vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
Discover card continues to falsely claim to the Consumer Financial Protection Bureau that the subsequent complaints in which I file are merely a duplicate. However, the clerk who originally replied to CFPB complaint number XXXX did not address the full complaint. Specifically, the consumer requested that new account ending in XXXX be closed. Discover card failed to acknowledge that all credit reporting will reflect " account closed by consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I closed on my home on XXXX my first mortgage payment was due XXXX that payment was sent by my bank autopay on XXXX my second mortgage payment for was sent out on the XXXX because a letter sent out stating that another company would be servicing my mortgage. Now I have a two different companies servicing and to my there was a third. No took the time to update their system to see if I was current with my payments so my account is being tossed around like a football. The next I know I'm being overwhelmed with letters of pass due amounts to be paid in full, behind in payments, foreclosures, late charges, loss mitigation, corporate advance charges and loss of my home and so on all of this in one week what am I to do? I called to let them know that they in the worng but letters kept coming. They were harassing and bullying me using their CORPORATE scare tactics. To make long story short l got online and found CFPB to make an complaint. Also I had two different loan number

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: CA

Complaint narrative:
Today XX/XX/19 I was notified by my loan officer that there is an account that is preventing me from getting approved for the home loan I want because it is in negative standing. I did some investigating because I have never opened an account with that company and I discovered that this account was opened by someone else without my permission. I never authorized anyone to open any type of account on my behalf nor do I know how he/she got ahold of my personal information but I have already filed a police report. I am not affiliated with this company in any way and I never allowed them to run or access my credit information. I did not benefit in any way from this suspicious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
Company contacted 2 relatives leaving personal information re : me and implied I was going to be sued. The collection company is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Tel # XXXX. 

I have asked for a breakdown on what has been paid and they have not respned to my emails. They are rude on the phone and always say I am rude. I want to settle for the loan. Orginal amount was XXXX and I have paid way over the orginal amount. The tatics of collections were not in compliance of fair practices leaving personal information with others and threat of lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: IL

Complaint narrative:
I have previously attempted to have this agency cease and desist and they refuse to do so. The damages they are alleging were not done by me. I have requested proof on multiple occasions. Also, within the City of XXXX a landlord is required to send a statement regarding charges within 30 days of moving, or no debt can be charged to a tenant. I have requested proof of this statement being sent including but not limited to tracking information, certified letter, etc and have received no proof regarding. The management company that sold this debt to NCAC is no longer in business due to these illegal practices. I have submitted NCAC with photographic proof of no damages and have  requested photos regarding the said damage, receipts for cost of repair, etc and have received nothing regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: KY

Complaint narrative:
My ex husband submitted an insurance claim under my policy for an accident he had in a rental. I had no knowledge of this and it is effecting my insurance rates instead of his. He was the driver, the vehicle was a rental and I can provide proof that I wasnt even present for this accident. No money was paid out on this claim either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: PA

Complaint narrative:
This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] On XX/XX/2019 Transunion received a letter from a credit consulting company I hired to dispute and update my credit report which the company incorrectly claimed that the payments reported on account XXXX XXXX XXXX  # XXXX were inaccurate although this should have been reported as incorrectly opened due to fraud. After realizing the companys error, I sent in a letter on XX/XX/2019 I disputed the following account XXXX XXXX XXXX  # XXXX as being incorrectly opened due to fraud. 
I received a Transunion letter of investigation and report # XXXX on XX/XX/XXXX, Transunion described that as a result of their investigation results the account was DELETED from my credit report. Subsequently in a letter dated XX/XX/2019, I received a letter that Transunion contacted the creditor and determined that the file has been verified and therefore re-inserted to my credit report.

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 2019-11-22 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: CA

Complaint narrative:
I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover hire a law firm that taking me to court and lie to the judge on the balance my is XXXX and not no XXXX the lawyer show me the right balance of XXXX got in court and told the a lie I am trying to pay this off but they giving me the run a round and now I have to go back to court for a garnishment this go to far its not right a no one should have to go though this something need to be done I dont want no one to be change like this the lawyer discover card hire in not right and take this for a joke I dont see know right in this this unfair let me pay what i used on the card need to be fair. And thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-11-22 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 ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM XXXX XXXX, XXXX IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). EQUIFAX HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH EQUIFAX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE. 

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 

2. A COPY OF IDENTITY THEFT REPORT. 

3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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: CO

Complaint narrative:
I'm submitting another complant because my disputes aren't being verified and researched. I've submited several dispute each time with proof and more and more proof each time. Each time they respond back with a default response stating a verification back in XX/XX/XXXX of this year. I have since then provided more information and screenshots of my credit report. They refuse to look into the dispute and just immediately close it stating they already researched the matter. I do not want my results online. I refuse online dispute results. please submit all results in writing. 

I'm writing in regards to several XXXX  XXXX accounts listed below : XXXX XXXX XXXX XXXX First and foremost I would like for them to verify each account. They keep saying things are verified without showing any proof of verification. I'm requesting to see the application or the signed contract of each account listed above, because they are not reporting correctly on my report and until I can see this information nothing has been verified. I'm not requesting a blanket statement of " Verifed each account on XX/XX/XXXX '' I would also like to know who performed this verification on XX/XX/XXXX. What kis there employee number? Who performed the verification at XXXX  XXXX? What is there employee number? How was this information verified? From the looks of it, it appears that it was verified by copying and pasting a default response. What was your verification method? KI would like to see your method of verification and what was sent to XXXX  XXXX to verify this information. 

