vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, Equifax is reporting it as US DIST CT, and XXXX is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these  accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX and 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 2019-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
I have been trying to get this debt paid. I owe XXXX approx 10,000 $ for tuition and a Perkins loan. I tried to find a way to pay them and made several payments. They knew I was struggling. I contacted them several times about it. They gave my information to Williams and Fudge, who told me that I owe XXXX. I told them this was the wrong amount and they continued to call me, email me, all hours. They called my family. They told me that I signed the note and that the interest is being compounded DAILY. They threatened me. All I want is to get on a payment plan to reasonably pay back the amount I borrowed. But XXXX in fees is insane. XXXX also won't give me my transcripts so I can find a job in my field until the total amount is paid. I don't know what to do. They tried to force me to consolidate my loan and begin payments right away, even though my loans are in forbearance. The PDF with my name on it was filled out by them. They have my address wrong, because THEY filled it out, not me. without my knowledge. I have asked over and over for an itemized receipt for the exorbitant fees. They said that is what XXXX handed over to them. THIS WAS A COMPLETE LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received collection calls about a XXXX debt from Midland Funding / Midland Credit for about {$1300.00}. I told the person at the time that I don't know a XXXX  debt, that I don't have any credit card debt for that amount, that I have been dealing with stolen Identity and requested proof of debt. 

They told me they purchased the debt and said they would note my account as disbuted, I have never received any documentation. To date I still don't have details. 

In the meantime, I have since found out that my identity was stolen from an anesthesiologist office prior to 2016 and am now a monitoring member of the class action A week ago I was served with a summons that I am being sued for said debt in XXXX county. Today I contacted Midland about the suit and they confirmed that the account is listed as and currently disputed and gave me the Attorney 's office number which I contacted and also explained above, he said he will note the account as disputed, when I asked what it meant for the law suit he just said he couldn't give me legal advise. So tomorrow morning I have to go to the courthouse to file a response over something that was disputed and never substantiated. 

The person I spoke to at Midland today confirming the account is listed as disputed is XXXX XXXX and the person at the attorney 's office was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collections have put an alleged debt on my credit which i have no knowledge of. This alleged debt has already been paid to another collector who the account was sold too. So i cant owe the same debt twice. The document that is attached is the debt collector who ive made payments too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Solomon and Solomon are trying to collect on a debt that is closed. The debt is an old XXXX bill from 2014. XXXX is showing account closed and XXXX does not show it at all. XXXX, on the other hand is showing an open collection. I did try to disputed this with them and got nowhere. There showing an outstanding collections balance of {$2000.00} which is affecting my credit score as Im trying to rebuild it to buy a house. This account should be updated on my XXXX cbr as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: WI

Complaint narrative:
Equifax is refusing to remove FRAUDULENT information from my credit report. This is a direct violation of FCRA 605B, Equifax received my FTC Fraud Affidavits attached to this complaint on XXXX, ( 14 ) days ago. 

FCRA 605B states the following, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt How can a consumer reporting agency blatantly ignore laws they are required to follow? Remove this information now, or I will file suit and pursue this in the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This complaint involves a creditor who is using deceptive practices involving the accrual and collection of interest on credit card debt not earned this year 2019 around XXXX. Synchrony Bank ( aka XXXX 's credit ) - I paid my bill early before the due date and in full. The creditor, however, charged me an interest amount of a little more than {$1.00} through my next billing cycle due date. Basically charging me interest on a zero balance. When I called to complain and request they remove the interest one of the automatic phone prompts was regarding interest due being disputed, which I selected. Immediately upon selecting this prompt, the computer told me my interest due was being waived and my account was now paid in full. My concern and complaint are that by having an auto phone prompt set up Synchrony Bank is knowingly aware of this false and deceptive practice. I believe Synchrony 's hope is the majority of consumers will not take the time to call over a {$1.00} or {$2.00} interest due amount and simply pay it because they are uninformed about what is truly happening. These small interest overcharges will amount to tens of thousands of dollars, or more in extra unearned profit to the bank even if only half of they affected consumers were to call. Please investigate and stop this false debt collection practice. I am sure Synchrony Bank isn't the only credit card company doing this.

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did apply on several companys for credit but they declined to me because insufficient history

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did apply on several companys for credit but they declined to me because insufficient history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The creditor CITIBANK ( aka CITI Simplicity credit card ) wrongfully accessed and attempted to collect interest not earned on a paid in full credit card balance. The CITIBANK Simplicity credit card monthly billing statement includes language that you can avoid additional interest from being charged by paying your balance in full on or before the due date. I paid my balance in full on or about XX/XX/XXXX with the due date of XX/XX/2019. When I received the next months ' statement CITIBANK had charged me an interest amount through XX/XX/2019. Worse case they charged me an overage amount for at least 4 days. Although the amount was small, and less than {$2.00} I still called to complain and requested the amount be waived. The CITIBANK phone representative told me that CITIBANK charges interest from due date to due date. I asked about the language on the monthly statement to which she had no answer or explanation. Although CITIBANK did waive the interest charge in my case this is still a false and deceptive practice which I am sure is affecting the majority of CITIBANK 's credit card customers. If thousands and thousands of consumers are overcharged each month by a dollar or two each month in unearned interest that amounts to millions in false profits to this institution..

