from this wrongly issued late fee.

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 monetary relief