I do not want my results online. I refuse online dispute results. Please submit all results in writing. 

I'm attaching the following documents : -my previous CFPB complaints with responses from the credit bureau . 
-- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -Screenshots of my credit report showing these accounts only exist in Experian credit report. 
-The XX/XX/XXXX investigation -- Report Number - XXXX-XXXX-XXXX  I'm requesting from the Credit Bureau -Verification method - How was the accounts listed above verified? 
-Signed application or contract of the individual accounts above -Who verified these accounts from both the credit bureau and XXXX XXXX. Employee numbers? 

I do not want my results online. I refuse online dispute results. Please submit all requested information in writing.

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 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My former bank, which was Bank of America, chose to close my bank account without my permission when a fraud took place withy bank account. I applied for a loan and the so called on line loan company called themselves XXXX XXXX, went into my bank account without my permission and turn my paid bills back into credits, pretending that they were me. Bank of America did not call me when this happened. I thought that the so called loan company put money into my bank but they turned bills that I had already paid, credited back to my account. Underminedly, then ask me to send them what I didn't need. They said that they put {$2000.00} in my bank account but was falsely done, and I only requested {$500.00} from the loan company, thinking that they were legit. Meanwhile, Bank of America closed my account without discussing what happened to me, the fraud and treated me disrepectful when I tried to find out why they were closing my bank account. And then when I finally found out that I was scammed, Bank of America offered no help for me nor did anything in my behalf to recover my funds. Because the scammers told me to buy {$1500.00} worth of XXXX  cards and send the the numbers off the back of the card. I thought it was quite unsual but people are always doing something new so I thought that it was legit. Come to find out that I was sending them my own money and it wasn't a loan. XXXX XXXX didn't ever put any funds in my bank account. Because I spent the money, Bank of America kept my widower 's pension and one my work paycheck 's to recover what was lost or stolen from my account. Those checks were directly deposited to my bank and because of that, I could not pay my rent, car note, electric bill nor any of my other bills for this month. I'm further behind in debt before I tried to get this loan from XXXX XXXX, Mr. XXXX XXXX, he said his name was, their phone number that they used was ( XXXX ) XXXX. I have learned a valuable lesson not to apply for a loan online anymore.

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 2019-11-22 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: Ditech Financial LLC
State: CO

Complaint narrative:
I am writing to formally dispute a credit reporting from Ditech on my personal credit report. Ditech reported two 30 day lates to the credit Bureau after selling my loan to XXXX XXXX. 
My loan was sold to XXXX XXXX XX/XX/2019, then Ditech reported lates in XXXX and in XXXX. Ditech in no way tried to let me know there was a late payment. After spending 10+ hours on the phone with Ditech to try to resolve this I am writing directly to you. After discussing this with Ditech 's representatives it was found that XX/XX/2019 there was a late payment and a noticed sent then, however they reported this late not until XX/XX/XXXX and again in XX/XX/2019 ( after loan was sold and current ). When I discussed this with their representative she confirmed that Ditech had sent only one letter in XXXX, based on our hours of phone conversations the days of the month in XXXX only XXXX and they report on the XXXX, seem to have played a role in why on my end my account appeared to be current. Ditech admitted to me over the phone on one of these many calls that ultimately resulted in nothing that I had 90 days from them selling my loan to resolve anything before they can report to credit Bureau. However these reports were made the month of selling my loan and 30 days after selling my loan. Not only were my efforts made within this time allowance, they had already reported these lates. The current standing is reported as follows : MTG2 XX/XX/2019 and MTG2 XX/XX/2019, this needs to be changed and corrected. The XX/XX/2019 needs to be changed to MTG 1 and the other reporting needs to be removed entirely. My XXXX payment was late but rolled over months over months due to 28 days in the month resulting in Ditech not knowing about it until XXXX I can except that reluctantly, however making two reports is incorrect on every level. Ditech must remove the late report made in XX/XX/2019 they did not even own the loan and it was paid in full by XXXX XXXX at the time. 
DItech advised me to have XXXX XXXX contact them on my behalf since my loan was current and now owned by XXXX XXXX, after reaching out to XXXX XXXX their credit department was appalled they advised this since they in no way can represent me. My new lender ; XXXX XXXX told me they could not do anything to help me with Ditech incorrectly and un-responsibility reporting me to credit bureau. 

Please contact me with for next steps to remedy these from my credit report. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2017 my son, a resident of XXXX, died in XXXX. He had opened an account with US Bank in the State of XXXX. To retrieve his funds I was told to submit small estate affidavit and death certificate to the bank. The small state affidavit from XXXX  and death certificate from XXXX  were submitted but bank refuses to close account. They argue a small estate affidavit from the county of death is required from XXXX. On contacting the State of XXXX  Courts was told the XXXX  form is sufficient since US Bank does business in all 50 states ( including internet ). 

US Bank is putting unnecessary obstacles in the way of retrieving my deceased sons assets. I have an account with US Bank and I live in Texas! US Bank is NOT just an organization in Oregon! Even the state of Oregon agrees with me that the Texas forms are perfectly adequate for this action. 

US Bank is trying to literally make a federal case out of retrieving my dead sons accounts. The loss of my son is enough grief without USBank adding to 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 2019-11-22 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: Penn Credit Corporation
State: GA

Complaint narrative:
I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

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 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