vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/2017 I submitted a dispute to Experian. To this day Experian has not responded or investigated the issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation.

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 2018-08-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed this account with Midland regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *Midland is stating account type as factoring on XXXX, open on XXXX  and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to  pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XX/XX/XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. Midland did not oblige. Midland merely sent a statement that did not reflect any comprehensive accounting. 

Midland did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that Midland did not provide any credit card agreements warrant this entry to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: AR

Complaint narrative:
BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX  to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.

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 2018-08-23 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:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

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 2018-08-23 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:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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:
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities  confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Got a notification from Credit Bureaus that a New Collection was added to my Credit Report by the Name : IC Systems Inc XXXX XXXX MN These people claim I owe {$200.00} I have spoken to them in the past about this debt and told them this is not my debt. They claimed I created this debt but I deny these allegations because I have never heard of the company that sent the Debt over to them. This debt was not created by me, I feel this company is out to damage my credit report and my reputation

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 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage 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 2018-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
my wife had 3 XXXX  XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: SC

Complaint narrative:
I have been building my credit for the past 9 years. I have multiple credit cards such as XXXX, XXXX XXXX, XXXX. I have student loans. I have credits on XXXX XXXX etc. 
I have never had a problem when companies ran my credit. 
However, I recently moved to south carolina and when I tried to buy a car on XX/XX/2018 and they said my EQUIFAX report had a hold. 

I called equifax several times, gave them all my personal info, and they said they have absolute no record of me. I then called my creditors to verify the spelling of my name and ssn and they all said that they report to all three credit bureaus. 

I am unable to get electricity in my apt because of this issue, hence I am unable to move, so I have been paying hotel for an extended amount of time. 


I need urgent help please. 


Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Our XXXX XXXX XXXX was repossessed. XXXX XXXX and XXXX gave us a list of things to do to reclaim the car. We completed everything on the list including paying {$210.00} on XX/XX/XXXX. Updating employment and residential information, and securing insurance. We were told we could reclaim the car by XX/XX/XXXX. On XX/XX/XXXX we were then told we had to sign some paperwork and could reclaim the car on XX/XX/XXXX. On XX/XX/XXXX myself and the co-signer went to XXXX XXXX to sign the papers and pick the vehicle up. We were advised upon signing the paperwork that the vehicle would not be released that day due to a clerical error on their part

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: NV

Complaint narrative:
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX. XXXX. I had issues uploading supporting documents to Experian showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet Experien will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If Experian doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now Experian has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.

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 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our mortgage was sold to Freedom Mortgage and shortly after that we sold our home. The process of getting documents and receiving refunds has been horrible. I was charged a fee to obtain my payoff amount, which is probably standard but when we closed before our estimated date, the loan was overpaid by the few days of interest. Because we " OVER '' paid our mortgage they charged us a {$16.00} fee! Why would there be a fee for over payment? To make matters worse, it was a cash sale which funded immediately. From that funding and over payment, the principal balance was paid, interest was paid, and then the extra payment was thrown into escrow. After we received the notice that the transaction was fully funded from the closing company, I contacted Freedom Mortgage to ask about the release of our escrow account and was told it would be almost a month before they would release it. The reason, to ensure funding went through and all fees and interest were collected. I was online looking at my account at the same time as I was talking to the representative and it showed " Paid in Full. '' I mentioned this to the rep and was told there would still be fees to adjust. My complaint is how do you charge a fee for over payment and then not release my money that I have paid in even after the loan was paid in full?! It is a scam to earn interest for as long as they can and get " fees '' any way possible. I would NEVER recommend Freedom Mortgage to anyone and have been very verbal about my situation.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Senior Chase employee contacted me to remove inquiries from credit report ( XX/XX/2018 and XX/XX/2018 ). It was only removed from only one of the major bureaus ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX or before I opened a BOA card for emergencies. I got married in XX/XX/XXXX. I did not realize before marrying this guy he was abusive. He used my card with out my knowledge for years, because I was not allowed to get the mail I did not see the bill. When he maxed it out I saw the bill because he refused to pay it. I called the company and told them what happened and all they would do is set me up on a payment plan. I did not realize I was not liable if I did not authorize him to use it. I thought because we were married there was nothing I could do and they did not tell me I could do anything. We have been divorced not for about 5 years and when I moved out I took only my clothes so my son and I could get away. We moved to another state in hopes he would not follow us. As a result I could no longer pay this bill and was told I should not have to by other people so I decided to not worry about it. When the company called I told them the situation again and they said that I had to pay. I tried to tell them I did not authorize him to use it but they did not care. Now they are suing me. They should sue him for fraud.

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 2018-08-23 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: NY

Complaint narrative:
THIS IS A COMPLAINT AGAINST A COMPANY NAMED XXXX XXXX/XXXX XXXX. THIS COMPANY WAS TOLD AND SHOWN ON NUMEROUS OCCASSIONS THAT AN ACCOUNT THEY ARE REPORTING TO MY EXPERIAN CREDIT FILE IS FRAUDULENT AS I AM A VICTIM OF IDENTITY THEFT I HAVE A POLICE REPORT AND THEY WERE NOTIFIED NUMEROUS TIMES GIVEN A COPY OF THE POLICE REPORT, AND THEY STILL ARE REPORTING THIS ACCOUNT TO THE CREDIT BUREAU. THIS IS NOT MY ACCOUNT IS WAS A DIRECT RESULT OF IDENTITY THEFT I SUSTAINED, AND THEY ARE NOW REPORTING IT IN COLLECTION WHICH HAS DESTROYED MY CREDIT PROFILE. I HAVE ASKED THEM WHIT COPIES OF ALL THINGS THE FCRA TOLD ME TO SEND TO THEM, POLICE REPORT, MY ID, ADDRESS ID, EVEN A COPY OF THR FCRA SECTION 605B, AND SENT IN NUMEROUS COMPLAINTS TO EXPERIAN CREDIT BUREAU. THE CREDIT BUREAU TOLD ME TO SEND THEM A LETTER WITH ALL MY PROOF, WHICH I DID AND STILL THEY HAVE REFUSED. I HAVE NOW SEEKED OUT LEGAL COUNSEL TO POSSIBLY BRING THEM TO COURT IN THIS MATTER. THIS WILL BE MY LAST ATTEMPT TO FIX THIS FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT FILE, BEFORE I GO TO COURT.

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 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have an American Express Bluebird Account. I had two foreign deposits that are missing. I had a deposit on XX/XX/2018 from XXXX XXXX refunding a ticket for XXXX Euros, and a deposit from a job based in XXXX, for {$500.00}, on XX/XX/2018. Neither of these deposits is in my account. Both companies have provided proof that they deposited the money into the proper account, but it has never arrived. 

I have tried to contact Bluebird via their two XXXX numbers provided, and you CAN NOT get a human point of contact, ever. I have literally tried over 20 times to call them. I then tried the American Express headquarters and they stated they do not handle Bluebird, and gave me the XXXX number I previously attempted. When I told there is no human point of contact, they apologized but offered no solution. 

I sent Bluebird several emails via their customer service email address. They did not return or acknowledge them. 

I sent them a letter via USPS mail. I have heard nothing. 

I sent them a XXXX via their customer service XXXX forum. They did not acknowledge it. 

I want my money returned. They have not acknowledged my complaints and completely ignored me, and not offered proof of where this money is, and the other two companies have offered proof of completed deposits to my bank account, but Bluebird has taken illegally taken that money and will not acknowledge my complaint. I either want proof of where the money is or irrefutable proof it has been returned to the other companies, who are showing proof it was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.

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 2018-08-23 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: GA

Complaint narrative:
On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.

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