vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.

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 2019-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company XXXX continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from Experian and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX} Violation : activity on a closed account, inaccurate payment history, See XXXX print out.

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 2019-12-09 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
I have a collection from Fair collections and outsourcing for {$4500.00} opened XX/XX/2015. I have never received a notice of this debt in letter form, I have not been contacted by the collection agency. I have attempted to dispute this debt through XXXX XXXX and XXXX, within 24 hours of starting the dispute it is returned as valid. This is preventing me from being approved for a home loan and is extremely irritating.

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 2019-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I had a home equity loan with Specialized Loan Servicing LLC of XXXX XXXX , Co, which I paid off XX/XX/2019, in XX/XX/2019 I applied and was approved by my current bank to refinance my home mortgage. The title company that was assigned by my bank to do the refinance attempted to locate the Satisfaction of Mortgage which should have been filed with my County Clerks office. The document was not filed at all and all attempts to get them to file the Satisfaction with the County have been unsuccessful. Specialized Loan Servicing just keeps sending me the wrong documents stating they have filed required paperwork. The only documents they have sent me are the following , County Recording page, pay off letter and notice of servicing transfer. How do I make them file the correct documents with the County?

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 2019-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, has my last name completely spelled the wrong way ( XXXX instead of XXXX ) and also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed 2 transactions with Bank of American both from XXXX XXXX XXXX for products not received. At the time I also requested that B of A place a stop payment for any further transactions. From XXXX XXXX XXXX. Both of the initial transactions were placed as follows. 

XX/XX/XXXX in the amount of {$99.00} XX/XX/XXXX in the amount of {$290.00} Both of these transactions were settled and the temporary credit was made permanent. 

On XX/XX/XXXX Bank of America allowed a recurring transaction to go through my account in the amount of {$290.00} from XXXX XXXX XXXX. 

I disputed this transaction on XX/XX/XXXX and the Representative confirmed that the initial agent did not follow my instructions to Revoke Authorization for XXXX XXXX XXXX to process recurring transactions. I was told I would receive a temporary credit by XX/XX/XXXX until the matter was resolved. 

I did not receive the credit and called to follow up on XX/XX/XXXX. Bank Of America has told me that the investigation can last until XX/XX/XXXX and they will not credit my account until the matter is resolved with the merchant. 

Bank of America holds a Fiduciary responsibility to me as an FDIC insured account holder and has not managed my funds as directed or responsibly. 

It is Bank of America 's responsibility to Refund the {$290.00} transaction that posted on XX/XX/XXXX as they failed to Revoke Authorization to process payments from XXXX XXXX XXXX as directed.

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 2019-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have the company credit card and received email that if I open a 360 money market account with the new money from other institutions and deposit {$50000.00} on the account and spend {$500.00} on the credit card and leave the money in the account for 90 days I will receive XXXX reward points. I opened the account on XX/XX/2019 deposited {$50.00} K  spent {$500.00} on credit card. I withdrew the {$50.00} k out of the account on XX/XX/2019 which is 125 days, I called so many times and for the past month they said wait longer when I called today the Representative said you did not leave the money long enough in the account it should have stayed there till mid XXXX to be qualify for the reward and she said there are some fine prints that explain this practice. to me it is obviously a false advertising and miss leading consumers and they think because they are big they can do any thing, it is wrong, wrong, wrong. 
Shame on them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
XXXX and XXXX have taken background checks to suspend and remove my account on their sites. The information, felonies and misdimeanor, are not of my person. 
The charges are from a state I've never lived in and the XXXX would not have let me enlist if I were a convicted felon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My wife and I have had a B or A Visa Card (Account # XXXX and we have paid on time for 19 straight years with no late payments and near 800 credit scores.  .  My wife pays over the phone.  The minimum payment was $25 back late 2018.  The account rep for Visa Card took down the wrong card # and never got back to us and thus we were notified that we were 30 days late.  Returning home from vacation we received this notice of late payment.  We immediately paid $2,000.  B of A could not find the account # but my wife clearly gave the correct # but Visa/B of A inadvertently took down the wrong number.  I protested this late payment and finally got a hold of upper management in customer service who said that they would delete this from the 3 Bureaus.  I trusted the lady who told this to me.  Then a couple of weeks later, I received a form letter stating that they did not remove this late payment and I called and said it went to their resolution department which said "no" they did not remove this.  If necessary, I will seek legal action against B of A Visa but I decided to contact you first.  Since this time, B of A has closed the account.
Sincerely, XXXX XXXX XXXX; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: NM

Complaint narrative:
Last month ( XX/XX/2019 ) I discovered a number of credit cards on my credit report that did not belong to me. I called each company and none of them had any record of me. I called all the credit unions ( Equifax first, XXXX, XXXX  ) and submitted disputed after freezing my accounts/starting a fraud alert. Most of the credit companies removed the information immediately, but Equifax just got back to me saying that one of the cards that was on my account was confirmed as mine. Its got a significant balance on it and most definitely isnt mine. With the dispute result they gave me an account number, but according to the bank ( XXXX XXXX  XXXX  ) they cant do anything unless I have a credit card number. So they told me to talk to equifax. Equifax has been delaying me with a faulty automation system driving me in circles until they finally let me talk to a representative. When I get to the representative they spend a long time confirming my identity, only to put me on hold or transfer me, ultimately leading to me being hung up on either personally by a representative or by automation. They are deliberately ignoring me and refusing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My daughter passed away on XX/XX/XXXX ; as a result, we needed to refinance the mortgage of our second home ( she was on the title ). Upon refinance, Ditech issued 2 checks and sent them to the property address ( renters were living in that residence and they did not provide us with the checks in a timely manner ). The 2 checks totaled {$3400.00} ( 1 check for {$1100.00} was an escrow refund and the other check in the amount of {$2200.00} was disbursed from a suspense account ). We did not receive the checks until roughly a year later when tenants vacated the property that was refinanced. 

I have contacted Ditech a total of 9 times as detailed below : XX/XX/XXXX - spoke with XXXX ( employee # XXXX ) - she said they would reissue the checks in XXXX 's name and we never received them ; XX/XX/XXXX - Spoke with XXXX XXXX - he indicated that I had to supply them with a death certificate, which I did ; XX/XX/XXXX - Spoke with XXXX in the XXXX, AZ, extension XXXX, and she told she was putting in the check re-issue request ; XX/XX/XXXX - Spoke with XXXX and she indicated that they needed to ensure the checks hadn't cleared - it would take 24 to 48 hours - she would follow up and let me know if things were moving forward - I never heard anything. 
XX/XX/XXXX - Spoke with XXXX and got the same stories ; asked to speak to a supervisor ( XXXX XXXX at extension XXXX ) and I was assured a call back once they had confirmed the checks had cleared ... I never heard back. 
XX/XX/XXXX - Spoke with XXXX and was given the same information that I received on XX/XX/XXXX - was told that while the request was initiated, it was submitted. I was assured that the checks would be reissued once the request was submitted ( XXXX said she submitted while we were on the phone ). 
XX/XX/XXXX - did not get the name of the individual I spoke with ( accent was too thick to understand ) - was told that the request was " in process '' XX/XX/XXXX - spoke with XXXX ( Employee ID  # XXXX ) - was told that they would reissue the checks once confirmed that they had not been cashed. 

I have called this organization 9 different times and keep getting the runaround.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In my last credit card statement, Citi claims that they told me that " in order for me to avoid paying interest, I need to pay the whole " New Balance '' amount ''. 

However, I checked the statement I downloaded and nowhere does it say that text " to avoid paying interest .... pay the whole balance ''. 

I only paid {$1000.00} for this last statement since I thought there was no interest that was going to be charged, even though the minimum payment on this card at the time was {$110.00} according to the statement balance. 

Summary : Citi still ended up charging me interest for the entire balance despite the fact that their statement document did not include this anywhere on my statement. I would have made a payment for the whole balance if I knew they were going to scam and try to charge me interest.

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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card is charging me for a returned payment they sent to me in check form. This check was unfortunately sent in concert with my bank deauthorizing the payment too, so it was an error. I communicated several times via phone with Discover immediately upon receiving the check, as well as after, including today prior to resorting to a complaint. I was told to not worry about the check and that it was null and void, so I destroyed it as instructed. I was told my account was on hold for review for up to 4-5 business days. Its been two or more weeks. I have been unable to view my account or get a current balance. I was told today that my balance is double what the activity warrants. I am sure the returned payment has been charged to my account despite multiple attempts to communicate this error to customer service. Instead, Discover sent me a verification request from XXXX  requesting personal tax information from the IRS. This feels like my debt is being held hostage as I am unable to access my account, Im given inaccurate balance, as well as being told my account is past due and accruing fees when Im not allowed to make payment unless I give IRS information. They have threatened to close my account if I do not comply with their request for IRS information. This is predatory and very disconcerting considering I have a long, healthy relationship with Discover until this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Card was used fraudulently to make purchases on XX/XX/2019. One charge was blocked automatically by card fraud detection, however, 3 other charges were allowed that were not authorized. 

A fraud claim was submitted for these 3 charges and a  temporary credit was applied, however, these charges were not approved and were put back on the account on XX/XX/2019 with explanation " - We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' As explained to company, the replacement card issued was never received and was likely stolen and used for these transactions. However, no these charges have not yet been credited and company appears to not have adequate security practices for replacement card use and makes fraud claims difficult to settle.

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 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX PRG report to my credit a debt of XXXX from XXXX XXXX XXXX XXXX ( an apartment complex ). they're trying to collect the remaining month of a apartment lease agreement, that was paid in advance, deposit, and two month. the lease was broke, because they lied, charging the money before showing the apartment, and the showing a demo and renting after get paid a different one, all dirty, with broken appliances and holes in the sink. the lease was terminated by CAUSE ( as is legally permitted for fraud and misrepresentation ) with two month paid in advance. the law of texas all forbid a landowner to charge for the remaining month of a lease, they have to do the " best effort '' to rent the property and then and only then charge for the empty months. 

the lease contract violates the Texas Law as stated, therefore is automatically void, not valid. 

I don't acknowledge the debt, and surely i don't owe or have any relationship whatsoever with PRG. i placed a cease and decease record with them, i want the record removed from my credit score.

Company response to consumer: Closed with explanation