vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 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: GA

Complaint narrative:
In XX/XX/XXXX, I retrieved my credit report and noted that XXXX XXXX XXXX ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly XXXX XXXX ), the address reflected was to XXXX XXXX. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. XXXX XXXX never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that XXXX XXXX   had reported these same 4 derogatory accounts, that do not belong to me, on my Equifax report. I disputed with Equifax but to no avail. Equifax responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from XXXX and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against Equifax and at XXXX ( as it appeared on my credit report ). It took Equifax over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby Equifax stated the accounts were mine. 

I then sent XXXX XXXX another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH EQUIFAX & XXXX XXXX   ARE IN VIOLATION OF THE LAW!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed with Equifax on numerous occasions, the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have never resided at this address. Equifax has responded on 2 occasions to my disputes in their reports dated XX/XX/XXXX ( Confirmation # XXXX ) and XX/XX/XXXX ( Confirmation # XXXX ) that they had indeed DELETED this address, yet when I pull my most recent report, Equifax is still reporting these addresses. 

I have never lived at this address, nor have I ever received any mail at this address. Equifax is deleting and reinserting this address and has NOT one time advised me 5 days prior to reinserting this inaccurate address. Again, Equifax has furnished me reports on two different occasions where they explicitly stated this address was DELETED! This address needs to be DELETED IMMEDIATELY & I NEED TO BE PROVIDED AGAIN ANOTHER COPY OF MY UPDATED REPORT REFLECTING THIS DELETION! 

EQUIFAX DOES NOT HAVE THE RIGHT TO RE-INSERT THIS ADDRESS ON MY REPORT WITHOUT GIVING ME 5 DAYS NOTICE -- -- THEY DID NOT AND CONTINUE TO DELETE AND REINSERT EVEN AFTER THEY STATED IT WAS DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( 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 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Due to unforeseen family issues we fell behind on our mortgage payments in XX/XX/XXXX. After months and months of going back and forth with Flagstar Bank we were able to get a loan modification in XX/XX/XXXX. Our first payment of {$1500.00} was due in XX/XX/XXXX and was paid on time. Everything was fine until XX/XX/XXXX when Flagstar sent us a notice that our escrow account was underfunded and that our new payment would be {$2000.00} per month starting in XX/XX/XXXX. This new payment included home owners insurance issued through Flagstar at {$180.00} per month plus the escrow shortage. We had sent them proof of insurance in XX/XX/XXXX and then again in XX/XX/XXXX but they continued to insist we needed to pay the {$180.00} per month. I have a problem with the fact that in late XX/XX/XXXX they go to all the work of a loan modification but didnt look at the escrow account to make sure that it would be properly funded and 4 months later raise our payment by 32 %. 
As we tried to come to an understanding about what they thought we owed and what we thought, we continued to make our original agreed upon payments of {$1500.00} per month. At the time, we did not have the means to pay a lump sum or the extra 46 % increase due to a slow down at my job, so they sent back our XX/XX/XXXX & XX/XX/XXXX payments and started foreclosure proceedings. 
In XX/XX/XXXX I sent in a completed loan modification package for their consideration. Last Tuesday, XX/XX/XXXX, we received a letter from them saying that we were denied a modification because we did not make 12 payments on our previous modification to qualify for a new one.  They also stated that we had recovered from our income shortfall and no longer were qualified for a forbearance. I feel that Flagstar sent back our XX/XX/XXXX & XX/XX/XXXX payments so that they could make this claim, if the occasion ever arose. 
I have recovered from my loss of income and in fact make more now than I did when we were approved for our initial loan modification, but Flagstar seems more interested in Foreclosing than working with us. I have filed a Loss Mitigation Appeal with Flagstar on XX/XX/XXXX ; they said they would give us an answer in 30 days. We need someone other than ourselves to step in and help Flagstar Bank do the right thing and not try and take a home we have been in for a long time.

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 2018-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: WA

Complaint narrative:
My concern is that I was scammed and taken advantage of during the process of this mortgage loan, my concern is that XXXX XXXX the real estate agent friend XXXX XXXX the loan originator at Academy Mortgage. My concern is that XXXX was dealing with unethical people to get this home that was very toxic to me and my family and the home has/had severe black mold in the home. The FHA loan should not have been funded because the house had severe safety and health issues that the financial lender should have complete a full home inspection to make sure that the home met the safety and health concerns of an FHA loan. The assessment of the home was not properly evaluated and overly assessed at XXXX. The family and I had to move out because of the severity of the health and safety issues this home caused. The home inspection was not completed by XXXX or her financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried multiple times calling and mailing transunion, XXXX and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

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 2018-05-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I have tried multiple times calling and mailing XXXX, exeperian and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.

