vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.XXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.SANTANDER CONSUMER USA {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6XXXX XXXX XXXX   {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXXXXXX  {$240.00} DATE OPENED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.

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 2019-09-25 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: FL

Complaint narrative:
since XX/XX/XXXX I've been a victim of Identity theft I also was robbed of my Identity when I was moving out of a home in XX/XX/XXXX I filed police reports about both incidents so I been disputing inaccurate information that's being reported on my credit report by all 3 beaus and they refuse to remove them from my report I've disputed also with the creditors and they have not responded to my disputes. Bank accounts has been opened in my name with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, accounts with XXXX XXXX, XXXX, XXXX and XXXX I've disputed all these accounts and I reported Identity theft with the FTC, XXXX XXXX and XXXX County Sheriff Offices, You guys are my last result before I lose my mind about this so please help me to resolve these issues an remove the from my credit and Banking reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NJ

Complaint narrative:
I requested a mortgage payoff statement with Sterling National Bank by calling their mortgage services line on XX/XX/2019. I asked for the amount over the phone but they said they can not give me that information over the phone. I then asked them to send the info through the mail. 
By the beginning of XXXX, I still hadn't received a copy of it ; however, they did send out their monthly bill for XXXX. When I called on XX/XX/XXXX, they said that it shows that their system did generate a copy and was sent. I have been monitoring the mail daily since the request and thought that it was strange that I received the monthly statement but not the payoff statement. 

When I spoke to the representative ( XXXX ) by calling the mortgage services number again on XX/XX/XXXX, I requested the information over the phone so I can prepare the amount. They said they can fax it to me but not send it through email or give me info over the phone. The only option is to send it through regular mail. I do not have access to fax. I went ahead and requested this statement again for the payoff date of XX/XX/2019. Today is XX/XX/XXXX and I still haven't received it. 

I have since then received the regular monthly payment statement. I find it odd that I've requested this twice and they still have not successfully sent this to me. I question whether they are ignoring my request and not sending this to me. 

Under federal law, the servicer is generally required to send you a payoff statement within seven business days of your request, subject to a few exceptions. ( 12 C.F.R. 1026.36. ) Because you havent received a statement within this time frame, I called them and told them that I still haven't received it and that I'm officially sending them a notice of error to the servicer asking it to provide the statement. 

I don't think they want me to payoff my mortgage and continue to receive interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX Originator on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.

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 2019-09-25 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
I am extremely frustrated with Experian, and their customer support system. I have an Experian account which I was trying to log into. I know my username/password/security questions. The system asked me for a 4 digit pin. I tried a few times and wasn't successful. The website gave me a number to call in order to get assistance. That phone number never connected me to a human being, even though I put all the data that was requested of me. What's more, the automated phone system did not resolve my issue, it allowed me to change my password, but it didn't allow me to change or obtain the 4 digit pin code. When I tried to log back in online, it just said contact this number and round about we go. There is no physical way to contact customer support directly from the numbers provided on Experian 's website. Even tried different menu options, different numbers I found online. It's outrageous that I have such a simple issue that I needed fixed and I can not do it online, when I call, I can't resolve over the automated system, and there's no way to talk to a live 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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After doing several disputes with Experian, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky 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 2019-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I was called XX/XX/2019 from an attorney that if I wanted him to represent me because I was being sued which I didnt know about and I had to appear in court XX/XX/2019 at XXXX XXXX. I told him I wasnt aware of the court provided me with the name and number of the company that was suing me. I called them and this lady XXXX was really rude yelling at me she wanted me to pay almost 900 upfront so they wouldnt take no legal actions I said I dont have the money right now so she put me on hold supposedly talked to her manager in less than a minute and told me if u could pay XXXX every two weeks for three months and my debt would end I asked her what was the total she didnt answer me asked her if I could have a paper of the amount no so what can I do now? I did get scared so I paid XXXX  dollars today can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2019-09-25 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: SC

Complaint narrative:
I emailed regarding a late payment that was made. Requesting a 'goodwill ' adjustment because it was reported to the credit bureau as a late payment and we have been working our butts off to pull our credit out of the gutter and restore it from bad choices made as kids. As seen by my 17 % interest rate we really need this adjustment made. We have made all other payments ON TIME or BEFORE the due date and to be told that this will not be adjusted off is very discouraging. 

My husband pays all of the bills in our household and he was out of work for ONE MONTH with XXXX. I can provide all of the supporting documentation needed for this. I have reached out to the lender letting them know we had a financial hardship and our timely payments prior to this matter should have been more than enough proof of that. In turn I received what seems to be a pre-generated response : We have received your request for a goodwill modification of the account information on your credit file. While we are sensitive to your request, due to our commitment to furnishing accurate information, we are unable to grant your request for a goodwill modification. That being said, if you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, please send us a dispute notification indicating the specific information that you believe is inaccurate along with any relevant information that supports your dispute. The dispute notification should be sent to First Investors Servicing Corporation, Attn : Compliance Department, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX. 

Please assist us in this matter. 

Thank you.

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 2019-09-25 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: OR

Complaint narrative:
My mortgage company, XXXX, now filling bankruptcy, misplaced my mortgage payments for most of XXXX and reported information to the three credit reporting companies that I was past due for a good share of that year. I contacted the three credit reporting companies and filed a dispute. XXXX  and XXXX  removed the reports from XXXX that showed payments past due but did not change my credit score back to where it was prior to XXXX erroneous reporting. Experian did not correct the past due notation on the XXXX account even though I sent them copies of my bank statements showing that I had made payments on time for each month in XXXX and XXXX. In fact I have never missed a payment since the mortgage loan was taken out. This has not only caused me a lot of grief but has also cost me money in the form of increase interest rates with my other lending institutions.

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 2019-09-25 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: CA

Complaint narrative:
I tried reaching out to the debt collection company named XXXX XXXX XXXX XXXX via mail & phone and none of their methods of communication seem to work. I have sent debt validation to all the addresses via certified mail with no response. I disputed the information with Experian and the account comes back as verified. I asked Experian to provide me the method they contacted the data furnisher so I can request the validation of the debt and they said they would not provide it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: NY

Complaint narrative:
Incorrect information on my credit report

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