vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: SC

Complaint narrative:
I have never done business with Second Round Lp. I do not have a signed contract or a verbal agreement with this company. Second Round Lp is considering the means of the US Postal service to fraud me out of money. This is extortion. I will notify the postal inspectors and pursue litigation for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For over fifteen years XXXX has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. 

So in XXXX, XXXX I wrote to XXXX via a Certified/Return Receipt mail, requesting that my personal data ie my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response, months later. 

Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me and has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. again, they blatantly ignored my request. 

1. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX/XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX/XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. 09 XXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. 11 XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX  XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9. 11 XXXX XXXX XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 non-monetary relief
Consumer complaint received 2019-06-10 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: KY

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX   XXXX XXXX  XXXX ; XXXX/XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10 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: KY

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX**** ; XXXX/XXXX  XXXX**** ; XXXX XXXX XXXX   XXXX**** ; XXXX/XXXX XXXX**** ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
I purchased a couch from our van at the end of my one year of payments they tried to hit me with interest and they charge me too much money I overpaid and they wont refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two loans being reported on my credit profile with identical Account # s and one is being reported as a collection and derogatory. I have reached out to the Creditor reporting this information and as well as to Equifax who is reporting the inaccurate information. The Original Creditor responded that they no longer are the credit reporting furnisher after asking for validation on the debt. Letter will be attached. I dont see how Equifax or XXXX XXXX is reporting such if they claimed to have verified the account but the ORIGINAL Creditor does not furnish the account anymore nor have information on me for such account. 

Also the CHARGED OFF Derogatory account has ON TIME payment history dating XXXX of XXXX all the way through XXXX of XXXX. This is clearly INACCURATE information being reported and am aware this is a tatic to Re-Age accounts so they continue to report as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OR

Complaint narrative:
The bank mishandled fraud transactions on my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XX/XX/XXXX, 2019-requested complete account history including payment history-received incomplete history from PRA. 
XX/XX/2019 -submitted another request stating documents received were not complete history and didn't include payment history. 
XX/XX/XXXX, XXXX- sent letter stating PRA did not complete my request within 30 days and account must be removed from credit report. 
XXXX XXXX- account was removed from my credit report as requested. 
XXXX XXXX-account was relisted on my credit report with no notification from PRA. 
XX/XX/2019 - sent demand letter to PRA stating they violated FCRA by not completing my initial, multiple requests within 30 days as well as violating due to putting account back on my credit report without notifying me. 
XX/XX/XXXX, XXXX-emailed PRA copies of previous requests mailed demanding account be removed from credit report. 
XX/XX/XXXX, XXXX-received notice from PRA that since I didn't respond to their " request for further information '' the investigation is closed - never received any such request via mail or email. 
This company is in clear violation of multiple FCRA laws and this account should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was billed XXXX on XX/XX/19 for an item from XXXX XXXX I later returned due to their error. XXXX initially did not have a record of my return so I disputed with my credit card - Chase Amazon Visa. Chase closed the dispute as XXXX stated they had no record of the return. Eventually I got XXXX to credit me ( payment was thru XXXX ). However, XXXX has no record of payment from XXXX although I have a detailed receipt. I re-activated my dispute from Chase providing them the receipt but they denied my dispute and have not given me a reason. I made multiple inquiries with XXXX, who said they can do nothing as Chase 's inquiry overrides theirs and in any event they have no record of the refund from XXXX at the date and time below or any other. The receipt, attached, indicated the refund to XXXX from XXXX was on XX/XX/19 at XXXX XXXX ( and 23 seconds as I learned after going to the store ), in the full amount, from store XXXX, XXXX XXXX, transaction XXXX and indicated a payment code of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hi, Credit card company ; Walmart. Made a purchase on XX/XX/19. Received bill on XX/XX/19. Credit card bill due on XX/XX/19. Shouldn't there be more time for me to pay this bill? I read something about 21 days from receiving the bill untill due date. This is not the case. This is not the first time Walmart has done this. This is why I'am filing a complaint.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to XXXX XX/XX/2019 I had attempted to register on the websites of Equifax, XXXX  XXXX and XXXX  to no avail as they claim to be experiencing technical difficulties. Calling Equifax to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling XXXX  ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: GA

