vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated XXXX  XXXX XXXX  {$1300.00} Outdated DOCTORS BUSINESS BUREAU {$180.00} Inaccurate

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 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Thank you for this opportunity. On behalf of my client, we have been trying to work with Fay Servicing, Ms XXXX for over a year. And for XXXX XXXX, a HUD-approved housing counselor for months. 
It has been well over many weeks 1st Trying to confirm they have received the letter of authorization. ( I have and for years have worked with many lenders it is strange as well is very new ... that there is a certification process for the letter of authorizations to speak on behalf of the consumer. 
In addition, it is unheard of the lack of support and assistance the agency 's help is will to offer. 
Continually advising Ms. XXXX to I've up on trying. 
Not to mention continually sending Ms. XXXX mail to the incorrect address. 
No to mention our fear is they continue to play these games that the customer eventually gives up or she loses her home. 
I understand I was granted a loan modification once before. The reps keep telling me that I have bee offered more than one I have only signed for 1 loan mod that is when my fiance passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. XXXX/XXXX  calls and harass me daily for that unknown debt. I explained the ACCOUNT is FRAUDULANT and not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. I also sent a copy of the FTC and police report to XXXX back on XX/XX/XXXX and they still have not been been able to verify/ validate this debt is mine. They are not coorporating and states that they are willing to take settlements. Now I received a letter from XXXX XXXX XXXX XXXX stating that the account was bought out by them. I filed an FTC and police report with my local police department. I don't know what else to do so I am finally coming to you guys for some guidance please and to file a complaint in regards to unfair and illegal practice by both parties..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I obtained a mortgage from a bank in XX/XX/XXXX. The property was foreclosed on for a significantly smaller amount compared to the market value in XX/XX/XXXX, thus inflating the debt owed. Unfortunately, this was due to unforeseen circumstances. I tired a number of times to give the property as a deed in lieu to the bank, however, was denied by the bank. 
Recently I tried to correct the amount which has been closed since XX/XX/XXXX. The bank not only refused to give the XXXX any information but then changed the amount of money owed significantly despite the debt being a charge off. 

This was done in retaliation to directly impact my credit score. 
My credit score in turn dropped over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
The creditor XXXX XXXX XXXX and collection agency and XXXX   are attempting to collect an expired debt that is over 4 years old. Date of last deliquency is XX/XX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. XXXX XXXX  XXXX was the collection agency. But I worked directly with XXXX XXXX  XXXX to pay it off. I have disputed this before with experian, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ). 

When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus. 

I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account. 

One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute. 

I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other. 

XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer. 

There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus. 

As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/20 TransUnion charged me XXXX dollars for a free account to freeze my credit. I thought they just wanted my card info to confirm my identity. Then when I called to get my money back, they kept telling me I was eligible for a {$100.00} Gift card if I paid XXXX dollars. I kept saying no I just want the {$24.00} refunded. Not once did I say I wanted the gift card. They charged me for the gift card anyways. I feel scammed. I know what an advance fee scam is. They used the info they already had on me to charge me without my consent. Twice.

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
Consumer complaint received 2020-07-08 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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.

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 2020-07-08 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: MS

Complaint narrative:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-08 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: CA

Complaint narrative:
I cancelled my subscription to Experian credit monitoring on XX/XX/2020 and received email confirmation of the cancellation ... 

On XX/XX/2020, Experian charged my debit card {$19.00} for credit monitoring fees, and upon investigating I noticed Experian had also charged the same amount in XXXX and XXXX, for a total of {$59.00}. 

When I called to dispute the charges, their representative said I must have started a new trial membership and forgot to cancel within the cancellation period. I did NOT open a new trial membership, or if I did it was without my knowledge or intention to do so. When I asked for a stop to the billing and a refund of {$59.00}, the representative put me on hold and proceeded to process a refund for only {$19.00} ( I did not know she was processing this refund while I was on hold ). When returned, she told me she refunded only {$19.00}. I stated I want all 3 payments refunded, and she refused citing " company policy only allows 1 refund per customer, and since I just processed a refund for you, we are unable to refund any further amounts to you. '' I asked to be transferred to her supervisor. 

The supervisor was not any better. She rudely stated Experian company policy will not refund more than 1 month of services regardless of the circumstances. She then said " There is nothing more we can do for you. If you want, you can dispute the charges with your bank ... it really makes no difference to me. '' I ended the call in disgust over Experian 's poor and deceptive customer service tactics. 

My bank is now disputing the charges. There seems to be a pattern of behavior by Experian to trick customers into signing up for services they don't want, and issuing refunds in such ways that actually defraud the customer.

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 2020-07-08 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: AZ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: NC

Complaint narrative:
I applied for a loan with guild mortgage and I believe it is a predatory loan. This loan reaped guild a lot of money while causing me harm in paying 10x the amount to purchase. I believe my loan officer was more concerned with commission and did not explain all my options to me. When I closed on the house I asked if PMI could be removed and was told in 12 months I could remove. When I called in 12 months I was told that PMI was on for the life of the loan based on the loan type I signed. I believe that mortgage companies should be honest and should read the disclosures out at the time of closing. I was mislead in the process and would like to be compensated. I would like to see what underwriting guidelines Guild followed in my process. Based on a suit in 2016 of Guild I am worried that there may have been issues with the underwriting of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.

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 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Red Bishop LLC
State: NY

Complaint narrative:
I had been contacted about student loan forgiveness. It has been going on for four years now. The company is Federal Student Help, and that is the only information that I know about them. I have received nothing in the mail about how much they have been taken off my debit card, however, my phone receives messages about money being taken out. The amount is {$180.00} per month, but I told them a little at a time during the month. Sometimes the money is taken out, sometimes it does not, it depends on how much money is on my debit card. I want to get out of this program, if it is in fact a program. I have no information about this company, not even a phone number or a address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AZ

Complaint narrative:
I disputed this account with all three of the credit bureaus. All but Experian refuse to investigate and fix the account. I have sent them 4 different request to verify the account and provide me with proof of the verification and to correct the 23 charge offs that are showing for one account. 
Since I started these disputes in XXXX not only is the school XXXX University reporting monthly that the account is a charge-off to make it appear I have a lot more than it actually is. There is now another collection company reporting on the same account ( showing on all 3 credit bureaus ) and stating it is also 120 days late with them and I have never received one letter from this company. To top it all off this account is paid.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I currently disputed a Repossession on my credit reports with the three major reporting credit agencies, they have failed to provide veriable proof of the debt. My information was inside of a data breach and my information was breached and account was opened in my name. Please further investigate this matter because I am in the process of purchasing a home and this information is damaging my credit history. In accordance to the FCRA, I have the right to receive accurate information and anything that is not accurate or validated is a violation of my consumer rights. Please resolve issue thank you so much.

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