vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called the US Bank Credit card number on XX/XX/2019 to see about lowering my interest rate ( now north of 23 % ). I asked them if they would change my card to a platinum card instead of a travel rewards, that way they can still make money and I save some. The usurious rate that they are charging should be illegal. 23 % I so much that I couldnt possibly dent it properly. Im not asking them to close the card, Im asking them to not charge an arm and a leg, specially when rates right now are so low. It seems completely abusive and I believe the cfpb needs to be made aware of that these big banks are doing to their regular consumers. They said no. That there was no invitation for me to lower my rate right now. I explained how it would be smart to do this cause I could get a balance transfer and terminate my relationship with them. They still said no. They will charge me 23.99 % on a {$14000.00} balance. Which is fantastic for them! They keep this up Im positive they will be the new 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 2019-11-09 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I am the Successor of Interest on a Freedom Mortgage acct # XXXX, of Mr. XXXX XXXX who died 0n XXXX XXXX. I have filled out 19 modification packages, been to court 14 times, requested mortgage forgiveness ( mortgage debt relief of 2008 ). 
My request was declined and then I was offered a traditional modification on XX/XX/XXXX. I called and spoke to representative to inform them that the offer was too high and more than the previous payment. The representative told me that if I did not sign that my house would be sold on XX/XX/XXXX in a sheriff sale. I signed document and was prepared to pay the 1st mortgage on XX/XX/XXXX Fives days prior ; I received a phone call from Freedom Mortgage assumption department informing me that they could not modify without a copy of recorded deed in my name. In previous attempts I was denied from office of recorder because I did not have " Letters of Administration '' ( although I have performed every duty of Administrator. Recently I filed a " petition to show cause '' for Letters and was GRANTED a hearing for XX/XX/XXXX. 
The Mortgage company has now filed paperwork to " Reassess '' damages and is now stating that there is over {$240000.00} owed by the " Estate of XXXX XXXX for this property that was only originally valued at XXXX. My house is scheduled for Sheriff Sale on XX/XX/XXXX. I am confident that the Office of the Register of Wills will give me " Letters upon the conclusion of our hearing on XXXX XXXX. I believe that Freedom Mortgage has infringed upon my rights as Successor in Interest according to the new law implemented in April 2018 by your agency ; regarding the treatment of Successor in Interest. I am seeking relief from this enormous debt which could have been avoided if Freedom Mortgage would have honored the FIRST letter ( dated XX/XX/XXXX ) acknowledging me as the " Successor in Interest ''. Please Help. 
MY CASE NUMBER IS XXXX. My phone number is XXXX. 
My email address is : XXXX Respectfully, 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 2019-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been in talks with Navient every month. I have had issues with making payments but have been on the phone with them multiple times. I have more than one loan and about every month I get a letter saying that Im about to default on my loan. I have called before to set up automatic payments. I now have an auto pay of {$130.00} being debited from my account on the XXXX of every month. Last month, Navient even took my pay out a week early. I have called and asked if they are crediting the right account. I am met with people on the phone who laugh this off as a mistake with a Im not sure exactly what is happening. Every time I call I ask if this monthly payment will make everything current and I wont get anymore threatening letter. They say that I am in the clear. Yet, XX/XX/XXXX, I received a letter saying my account is a 160 days delinquent. In XXXX alone they have received {$200.00} ( XXXX ) {$130.00} ( XX/XX/XXXX ), which was supposed to be on the XXXX, and once again {$200.00} XX/XX/XXXX. I have literally no idea what to do any more as Navient doesnt seem to even know where they are putting my money. This has destroyed my credit score over time and I feel as if my interest rate does not accurately reflect my payments since Navient doesnt know where my money goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

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 2019-11-09 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

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 2019-11-09 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.