Complaint narrative:
I called Equifax on XX/XX/2019. I am a victim of identity theft, my identity was stolen years back. I called Equifax to dispute some fraudulent accounts that are on my credit report. There is also some Hard Inquiries that are fraudulent that I wanted to dispute. I was also notified by Equifax a year ago to inform me that my credit file was compromised due to a Breach in their system. When I was finally able to spoke to a representative about my disputes, she fused to verify my information and she would not take my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I sent a person of the name XXXX XXXX who stated on XXXX that he owned a show business called XXXX. He stated that I should send him money through XXXX which is a company used through my bank USAA which I took a dispute out and received a letter back stating I would not receive my refund back for XXXX dollars because it was not a fraudulent transaction. I requested my money back from XXXX XXXX which was a scammer before I realized that I was being scammed. I contacted XXXX through my bank not knowing that my hard earn money would not be reimbursed because I didnt know of this. If I had known about XXXX not having a fraud protection plan I would not used them nor XXXX XXXX. I have banked with USAA for 17 years and I have never experienced this type of treatment or have ever been scammed. I would like to receive my refund back of XXXX dollars. Please do not use XXXX XXXX nor XXXX to do any online purchases. The guy got me for a total of XXXX dollars. I sent him {$920.00} plus {$320.00} on XXXX XXXX  and {$300.00} through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to ~XXXX XX/XX/2019 I had attempted to register on the websites of XXXX, Experian , and XXXX to no avail as they claim to be experiencing technical difficulties. Calling XXXX to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling Experian ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Chase bought our existing mortgage from XXXX. XXXX bought our loan from our original mortgage company. XXXX started to illegally charge us Private Mortgage INsurance ( PMI ), which our original loan never had. We were in the process of having XXXX stop illegally charging us PMI, when they sold our loan to Chase. I called and emailed Chase to have them look at our original loan and HUD-1, which does not list any PMI. We also noticed that original HUD-1 was never signed by us, and our original closing documents do not list any PMI. our HUD-1 and all our copies of our closing documents do not list any PMI, since we put down the amount the original load company requested in order not to have any PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore took over servicing from XXXX I requested verification of the debt and payments from XXXX of XXXX. Only verification I ever received no matter how many times I disputed the debt with XXXX XXXX  & XXXX and the servicers was a printout of payments charges fees. There were over payments that were never applied to my mortgage the amounts were just adjusted out of the account. I entered in to 3 modifications each time they held the payments in suspense ( in one instance the payment was not applied to the account for 2yrs ) Because the payments were put in suspense they claimed I defaulted on the modifications. The balance they say I owe as of XX/XX/XXXX was {$120000.00} yet I made modification payments after XX/XX/XXXX. 
XX/XX/XXXX the foreclosure judgement was entered by XXXX XXXX and XXXX while I was completed a modification plan with Rushmore. XXXX XXXX   and XXXX were also Dual tracking when I was in a modifcation with XXXX and with XXXX. They never served the 90 day notice they never acknowledged the numerous debt disputes. XXXX of XXXX Rushmore denied a modification but did not provide information as to the rules regarding the modifications they also claimed they could not consider it because it was less than 37 days when the sale was not until XX/XX/XXXX Despite the mortgage stating that I had the right to payoff the mortgage up until 5 days before the sale XXXX and XXXX XXXX and XXXX did not send the Payoff until after the sale despite the request being made in XXXX giving them ample time to send the payoff. They effectively breached the contract. 

The County Supreme Court disregarded the blatant lack of jurisdiction did not request a traverse hearing despite proof XXXX XXXX was never served Rushmore XXXX XXXX and XXXX also have ignored this fact. They are now trying to evict me after breaking the law numerous times causing me emotional distress. They have broken numerous laws in the Frank Todd Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions Investment, LLC is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX ran a hard inquire without my knowledge or permission. 


XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In communication with a representative of mortgage claims of Banco Popular tells me that the payments applied to my mortgage loan were for legal expenses for {$450.00} and not to credit my mortgage ( Claim XXXX XX/XX/2019 ). When they notify me that they are only {$50.00}. See Evidence.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: FL

Complaint narrative:
I am reporting a violation on the F.T.C. Fair debt collection Act.FMA Alliance ltd, file # XXXX is billing me for a account balance of {$760.00} that ; s already paid to XXXX XXXX XXXX account number XXXX, also paid to XXXX XXXX/XXXX account ending in XXXX three in a federal code B with the Internal Revenue Service since XXXX XXXX XXXX is reporting to all 4 credit bureau 's XXXX balances.fma alliance , ltdXXXX XXXX XXXX is billing me to get money that's not owed, no legal debt.this company got their 1099-c by certified mail.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We recieved a loan modification a couple of years ago. Since then, my mortgage payments have not beed posted properly. My payments aren't credited right, they are often reversed and put in " unapplied funds ''. Late  charges aren't credited properly. I contacted Wells Fargo and had them do 2 reviews on my payment history, to which they claim nothing is wrong but it is not normal to have every mortgage payment to be posted incorrectly until I bring it to their attention. Wells Fargo has been my mortage provider since 2004. We purchased the home in XXXX.2004 for XXXX, had XXXX down. Now I still owe XXXX 15 years later???? Something is WRONG!!! I would like the entire loan looked at for possible fraud, I no longer trust this company due to reaching out to them and them telling me that the posting practices are normal and my mortgage status is correct ... I am not so sure. My late  fees are always included, but never posted. My mortgage payments post to unapplied until I call them to get them credited. I have documented this activity for two years.

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