vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: NJ

Complaint narrative:
I have contacted Experian on inaccurate information on my credit report. Experian has failed to verify two accounts that i never owned. I asked for official contracts and have not been provided anything besides a generic " verified '' letter. Experian is supposed to have consumer contracts on file under FCRA. I have mailed them four letters requesting verification for 4 months in a row and always get the same generic " verified '' letter sent back to me. Experian is not investigating my complaint and have put me in a hardship as these two accounts are effecting my true credit worthiness. I am trying to get my first home for my family and I to make our lives better. 

My First letter was Mailed on XX/XX/2019 asking for verification and received a letter stating the account was verified from Experian on XX/XX/2019. 

My Second letter was mailed on XX/XX/2019 asking for verification and received the same account verified response from Experian on XX/XX/2019. 

My Third letter requesting verification and consumer contracts was mailed on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. 

My Fourth and final request asking for consumer contracts and verification was mailed out on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. Experian is being negligent and keeps on sending me the same generic response. 

I have tried working this out with the company directly but have not been taken seriously. I would love CFPB to step in and try to resolve this 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 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have compiled and done everything requested and submitted all documentation for a loan modification or repayment plan anything that will help me save my home and was denied for insufficient income when I do fall within the DTI which is 30 % - 41 % I am at 36 % DTI required for mod or repayment plan I can afford it my monthly net income is {$5600.00} and mortgage payments are {$2100.00} please help me keep my home. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Today I called on this letter I received in the mail today from Diversified Consultants , INC . So I ask the employee she never told me her name if I could have the fax number for this company so I can send them document. She informed me that they dont have a fax number. I than said okay via email she said no. I said okay how can I send a prodocall XXXX ways to notify company of this document? I'm needing to fax or via email and regular mail. This is against our right as consumer 's. She again told me to send to this address Diversified Consultants, INC. XXXX. XXXX XXXX XXXX, FL XXXX. Phone number XXXX. Needing them to release the following information to me stop dragging thing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: UT

Complaint narrative:
I recently applied for a credit card from XXXX. I was declined for the following reasons : Report reflects a bankruptcy or charge off. 
One or more cards are over limit. 
One or more recent credit inquirys. 

All of this information is incorrect, however, Experian makes it impossible for consumers to regularly monitor their credit. The other major credit bureaus allow consumers to view their credit profiles through XXXX XXXX. Wht isnt Experian on 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 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: MN

Complaint narrative:
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX  XXXX  XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University  XXXX XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX- XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it XXXX Concern, I recently purchased a home and had a " mortgage XXXX XXXX '' try and help me. When I showed up to the closing after a year long process. I found out that the mortgage loan processor had overstated the loan and gave the seller an extra XXXX for the sale price. My lawyer was shocked and she stated this never happens. I asked him for help his name is XXXX XXXX he said there was nothing we can do that the seller would have to give me the money That is illegal, so now I am invested into a house that was originally being sold for XXXX to XXXX. I was told that this money would be coming to me, so I invested money into the home, that the seller should have invested in. This is not right, I should not have to pay interest on a loan, that was not stated correctly. I feel I was backed in a corner to sign. Also XXXX said he would try and help and he never did.

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 2019-06-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I requested my free annual credit report from Equifax. They are refusing to provide it unless I submit my w2, copy of drivers license, copy of utility bill etc. 
My name, address and social security number hasn't changed in XXXX years and I request a copy of my credit report each year for the last XXXX years. Equifax is just trying to make it impossible for me to get my free annual credit report without hassling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: MN

Complaint narrative:
Dear CFPB : I am writing to complain about EQUIFAX 's failure to resolve a simple dispute about XXXX account. Dispute resolution does not mean contacting the offending party and wholeheartedly concluding their erroneous position prevails over reason and rationality. This is what EQUIFAX 's dispute resolution is all about. All t they do is contact the breaching party that is responsible for the mischief, and upon hearing from them, take their position as sacred and conclusive. There is nothing conclusory or sacred about misrepresentation. Evidence shows that the other XXXX major credit bureaus, XXXX and XXXX, concluded that XXXX is the breaching party. Both XXXX and XXXX Bureaus have expunged XXXX account more XXXX   months ago because of misrepresentation. There is a reason why XXXX and XXXX have reached such a correct decision to expunge XXXX. EQUIFAX, however, knowingly and purposely tries to evade, deflect, harass and use red herrings in fulfilling its duty under the law to resolve disputes. EQUIFAX is exceedingly stubborn about resolving this issue. It stonewalled and roadblocked every legitimate dispute that I submitted to them. They decided to ignore my CFPB complaint. Their conclusion is nothing short of frivolous assertions of trickery and waste of time. I denounce these games in the strongest terms. In the latest incident, they added more negative information on my credit report. This is unlawful conduct. EQUIFAX has a legal duty to investigate disputes and resolves them before smearing someones reputation Here, EQUIFAX fails to resolve the dispute, which amounts to defamation. EQUIFAX did not do its job in resolving the XXXX listing in line with XXXX and XXXX. I did not ask EQUIFAX a favor. I am asking EQUIFAX to be consistent with XXXX and EXPERIAN. This flaw that my EQUIFAX XXXX Scores to be lower than those of XXXX and XXXX by at least XXXX points. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings. I also call EQUIFAX to be neutral when disputes arise. Do not call XXXX for me and copy their erroneous data supply. You can not be vested heavily in one side of the disputing parties. Neutrality is a paramount requirement for every dispute resolution. This is unacceptable under the United States Commercial, Securities, and Reporting Laws. In conclusion, EQUIFAX is in flagrant violation of the United States Consumer Protection, Fair Competition and Civil Rights Laws. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: CA

Complaint narrative:
Through out the duration of my loan I made two payments, one approximately on the XX/XX/XXXX and one on the XX/XX/XXXX. In XX/XX/XXXX I began receiving calls from XXXX XXXX XXXX stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.

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 2019-06-24 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
On XX/XX/2019, we sold our home that had been financed under an FHA loan serviced by Cardinal Finance. The proceeds from the sale easily covered the remaining balance on the loan, including any remaining interest and PMI costs. Despite this, Cardinal Finance deducted an additional {$95.00} for PMI through XXXX. A Cardinal operator and her supervisor admitted I did not owe the additional PMI, but when I asked to release money they told me to call HUD. I told them they already have paperwork indicating the loan has been satisfied and the additional PMI payment was unnecessary. They would only offer me HUDs toll free number. This is theft and negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MS

Complaint narrative:
I asked the company to send me a letter to verify my debt and that this was not a scam. I was told if i did not start making payments that i would be sued. I simply want a letter to verify that they control my debt instead of me just giving them my social and/or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have various credit cards serviced by Synchrony Bank, Qcard, PayPal, Wall Mart, Sam 's Club Master card. It took me a while to figure this company out but what they do is " forget '' to send a bill for a month and then in the next billing cycle you have late fees added on, then the next day you get a letter reducing your credit limit. I had been in excellent standing with these credit cards for years until Synchrony bank took over the accounts. There are so many people complaining on XXXX and people I know personally who are having the same issue. Something needs to be done. They also call you 5 times a day and all day Sunday if you " missed '' a payment. I had never missed a payment until these crooks took over. Please look into their practices.

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 monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
Have applied for a XXXX XXXX XXXX XXXX XXXX. Had to have multiple background checks and 3 XXXX XXXX. The information being used is XXXX XXXX from 16, 22, 26 and 30 years ago. 3 are XXXX and 1 XXXX. The position for employment is in the XXXX  XXXX XXXX. TX Business code 20.05 states no arrests, convictions, parole anything older than 7 years can not be used or reported unless the salary is equal to or above 75,000 yearly this position I am applying for is XXXX hr 40 hours a week which is XXXX gross wages well below the amount set fourth. The company has state that texas law doesn't matter only the FCRA but that also states no negative information older than 7 years and that a consumer reporting agency must also abide by state laws. This company is grossly not following the federal or state law as set fourth.

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 2019-06-24 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I submitted application for loan modification and was first offered a flex mod and then for some reason it was takin back i was told by the investor and said because I have already received several modifications which are not at all true I tried to explain that and it wasn't even taken into consideration just told me that I could make a reinstatement payment of {$24000.00} I do not have this kind of money but I do work 2 jobs so that I can keep my home the reason for my hardship is the death of my husband and financial loss this is why I requested a modification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
The creditor has not provided the following information to support the alleged debt : 1. name and address of the original creditor 2. a copy of the original signed contract, 3. delegation of authority giving you the authority to collect the debt 4., and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I can't believe big bank like JP Morgan Chase would not get any deferment signed? And you still have not shown any kind of deferment! And your paperwork does not match my statement or what I paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Veripro Solutions Inc.
State: WA

Complaint narrative:
Back history : We purchased our home in XXXX of XXXX with an XX/XX/XXXX loan. The 80 % was with XXXX, the 20 % was with XXXX. Roughly in about XXXX we got behind on our house, XXXX sold our loan to XXXX XXXX XXXX at that time we thought that they had purchased the 80 % and the 20 % at the same time since we had done a modification with them. Since after XXXX we have never received another bill from XXXX. Fast forward to XXXX we started the process to refinance our home and when the title company came to pull title we found out there is a Lien on our home with someone named XXXX, They are listed on the MERS website as the Lien. MERS # XXXX I have never heard of them up until 60days ago. 
I have tried to work with XXXX XXXX to release lien since I have talked to numerous people at the office stating that they have NO account under my name, my husbands name, our property address, they only reason I am talking to them is that they hold lien on my home. I have talked to Veripro Solutions and they only thing they can provide me with is a DEED of trust. I have requested the NOTE over 20 days ago. And every time I have spoke to some one they keep telling me they are researching it and it will be 3-5 business days. I have multiple emails and phone calls from them. Stating that they have escalated there manager but NOTHING has happened. There is still a lien on my house and I can not refinance and no one will provide a NOTE or proof that the debt is valid.

Company response to consumer: Closed with explanation