vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: PA

Complaint narrative:
After reviewing my credit report, I notice a few tradeline accounts that were not removed from my credit report. 

On XX/XX/2019 a claim was submitted to the CFPB claim # ( XXXX ) for fraud on XXXX. After a review with the Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX. It has come to their determination that Based on a preliminary investigation, FedLoan Servicing submitted a request to the nationwide consumer reporting agencies to remove the loans from my credit report per their full investigation. 

As of this XX/XX/2019 these trade lines still appear on my credit report with equifax. 

Please email me proof that these items were deleted from my credit report. 

XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
The debt showing on my credit report by XXXX XXXX XXXX and Capital Accounts LLC are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: CA

Complaint narrative:
sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019 THEY CALL 10 TIMES A DAY AND ONLY WANT CREDIT CARD NUMBER OR CHECKING ACCOUNT NUMBER FOR PAYMENT WHEN I TRY TO GET MORE INFORMATION ON ACCOUNT THEY HANG UP ON ME. I SENT DEBT VALIDATION LETTER NO RESPONSE BACK. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.

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 2019-09-14 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:
XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.

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 2019-09-14 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: MRS BPO, LLC
State: PA

Complaint narrative:
I had 2 accounts with XXXX, my local electric company. I was behind on one but trying to pay the other. I contacted XXXX on XX/XX/XXXX to make a payment. They said I needed to pay XXXX . I asked if that included the other account balance because it seemed an unusually high payment. The representative told me yes, when my other service was discontinued the balance was transferred to this account, so I authorized an electronic check over the phone for XXXX . When I applied for a mortgage on XX/XX/XXXX I was told a collections account had just been reported on my credit report that day from MRS BPO for XXXX and my score had dropped 90 points disqualifying me for my mortgage. I had checked my credit report XX/XX/XXXX and there was no collections activity reported. I contacted MRS BPO where representative XXXX XXXX told me they had no record of an account for me. I contacted XXXX and explained I was informed this debt had been included in my XXXX $ payment. XXXX said " they were sorry I had received misinformation from their representative, but the debt was not included and they werent certain if the error could be deleted from my credit report '' and I should contact MRS BPO again. I contacted MRS BPO a second time and representative XXXX XXXX now said I did have a collections account with them but they did not have a policy of deleting information from credit reports even if the account was placed in collections in error as a result of misinformation on the part of the original creditor, and I should contact XXXX to resolve the issue. I contacted XXXX a second time and explained MRS BPO did not have a policy of deleting information from credit reports and I should contact XXXX about the issue. XXXX said they would withdraw the account from MRS BPO so I could pay the XXXX $ balance with another electronic check, and they would contact and explain the issue to MRS BPO and call me back. This was all on XX/XX/XXXX. XX/XX/XXXX XXXX contacted me to report they had emailed MRS BPO and explained the account was placed in error as a result of XXXX providing me misinformation. XXXX also reported MRS BPO had agreed that on Friday XX/XX/XXXX in their weekly update to the credit bureaus they would indicate the account was paid in full and they would include a comment on my report stating the collection account was placed in error, but would not delete it. Having just checked my credit report neither of these actions occurred. Information for both companies is as follows : MRS BPO, L.L.C. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Electric Utilities XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The debt showing on my credit report by Phoenix Financial Services and XXXX XXXX XXXX are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi, I disputed charges with Banana Republic credit card, and they are charged through Amazon and XXXX. These charges were dispute about two months ago, and I have periodically called Banana Republic as to where I can submit additional evidence to support my claims, and they told me they would contact me when they needed something. I also called last month asking the same question where I could send additional evidence, and they told me the same response. Today I called again, and they told me the disputes were favored to the merchant. I asked to re dispute, and for them to show me the documents that they received because I did not receive anything. Then, I asked them if AGAIN, if I could please send them information because I have not received anything through the mail, email, or phone calls. They basically decided the disputes against me without listening to my side, receiving my evidence, and not even notifying me of what they needed. Again, I've done my due diligence by reporting the charges and asking where I can send my evidence, and they told me the same thing every time I called. I am requesting the documentation they made their decision with, and to redispute the charges and credit my 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 2019-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account for almost {$60.00} I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA will not give me a refund because of Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no 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 2019-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
I had a loan with Pioneer lending as a young soldier in the military. I deployed into a XXXX XXXX for XXXX months and became XXXX XXXX. When I contacted this company to tell them about deployment so that SCRA protections would fall into place, they never took action. When I became XXXX serving my country, the company did not look into the " XXXX protection '' on my account- when my Wife made them aware of the XXXX blast. Instead, this company continued and still continues to hike on excessive interest rate- for years. To the point that this company now reflects a {$11000.00} balance on a debt that was originally {$4100.00} written off after I became XXXX. That is {$7400.00} added to the initial balance. How is that legal, when there is a cap on interest rate so that soldiers are protected from companies like this? Why was my XXXX protection that I paid for monthly, not used when I became XXXX? This company is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Missouri XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX does not have an open case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TX

Complaint narrative:
I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXXor XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company? ; no one knows. They are double dipping which is against the law and IRS standings.

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 2019-09-14 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: TX

Complaint narrative:
I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TX

Complaint narrative:
I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: PA

Complaint narrative:
i bought a used truck and financed through keybank on XX/XX/XXXX. i refinanced through my credit union and the loan with keybank was paid off on XX/XX/XXXX. there was to be a scheduled payment on XX/XX/XXXX with keybank and i checked on XX/XX/XXXX and the loan amount was XX/XX/XXXX. it also said no payments scheduled. on XX/XX/XXXX they took {$1000.00} out of my checking account. the first time i called they said it was my credit unions fault and the money should go back in because there is nowhere for it to go. my credit union said the problem is with keybank. i called keybank again and they said they will look into it and call me next week

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My consumer credit report has a collection trade-line from Midland Funding in the amount of {$740.00} and the original creditor is entered as XXXX XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent Capital One several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

Company response to consumer: Closed with explanation