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 2019-11-09 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: NY

Complaint narrative:
Incorrect information reporting on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: NY

Complaint narrative:
Incorrect information reporting on my transunion credit report

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 2019-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I have written a letter to this debt collection agency Deville Asset Management on XX/XX/2019 to confirm the validity of this debt they are claiming owed in the amount of {$7500.00}. The letter was returned to sender, which is myself. I had requested that they sent me all the required notices that were supposed to be properly and timely given. I request that they provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Also to please provide copies of the original contract of purchase of vehicle, notice of intent to sell motor vehicle, notice of redemption letter with proof provided in a timely manner for an opportunity to purchase vehicle back, Notice of deficiency including written accounting of remaining principal and interest plus resale fees. I sent it to the address that appears on my Credit Report as associated with this debt collector. But it wasn't able to be delivered. I believe that the information provided is not only invalid but that they have illegally reagged this account so that they can report it to credit bureaus in an attempt to collect a debt that is not owed to cause harm towards my credit. As they continue to report this invalid claim is considered to be a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: FL

Complaint narrative:
I was set up on a payment plan to have {$100.00} taken via ACH every two weeks. At the time that I made the payment arrangements I was told there were 5 debts in collections and the amount that I was paying was for the debt and collection fees. The debts that I agreed to pay were from XXXX, XXXX and XXXX. I did not authorize any other debt than these specific dates to be settled through the payment plan. I continued to pay the biweekly amount which was supposed to end on XX/XX/XXXX. Following XX/XX/XXXX, I noticed that there were additional payments withdrawn from my checking account past the agreed upon payment plan. A total of 3 extra payments were withdrawn. ( I filed a fraud charge with my bank and the 3 payments were reversed after investigation ). These debts despite being paid are still showing up on my XXXX  credit report as being unpaid. I contacted the company and confirmed that the payments had been applied. Why is this debt not being reported as paid? I also asked for invoices for the collections and have yet to receive anything. They have my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My capital one card was a secured card of my own {$250.00}. I tried to get a car rental at XXXX which was the last transaction on that credit card and i was denied the transaction due to insufficient funds. The rental was over {$1000.00} i tried called capital one to raise my Credit since i had added funds to the account. I believe it was 600 or so. Trying to raise my own credit not knowing it didnt work that way ; so i ended up paying cash for the rental the thousand and change dollars all cash. So i have no idea why or how my credit limit # 1 was increased when after i was denied the credit raise i asked for The card to be closed. Now i have a {$800.00} + debt for no complete reason and i have no way of figuring out who was the agent at enterprise that took my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
We were unable to get our payoff amounts from RoundPoint Mortgage in a timely manner. We tried multiple days to get this information. As such we paid enough to cover paying off the principal. We later received the payoff and were {$0.00} short in interest and a {$5.00} recording fee. The paperwork states that a shortage will be considered as instruction to use the escrow to cover the shortage and close out the loan. When I checked the funds were not even applied to our principal so we are accruing interest on a balance while there is more than enough of our money to cover it. I called and was told that they could not apply the funds because it was not the exact payoff amount, even though their own paperwork says otherwise. Was told over the phone there was no one who could fix this even though they have {$1800.00} and {$2500.00} in escrow funds. This is unethical, and against their own published paperwork.

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 2019-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
A debt was posted by XXXX XXXX XXXXXXXX XXXX also known as Mitchell D. Bluhm & Associates , LLC. This collection was posted on my credit score in XXXX for a bill that had been previously dropped by another creditor almost 5 years ago. This collection agency placed a brand new remark on my credit score without notifying me previously via any written communication. I had no idea the debt was still owed or my course of actions that needed to be taken to resolve the matter, no mail or email was sent or received by me which included this information along with the information about possibly disputing the debt itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My account was put on hold on XX/XX/XXXX. I called every day asking to speak to someone on why theres a hold on my account no one speaks to me. I was given a number for an investigator of bank of America XXXX XXXX. I called him left numerous voicemails and he never returned any of my calls. I have bills that have been due for the past two weeks that are accumulating interest day by day. Everytime I call everyone Ive spoken to says they cant do anything and I am transferred to another line where Im supposed to speak with someone and every time I get transferred Im always on hold for hours without speaking to anyone this has been happening for the past two weeks and Ive called back many times to tell them about my problem but its still the same thing over and over. Me calling customer service, after that Im transferred to another line where Im hold for hours with nobody to speak to. I went to a nearest branch and still the banker I spoke told me the same thing. Prior to my account being on hold I was never contacted or told why my account was on hold or was never told the reason an hold will be on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief