vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: MO

Complaint narrative:
Update XXXX  and XXXX removed. Experian has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in XXXX so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Experian has not and now they have stopped me from submitting further disputes on the issue.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
After putting a complaint with cfpd I received a call 3 days later. They said they will review it. Week late someone from the pmi dpt called me and left a message and gave me a phone number to call them back. I couldnt get a hold of them after multiple tries. Finally I called their customer service dpt and they told me that their decision stands without explanation. I wasnt even given an option on how far I was to have my pmi removed, an option that would allow me to put money toward my balance so I can have it removed. Again all they care about is to make me pay my pmi as long as they can. Bad business. I will not recommend loan care services to anymore base on the way theyve handled my situation. Theyve cared less

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 2019-10-08 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: AR

Complaint narrative:
As a result of your findings. I still have not received any contract and/or agreement with my signature on it. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX  XXXX XXXX XXXX Or Delete It! 
" DELETE XXXX XXXX XXXX '' Or Delete It!

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 2019-10-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted this credit reporting agency on several occasions disputing information that they can not validate. I have provided proof that this information is not mine. The representative stated that information is recieved electronically and they only report what is electronically sent not validating information. I have disputed incorrect information for a few years and not getting results. Public records, collections and incorrect addresses have been disputed multiple times but remain reporting without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Account has been closed in XXXX of XXXX. After looking at my reports it shows late payments in XX/XX/XXXX. If an account is closed and 0 balance in XXXX, how can you reopened an closed account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In response to several complaints I have filed against Chase they now are claiming, in a letter dated XX/XX/2019 they did not receive my XXXX payment despite the fact that the payment cleared my account on XX/XX/2019. These people really are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with LexisNexis and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: FL

Complaint narrative:
In XXXX XXXX I've received a letter from XXXX XXXX XXXX XXXX about a VA mortgage refinance offer and a gift card. We are on the market for refinancing so I gave them a call to inquire about their product/offer. The name of the agent I talked to was XXXX XXXX. I called him on XXXX. I gave him all our personal information he needed in order to run our credit report and work on his offer. Including social security #, home address, names, phone, email everything. He sent me an email that he would reply me soon. I've never heard from him after that. I've emailed, called his number several times, I also called the company 's main number I wasn't able to talk to anyone. His number is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Signed for a loan through a pet store to replace my wifes deceased dog. Original amount was XXXX. In 8 months I have paid about XXXX dollars on the principal balance. Interest is XXXX percent. If I paid within three months of signing I would have paid the principal plus XXXX dollars and would be charged no interest. Some things happened that didnt allow me to do that so the interest started and so far Ive paid XXXX dollars and sill owe XXXX. Every payment has been made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted this credit reporting agency on several occasions disputing information that they can not validate. I have provided proof that this information is not mine. The representative stated that information is recieved electronically and they only report what is electronically sent not validating information. I have disputed incorrect information for a few years and not getting results. Public records, collections and incorrect addresses have been disputed multiple times but remain reporting without validation.

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 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hey, I am have serious trouble accessing my funds at any Bank of America atm. I tried taking out {$500.00} from my Bank of America Checking account around XXXX on XX/XX/2019. The transaction didn't go through and the atm said that I needed to verify my identity by calling the given number. So, I called and verified my identity. Then a few minutes later I tried making the same transaction again but was given the same message. I thought that something must be wrong with the atm so with no luck, I even tried using another atm at the same Bank of America branch. Frustrated, I just went on with my day, went to work and before coming back home at around XXXX I tried once more to get the same amount ( {$500.00} ) out of a different atm but failed again getting the same message again that they had put restrictions on my account. I got in touch with them once more somewhere around XXXX same day ( XX/XX/2019 ). After waiting for more than 30 minutes and explaining my situation to two different persons, I was finally told after verifying my identity AGAIN* that my debit card was now unlocked and I could use it at an atm. I went out and tried to make the same {$500.00} transaction that I had been trying to make for the last 12 hours but failed to do so by getting the same message. ( Keep in mind that I had more than enough funds in my account to go ahead with the transaction. )

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I received a call from this business this evening from a Georgia number. I am assuming that this number is spoofed since they asked me to callback a completely different number. I was at work so I did not immediately answer. I later received a call from my mother who explained to me that they left a voicemail with an account number while informing her that this was a debt collection call. They left the same exact recording that I received which included an account number and the fact that this was a debt collection call. 
I called the phone number on the voicemail and spoke to a representative that was very rude and unapologetic. She said that she has just received my account but when I asked why they had called my mother they said that they had been trying to call me for a year. My complaint is that they not only are using harassing methods of contact, they are not giving me any opportunity to call back without first calling my family. As the operator said, they " just got my account '' so there was no reason to contact other phone numbers. Additionally, they are illegally leaving account information on my family 's voicemails. The company also threatened that the will no longer use " voluntary '' means of communication. I am not sure what that means but it is also illegal. Finally, when I advised that they no longer had permission to contact my family, the representative ( Mrs. XXXX ) advised that they have every right to continue contact with my family. Since they have already reached me, this is incorrect and illegal. Since the debt collector continued to talk over me I disconnected the phone call. 

I am attaching the voicemail that was left on my and my mother 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
The company called First Franklin Financial services in XXXX LA on airline Hwy threaten to garnish my wages. I never got a loan from this company.never signed any paperwork I think this is my ex husband debt I been legally divorced for 2 years. I have no loans with this company.

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I sent two certified letters to Security Credit Services one requesting debt verification and the second letter requesting removal of the debt due to no verification being provided to me. It has been over 30 days & this company is continuously providing false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have a loan with the lender, and I was attempting to pay the loan off early with their online services. I have had the loan on auto draft payments since the birth of the loan. The loan was acquired in XXXX through one mortgage company and then transferred to Carrington a few years ago. I have never had a late or missed payment until this alleged " missed '' payment. In early XXXX of XXXX, I made an additional payment on my loan and paid the max payment I was allowed to through their online portal. The payment was in the amount of {$9900.00}. Then on XX/XX/XXXX, I put in a request to increase my loan payment by {$1000.00} a month in order to pay the loan off faster. On XXXX, XXXX the auto draft payment was confirmed, and Carrington notified me that the new auto draft amount would start XX/XX/XXXX. I believe there must have been a glitch in their system, and the XX/XX/XXXX auto draft payment was cancelled. Between the {$9900.00} payment and the request to increase my monthly payment, the system suspended my auto draft payment for the month of XXXX. I did not suspend the payment. Carrington said they mailed me a letter on XX/XX/XXXX notifying me of the missed XXXX payment. I did not receive this letter. Since XXXX of XXXX, I have made additional extra payments on the loan. At some point, Carrington must have applied money from my additional payments to the " missed '' XXXX payment, therefore no other attempt was made to contact me regarding the missed XXXX payment. I was not made aware of this issue until last month when I was attempting to take out a loan. My loan officer notified me of an issue with my credit score, and this is how I found out about the issues with Carrington. I have attempted remediation with Carrington, and I have requested that they withdraw the negative report sent to the credit bureaus. They have refused to remove the negative information sent and claim that I am still at fault for the missed XXXX payment. I am distraught that my attempt to be financially responsible has resulted in a bad mark on my credit score that will haunt me for the next 7 years especially since this was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Checkr, Inc
State: OH

Complaint narrative:
I received a check from the XXXX v checkr settlement fund. I'm just getting around to opening my mail due to being out of the country and the account this check is from is now is closed. check no : XXXX routing : XXXX account : XXXX is where the check was issue from. I have written the company and have not heard a response. The check was returned by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt.

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 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/2019 I attempted to send money to my husband the amount of XXXX using Zelle. The transaction was delayed for some unknown reason, when I noticed an hour later that the money had never been received by my husband I contacted Zelle, the representative told me because there was a glitch in there system it canceled the transfer and the money would go back into my account the next day. Well the next day came no money. I called them again and they said it depends on my bank who by the way is XXXX XXXX XXXX XXXX. So I called them and they said sometimes it can take up to 3-5 days so again I waited no money. I decided to do a claim with my bank at this point because Zelle is saying that my bank is holding the funds and my bank is saying Zelle never released the money back to them. I filed the claim on XX/XX/XXXX and was told by my bank to wait 7-10 days as I did on the 10 day I called my bank and to my surprise they hadnt even started my claim stating that I never attempted to reach out to Zelle, no one from my bank ever called me to ask any questions to know if I had contacted Zelle which I did a numerous of times. When i finally spoke to someone in the dispute department she said she would start my claim process on XX/XX/XXXX, but because of their policy its credit on credit received which means I wont get my XXXX back until Zelle sends them the money. Its been an entire month that I have been without my XXXX and my bank or Zelle cant seem to tell me where my money went. If you all can please help me in recovering my funds I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to dispute and remove the XXXX XXXX student loan accounts. They are extremely old

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