vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: EOS Holdings, Inc.
State: GA

Complaint narrative:
I I contacted EOS CCA ( Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX ) was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, Mr. XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency XXXX  got it and still would not remove it. I know the phone call was recorded and I let XXXX  knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep EOS collection on credit score remains. This is not right because I feel as though EOS CCA LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at EOS CCA did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with XXXX  is not helping AT ALL. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have three allegedly open collections accounts on my Experian credit report from XXXX. XXXX, XXXX that I disputed years ago with XXXX and XXXX   that I have been trying to remove from my Experian report. I disputed these accounts with XXXX  and XXXX  that fell off due to not being able to validate the debt. Experian is not letting me dispute these accounts again when I do not know what these accounts are for. I do not remember incurring these charges with the original creditors. I also have an outstanding collection from XXXX XXXX, another I do not know what it is for, on Experian, which has been successfully removed by XXXX  and XXXX  for failure to validate the debt. I would like these taken off my Experian report as they have been deemed invalid by two other bureaus.

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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: OR

Complaint narrative:
So I noticed a collection account on my credit report. So I called the collection company ( XX/XX/XXXX ) they told me the amount due if I didn't plan to continue the college course would be XXXX. ( Talked with XXXX Ext XXXX ) Over a week has past and the payment was reported to the credit bureau but still had the original balance as if I would wanted to finish the college course. I called again today ( XX/XX/XXXX ) and they said they never told me that amount, and that I still owed more.

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 2020-03-30 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: IL

Complaint narrative:
Tried five times to freeze account since XX/XX/XXXX both online and then by calling the telephone number they sent me via usps mail. Froze both the two other bureaus within 5 minutes. 
Currently been on telephone hold with Equifax for one hour five minutes on the number they gave me and still waiting. This company should not be in business in U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TX

Complaint narrative:
I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( Experian, XXXX  and XXXX  ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.

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 2020-03-30 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.

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 2020-03-30 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.

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 2020-03-30 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: TX

Complaint narrative:
I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, Transunion and XXXX ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.

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 2020-03-30 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: TX

Complaint narrative:
I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, XXXX  and Equifax ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We charged to our account cabinets for our home on XX/XX/XXXX. The cabinets arrived heavily damaged and not as described. Original Charge was for XXXX. After countless emails and calls with the vendor they promised to credit us for the issue and replace the damages. We want back and forth for weeks and they never followed up on there promise that we have in writing in an email. We turned to BOA to file a dispute for an items not as described. We started our investigation with BOA and provided them all the details. We only disputed XXXX of the charge to cover the damages and the issues with the merchant. BOA at first denied our claim saying we provided the incorrect information. We called then back at once and wen over the information they requested. The rep said they made a mistake and the claim was reopen again. Fast forward 1 month and we got a denial letter again from BOA. This time they stated they needed a complete part list of the damages. We provided that to them within 24 hours. A full detailed list on what parts were damaged. They would not accept pictures to prove the damage. The claim was open again. Fast forward to XX/XX/XXXX and the claim was closed for a third time. I was on the phone for over an hour until I got transferred to a rep in Florida who handles these cases. She told me she would send me the documentation but we lost the claim with Visa and I need to take the merchant to small claims. I asked the case to be forwarded to the executive team and she also refused. On the phone she claimed there was nothing I could do and they lost. I am very disappointed with Bank of America. I feel they let me down and my claim from day one was not handled properly. Low level reps who handle these claims made incorrect decision 's. On a letter dated XX/XX/XXXX From Bank of America the letter stated the reason we lost the claim was We Didnt Receive specific Cancellation information or Documentation that was requested. They also claim we did not contact the merchant to attempt a return of the merchandise or request that it be picked up and that is a 100 % False. We requested that info several times and the Merchant denied our requests to return. We also have in writing the merchant agreeing to compensation for all the problems. We want the entire case reviewed from step one. We feel BOA handled the claim incorrectly and did not represent us in good faith to get the matter resolved, We spend thousands on this card because we thought we were protected for matters like this and BOA did nothing but let us down. Please advise on what can be done. We will attach our letters to BOA regarding this claim.

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
My mortgage company, Dovenmuehle mortgage placed an escrow of {$940.00} on my monthly mortgage payment. I've been paying {$2100.00} monthly with no problem. I pay my homeowners insurance and property taxes myself, so there is no need for Dovenmuehle to do so. When I saw it on XX/XX/XXXX, I let them know and submitted proof of insurance to their insurance department, and asked them to re-adjust my payment back to the original amount. They said they would take care of it. They have not. 

I have called or emailed them repeatedly since then ( at least 7-8 times ),  and have not had any resolution. They've said they would call me back, but no one has. I have gotten collection calls and emails from them, however. 

I understand this is a difficult time, and we all need to be a bit patient. I'm very concerned, however, that they will send me to collections and foreclosure. I've never missed a payment, and I intend to continue with my payments as is. Unfortunately, Dovenmuehle is a misery to work with. I shouldn't have to pay for their negligence. 

For the record I have reached out via email : - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 - XX/XX/20 I have called approximately 12-15 times during that time as well. 
Their collections department has called me once, and I have received a collections email from them on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CO

Complaint narrative:
I need Equifax to release my credit report to a mortgage broker asap. However, they refuse to either temporarily thaw the freeze I placed on my CR 11 years ago or give me a 4 digit PIN to give my lender in a timely manner. They needed a week to mail me an access code for their online service which did not work. Now they need me to fax more identification again, even though it has been less than a year since I mailed them the same ID so they could mail me a free credit report ( which I received last XXXX ). They say they need 10 business days to process this redundant info, and then I will need to call them to see if they received it to request a thaw. I called them several times today to inquire about the process. The reps I spoke with couldn't help or cut me off, and I didn't get answers to questions like how I could do this online ( for speed and security purposes ) and if there was a way to know if and when the freeze had been lifted. The last time I called I waited for 2 hours and 20 minutes before I had to hang up. That was after being on the phone with them first for 45 minutes, and then almost 2 hours when a rep said he would put me on hold to " check if he could find the ID 's I sent to them last year '' but after 15 minutes on hold the line went dead and no one called me back! 
The only reason they could give me for why I had to keep reconfirming everything on paper ( by snail mail ) despite having the same name, address, DL, SS #, verification codes, etc for more than a decade was that they didn't keep my records! This is unacceptable. It shouldn't take weeks and weeks to get my credit report to a specific lender during a financial crisis. Nor should it take multiple phone calls and hours and hours on hold trying to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I called Carrington Mortgage to see what is my pay off balance since my last payment would be on XX/XX/XXXX @ {$240.00} which would mean in 13 months the total would be {$3400.00} and they gave me an amount that is much more than what is should be. {$9400.00}. The company told me that I had a loan consolidation that I had taken out from the company that they purchased the loan from. I asked them to send me the paperwork but they never did. I contacted XXXX  XXXX XXXX, who sent paperwork that said I have never consolidated a loan and forwarded Carrington a copy on XX/XX/XXXX. XX/XX/XXXX is a dated letter that I received with the original loan papers and a letter of apology with a promise indicating that they would straighten it out for me and send me the correct amount. They still have not corrected my loan pay off, it's reading the same larger amount. Trying to reach them by phone is very difficult at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On Saturday XX/XX/2020 someone accessed my account without my knowledge and attempted to send themselves money through XXXX with the name XXXX XXXX. On Sunday XX/XX/2020 I called USAA and informed them, they told me that my account had been compromised and that they fixed it. Later that day my account was once again compromised and a deposit of {$2000.00} was made. The person was named XXXX XXXX, they sent themselves {$330.00} through XXXX once more. The moment I realized someone was in my account I called USAA in tears. The created a fraud claim and told me to call back on Monday XX/XX/2020 at XXXX my time for an update. I called today Monday XX/XX/2020 and was informed that the fraud department found that it wasnt fraud. I was then told to create a dispute because the person on the line didnt understand how it wasnt fraud. I was then on the phone with USAA for an hour and a half being transferred by multiple people just to be told that they will open yet another fraud claim as well as a dispute. Before this my account had {$140.00} my account now has - {$190.00} that I can not afford due to being laid off cause of COVID-19. They told me it would take YET ANOTHER 1-2 business days to figure out what has been happening. USAA has been no help throughout this and has put me through more emotional damage and trouble than the initial experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
To whom it may concern, Regarding a fraudulent reliacard through U.S. bank put in my name by someone to claim my unemployment. The card stated in the letter is a different card number then my original card number. The one in the letter is card ID XXXX it is a fraudulent card being possibly used by someone else trying to claim my unemployment. Please investigate this and cancel this card for me. As the company US bank will not answer there phone. They pick up line after animated computer picks up then it stays silent with no recording of being on hold or taking a message. 

My email address : XXXX XXXX XXXX. 
If I can I will send you a copy of this letter. 
Thank you for your time and patience. 
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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, XXXX XXXX XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, Capital One Auto Finance. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, Westlake Financial Services, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/Westlake Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.

Company response to consumer: Closed with explanation