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 2018-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have made two bill payments for {$3900.00} to XXXX XXXX, and they were not completed. MoneyGram issued refunds for the transactions, but when trying to process them at the register, it gives an error and will no process. MoneyGram is holding my money and will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase reported my account XXXX over 30 days past due on XX/XX/2018 when the payment was made. The information needs to be corrected on my credit reports. This is an auto loan. My name is XXXX XXXX and my tel number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I got this payday loan from Advance America to pay off the payday loan from XXXX. However, the more I paid off the first loan I had to pay my everyday bills then pay Advance America and got caught up in the cycle. Other daily unexpected events just has prevented me from repaying them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: FL

Complaint narrative:
I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX Citibank closed my account, which as a result caused severe damage. I had credit card payments returned and XXXX XXXX closed my credit card due to it. 


However I was promised my funds will be released 30 days after the date it was closed which, and it's now almost 60 days. 

I called in, first rep told me it's not closed, 2nd rep told me it's only pending closure, 3rd rep told me, I need to speak to fraud department, 4th rep told me the check was already mailed to me. and on and on and on and on!!! 

Every rep just made up a story out of nowhere, meantime I received a new statement in the mail as I will attach and you'll see the statements is from the date after my account was closed and they charged me a $ XXXX monthly fee. 

I consider that to be fraud!!! and even worse there's no one to talk to!! 



My account number with Citibank is 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 monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I realize i owe this debt. I am on social security XXXX. I am trying to pay these cards asap. Not usually on time. I recently got in a car accident that put me behind. Anyway synchrony bank  calls on average 8 times a day hang up and call right back, leave several computer voiced messages on voicemail usually 5 to 7 a day. They call from about XXXX till sometimes after XXXX. At the same time texting me and sending emails. I get paid once a month if they call i answer some times but when i do answer i get told i have to make a post dated payment to them. I dont answer a lot of times due to tge fact i cant understand them when they talk cause they are from other countries. They are just really stressing me to no end and cant take i cant at the moment for an answer. For example, Today they called the first time at XXXX XXXX then hang up and called again at XXXX XXXX. Its just a daily annoyance and I dont know if or what i can do to stop calling me so much. Please help me.

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX there were {$860.00} worth of charges on my credit card that took me over my limit that didnt have my prior authorization. XXXX XXXX suspended my credit line. I filed a dispute they found out the company didnt have my authorization to charge the amount to my card they credit the amount back to my account and decreased the over the over the amount limit which caused XXXX XXXX to decrease my score on XX/XX/XXXX 126 pts because of the way they worded it on my credit reports. This has been a nighmare to me this is my livelihood I have never been late with this card company and they do me like this. Today i get an alert from my fico that once i paid my balance down to XXXX  they updated my credit report to say loan paid instead of open account as current and paid as agreed. They know its how they word our reports as to how they score us. The status said outstanding loan and loan paid and its never been a loan it was a credit card. They told me last week once i bought my account current they would send me my new card update my account and this is what they do to me.

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 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
We purchase the XX/XX/XXXX XXXX XXXX last year in XX/XX/XXXX. The vehicle did not have the warranty so we brought a extended warranty. There have been several recalls on this vehicle. I ask them can we trade the vehicle and get something else which can even out the difference. They told me that I could purchase another vehicle and they said I would get another car so they appraise it and they assure me that I would not have put anything down. Then the next day they told me that I had to come up with some money, but you told me that I did not since you had all of these rebates. I feel this is bad business practice and that they knew this XXXX XXXX had no warranty but yet it was out on the parking lot for sale. We only had this vehicle for a year and put XXXX down as they down payment and it still has had 2 recalls within the past year. Also I want to add this we purchase the vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ten XXXX phone number is XXXX. The website is XXXX. This company is not providing the needs of the customer if the product is defective. I will have to wait several days in order for them to find out what is wrong with my vehicle but what is the vehicle breaks down ... I have to call them to find out if they have availability, yet the vehicle runs like a piece of 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 2018-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I sent XXXX {$45.00} through PayPal invoiced. I was supposed to receive a XXXX account that had rare items. I texted him through XXXX and once I sent the money he blocked me. PayPal is making me wait till XX/XX/XXXX for his response and I need my money as soon as possible. I never received the account I was supposed to purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

Company response to consumer: Closed with explanation