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 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland funding garnishment has been paid and satisfied by Midland funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Why does the CFPB and the Federal Govt permit credit card companies from charging interest rates that many would consider to be usary? The Fed Funds rate is currently 2.5 % and the XXXX  Prime Rate is only 5.5 % while many credit card companies are charging rates in excess of 20 %. Is 14.5 % or more over prime really fair? Mortgage companies have rate caps to prevent usary, why not credit card companies? I've seen credit cards with rates >24 %. How can this be permitted?

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 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I discovered last year that I'm a victim of fraud from Bank of America who has been collecting since XX/XX/XXXX for a mortgage loan that they do not own. You can see the various complaints that I filed through your agency to force them to answer my questions. I have just received copies of fake documents with contradictory information. Based in that information I found out that the alleged loan was converted in to a bond and sold to a wall street trust that ceased to exist since XX/XX/XXXX. Furthermore, the alleged pretender lender named in the trust deed was not the lender, the source of the monies. He was a straw man, who received a commission to pretend being the lender. In addition the true source of money for this alleged debt were the multiple investors of wall street trust, XXXX XXXX XXXX, that as I said before do not exist since XX/XX/XXXX, whose investors were paid in full from the insurance, and also from the 30 trades of the same mortgage in a pool. For the above reason, the note and trust deed are invalid, void, because they arised from fraud. 
I'm current in the payments, because I wanted them to negotiate before rescinding the never consumated alleged loan. But Bank of America is not responding to the QWR SENT to them from my attorney. They received the request of information since XX/XX/XXXX, and up to today, they have not responded. Please see the attached QWR that they received on XX/XX/XXXX, and the tracking number from the US Postal services to confirm. Also The subservicers XXXX XXXX, who collected from XX/XX/XXXX to XX/XX/XXXX, and XXXX who collected from XX/XX/XXXX to XX/XX/XXXX under Bank of America are also co-conspirators.

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 2019-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Select Financial Services, Inc.
State: NY

Complaint narrative:
The attorney stole my Marketable Title, took out mortgage and put my name on the IOU. He did this without my knowledge or my consent. The pretender bank is XXXX, and they are calling me, taking me to court for foreclosure

Company response to consumer: Untimely response
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: PA

Complaint narrative:
I was reached out to by a collection agency claiming medical debt from 3 years ago. This collection agency called me on XX/XX/XXXX saying that I owed close to {$300.00} dollars from XX/XX/XXXX for 2 prescriptions. I explained several times that I never received this prescription and that I always pay my pills on time. I reached out the better business bureau on XX/XX/XXXX and explained the situation and they reached out to the company. The company then sent a fake bill with dates that did not match. I reached out to my medical insurance on XX/XX/XXXX where they verified that I never saw a doctor within the time span this was from and nothing was ever submitted. I emailed the XXXX back stating that I never saw a doctor and I also called the number on the " invoice '' they provided me that leaded to a sketchy number with no return call. The XXXX called me this week and informed me the medical company had closed on XX/XX/XXXX and that this seemed to be a hoax. The XXXX informed me I should contact the Federal Trade Commission on this. I went to the FTC website which then has led me here. The collection agency is threatening to report this to my credit on XX/XX/XXXX. Please help.

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 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My mother, XXXX years old, impaired, was a victim of fraud. She went to Citizens and had them attempt a wire to the fraudster. The wire failed, and Citizens knew the reason for failure was high suspicion on fraud as noted by their fraud agent. It was an attempt to wire to a XXXX year old man, whos account was just frozen. Further, they sent this wire, with my mother name and with my name ( now exposing me to this fraudster ). I am a co-signer on her account. They never told my mother of suspicion of fraud, and as she thought they just couldnt do what she thought she needed done ( dire need she was lead to believe to help her grandson ), and she preceded to withdraw her life savings in two {$25000.00} increments. Her initial visit to Citizens was on XX/XX/2019. Follow on visits twice to make these large withdrawals on XXXX and XX/XX/XXXX or there abouts, and at no time did Citizens help or advise her of fraudulent activity against the elderly. At no time did they contact me though, they had no issue putting my information on the attempted wire without my permission. My mother went down the street and made the wires unfortunately. She had never touched her savings before, never did these kinds of withdrawals, never did a wire. Citizens should have been forthright with the info on the attempted wire to alert her or call me to avoid what apparently was obvious fraud to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt.

Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages.

I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.

Company response to consumer: Closed with explanation