vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.

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 2018-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
File Number : XXXX Dispute Date : XX/XX/2018 Report Date : XX/XX/2018 TransUnion 's reply to my dispute was as following quoted : We investigated the information you disputed and updated : Not specified. TransUnion allegedly re-investigated my dispute without verifying the disputed information with XXXX XXXX XXXX XXXX ( the data provider ). TransUnion failed to comply with 15 U.S. Code 1681i ( a ) ( 2 )  ( A ) before the expiration of the 5-business-day period beginning XX/XX/2018, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX. As a consequence of TransUnion 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until TransUnion reports my dispute to XXXX XXXX XXXX XXXX. TransUnion 's re-investigation of my dispute was unreasonable. TransUnion persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX account. The inaccurate information being reported by TransUnion has been seen and used by one of my creditors to significantly drop my credit score.

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 2018-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian mailed me a credit report dated XX/XX/XXXX. I went online to dispute a charge and noticed 2 collection accounts with XXXX XXXX from XXXX that had been removed 4+ years ago reappear or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report from 4+ years ago. Hence this item reports to fall off my report XX/XX/XXXX. This now bring my score down lower. I ask that you please review my case and have Experian remove negative collections from my report only to reinsert years later without notifying consumer.

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 2018-03-27 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: NE

Complaint narrative:
A dealership ran my credit without authorization. I had original creditors do an investigation and they found they need to be removed. Bureau is still reflecting incorrect inquiries after myself and creditors have asked for them to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with 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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/2017. Regarding a Medical Debt. I have no prior knowledge of the account in collection. I have no relation to this account. A medical bill in 2017 will need to be disputed. Please respond within the 14 days. thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am repeatedly having problem 's with Experian, investigating and deleting this fraudulent address from my credit file. I have contacted Experian several times requesting that they investigate a fraudulent P O Box address listed on my Experian Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my Experian Credit report is attached to this address. This is not nor has it ever been my address.

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 2018-03-27 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: U.S. BANCORP
State: NE

Complaint narrative:
I had an unauthorized inquiry from a dealership, i sent in proof to company and they still have not removed the hard inquiry

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 2018-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: FL

Complaint narrative:
I receive a letter from A.R.C Accounts Recovery ( U.S.A. ) Corporation LLC dated XX/XX/2018 claiming that I owe the XXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX XXXX ). I have been in the US for 15 years and have never done business with the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted over 3 disputes/letters to Equifax, XXXX, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state UCC 11 which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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 is incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax stated I was deceased when I applied for a credit card. I had to get XXXX to correct it. I got a rep. on the phone from XXXX. 
after a series of? she checked my records and determined I was indeed alive. Then she called Equifax and we had a 3 way talk. After security questions from Equifax, they said I failed the test! They ask me questions about loans I had and banks that gave them. I have not applied for a loan in over 5 years. I have no idea what info they have that I answered wrong? But I believe their info is wrong, just like the info that I'm dead! I get credit reports from XXXX & XXXX. and I have no problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in 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 2018-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Illigally opened Credit Disputes that I didnt authorize.

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: MD

Complaint narrative:
I am repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My payments continue to increase every month on my house payment. First, they said it was the escrow, but when I call my insure. person and the tax building nothing had gone up. Then, that mortgage co ( XXXX ) sold my contract to SPS, the first payment to be made AFTER XX/XX/2017. My payments are due on the XX/XX/XXXX of every month so I sent my XX/XX/XXXX. payment to XXXX. The New company SPS, harassed me on that 1st payment and has added a XXXX charge ... I wasnt late. I also, sent to them the check that cleared to XXXX for the XX/XX/XXXX. payment. My payments have gone from being XXXX to over XXXX per month now! something is not right! Can you please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: GA

Complaint narrative:
On XX/XX/2018 I received a letter from Equifax stating they had placed a fraud alert on my credit reports by my request. I was baffled because I did not send anything to Equifax that required putting a fraud alert on my file. Earlier in the month, I sent in a credit dispute but didn't ask for a fraud alert. It appeared someone misinterpreted my credit dispute letter and took it upon themselves to place a fraud alert, which has caused so much confusion and stress on me with creditors calling, sending massive mail correspondence asking for a police report. Equifax fraud department even sent the other bureaus this alert and now it's a bigger mess with them locking down my files. 

I've sent Equifax a letter asking them to remove this along with a letter from XXXX XXXX that states that they did not see any signs of fraud on my account. 

I'm hoping they can resolve this issue quickly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Hello, My mortgage company, Mr. Cooper Mortgage, moved me to a lender forced homeowners insurance policy XXXX XXXX XXXX XXXX ) in XXXX of 2017. I first discovered this a few weeks ago when Mr. Cooper had sold my mortgage to XXXX XXXX. When reviewing my new bill from XXXX XXXX, I noticed that my escrow account had a shortage of {$2700.00}, and my monthly mortgage payment had gone up by {$390.00}. Six months had gone by without me knowing that I was placed in a lender forced homeowners insurance. 

I contacted my insurance agent at XXXX XXXX and he said nor him or his company had ever received any communication regarding insurance verification from Mr. Cooper Mortgage. XXXX ( my insurance agent ) and I called Mr. Cooper Mortgage company together and a representative from their hazard insurance center stated they made two attempts to call XXXX XXXX to obtain a declaration page and verify my homeowners insurance. Those attempts were apparently made on XX/XX/XXXX and XX/XX/2017. However, XXXX and XXXX XXXX made it very clear that no communication from Mr. Cooper, written or verbal, was ever received. The Mr. Cooper Mortgage rep then stated on a recorded line : We have documentation in our system that states the calls were disconnected. We asked for documentation of the two attempted phone calls and Mr. Cooper Mortgage was not willing to provide it. We also asked if the calls were disconnected, why didnt you try calling back? The rep did not have an answer for us. XXXX further added that nor him or his company would ever verify someones insurance over the phone, that it always has to be done in writing for documentation purposes. And because Mr. Cooper stopped paying my XXXX insurance policy, XXXX dropped my coverage. So unfortunately I cant provide proof of insurance since there was a laps in my coverage. 

The Mr. Cooper Mortgage rep also stated that a letter was sent to my home to notify me of this change in insurance which I NEVER received. The lender forced insurance they provided me was {$2700.00} annual, which was almost 4 times the amount I was paying for my previous policy through XXXX XXXX. This is price gouging, bad business and Mr. Cooper Mortgage clearly has an interest in moving their customers to their lender forced insurance partner. And both companies happen to be located in XXXX, GA. 

Mr. Cooper Mortgage made little to no effort to verify my insurance or notify me of my laps in coverage. They are intentional with their poor insurance verification process and are taking advantage of their customers. Now I am stuck with a massive mortgage payment and 6 months of lender forced homeowners insurance that I never authorized or knew about in the first place. I am not an insurance expert, but I know that I am not at fault here. I feel very taken advantage of and wish to file this complaint against Mr. Cooper Mortgage regarding their manipulative business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX works with a company called XXXX to send money. 

When set up, I was assured that I could send {$1200.00} a month to my landlord. 

Today I could not. I was told that my limits were lowered and was unable to send it. 

Apparently capital one does not have to notify you if they change your limits and there is no way to raise the limit to the monthly promised amount due to security. 

Now I can not pay my rent on time due to this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: UT

Complaint narrative:
There is a medical bill that is fraud on my credit! I reported it to police and submitted all reports to all credit bureaus. equifax has not removed it! XXXX and XXXX have already removed it. its XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation