vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 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: ERC
State: OH

Complaint narrative:
Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX  XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX XXXX and Chapter 7 Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX takes over my mortgage from XXXX on XX/XX/XXXX after 5 years with XXXX and zero issues. 

XX/XX/XXXX my homeowners insurance was to be paid by the Mortgage company ( XXXX XXXX XXXX  ) the money was in my escrow account {$1500.00} i was notified that my insurance was not paid because of an issue with my address. I checked my escrow account and it showed the {$1500.00} was in fact deducted from the account. 

I went to my insurance agent and they in fact have never received the payment, so i paid the insurance out of my pocket and had them fax the insurance documents to Rushmore.

again i am notified that i have no insurance and Rushmore is getting an outside insurance to add to my house. again i call and have my agent fax the documents to Rushmore.

I call and talk to Rushmore and they say that it isn't their fault that the insurance was not paid, so i ask where the {$1500.00} is from my escrow account with nothing but run around from them. i tell them have the statement where the money was withdrawn from escrow and it was never paid. it still does nothing to help my case.

I pay a lawyer to advise me, and he tells me to send the documents return receipt requested. and i in fact do send them the insurance documents on XX/XX/XXXX and i then get the return receipt back that they signed XX/XX/XXXX, and still they add insurance at {$41.00} a month. and Rushmore still says that it was added because i let the insurance expire? 

They are charging me {$310.00} a month to my escrow account and the only things they pay are {$41.00} for their added insurance, {$50.00} for taxes and {$92.00} for PMI. which i asked them to drop because i have kept up my payments for 6 years, and they replied no because i had let my insurance expire. which was actually them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from my credit.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Last year in XXXX, I tried to dispute an account on my credit report listed as XXXX/XXXX, through Experian 's online dispute center. I had listed as the reasoning behind my dispute as that I had no knowledge of this account, & that I have never received any mail, calls, or notifications regarding this supposed debt. It was never removed or updated on my credit file back then, even though I was sure that I had never had an account through XXXX in the past. Recently, since I didn't have time available in the past to fully review my report details for any discrepancies, I cleared a day out of my busy schedule to go over my accounts listed. After viewing this XXXX/XXXX account again, I noticed that the last time it was udated was in XXXX, & under the dispute comments from XXXX, it specified that this debt was transferred to another lender. So why is this supposed debt still on my report, when it obviously wasn't verified extensively? If the only information given to the credit bureau from the initial lender, was that it was transferred to someone else, then how is this perceived as acceptable proof without any documentation to support this company 's accusation pertaining to this supposed debt, if they have no record of the supposed transaction? Also, when I tried to re-dispute it, it said that I was not allowed to dispute it again but could upload any documentation or proof pertaining to my previous claim, & it will be reviewed. How am I supposed to submit any documentation in reference to this supposed debt, if I don't have anything to submit, & the lender apparently couldn't even supply it to them! Obviously, if I didn't receive any communications at all from the company, how am I supposed to provide any proof to my claim that the debt is not mine? This is the most ridiculous thing I have ever heard of, and it is their fault for not verifying it properly the 1st time when I disputed 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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
First, I am a victim of identity theft. On XX/XX/XXXXI sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiry, addresses and employer.On the same date I also sent 3FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXXI received an Experian credit file. This credit file still shows 2fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX / # 2- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Tx XXXX XXXX ), 6 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX XXXX / # 2 XXXX XXXX XXXX XXXX XXXX / # 3 XXXX XXXX XXXX # XXXX / # 4 XXXX XXXX/XXXX XXXX # XXXX / # 5 XXXX XXXX XXXX # XXXX / # 6 XXXX XXXX XXXX XXXX XXXX ), 1 fraudulentinquiry ( XXXX XXXX - XX/XX/XXXX ) and 1 fraudulent employer ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Experian is in violation of the Fair Credit Reporting Act.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX   XXXX, Chapter XXXX Bankruptcy 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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX 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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX 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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
SOURCE RECEIVABLES MNG XXXX XXXX XX/XX/2018 {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX Try to contact with company with mail / disputes to verification letter they never respond or sent me any info about the debt and they are reporting to credit brues as collection but i have no idea baout that i need them to sent me verification of debt not verified or you owned that i want actual paperworks to verify that info or remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
USA agenda Adversary in the divine court room XXXX will turn our darkness into light C/ LCDR XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX to the Assistant Secretary of the XXXX ( Energy, Installations & Environment ) O : XXXX C : XXXX DSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX XXXX an employee of XXXX XXXX told me he was the inventory manager for the southeast and wanted to thank me for taking care of him. He picked out of his over inventory XXXX worth of XXXX XXXX merchandise and told me it would be {$800.00}. I thought it odd however he said he was the big boss and could do this. On XX/XX/XXXX, I withdrew {$800.00} from my bank XXXX XXXX XXXX XXXX by debit card and went to XXXX and got a money order. He gave me his Wells Fargo bank account information and I deposited the money. Then, he informs me the money wont clear until Tuesday. So he got {$750.00} from me in cash that I again withdrew by debit card. He took it and went to XXXX to deliver my items. After two days and so many deliveries from XXXX XXXX XXXX he promised me it would happen. On Tuesday, XX/XX/19 he said they attempted to deliver but no one answered the door. I checked my security system and no one ever tried to deliver. I let him know this he said XXXX XXXX investigated by following the GPS on the delivery truck and the driver was parked at XXXX. He said but now the driver is trying to charge me for delivery. {$2000.00}. I said I didnt have it. He said he would use the initial {$800.00} towards my delivery and just needed {$1000.00} more. But that he would return {$1800.00} to me in XXXX XXXX gift cards and go to the store with me to change them into cash. I didnt know they dont do this. So on Friday XX/XX/19 I again withdrew {$1000.00} from An atm at XXXX and went inside and got a money order. I then went to Wells Fargo and deposited the money into his Wells Fargo account. He said if the money clears delivery will be Friday. The money didnt clear til Saturday. I was talking to him on the phone as he was driving to the XXXX  XXXX XXXX store. He said I am getting pulled over. Cops are coming. I literally never heard from him again until XXXX that afternoon when I received text messages from his number. The mystery person told me he was in jail. I repeatedly asked for my {$2500.00} back. They told me no. I said Im going to the police. They said try to make a case. Anyways I have been lied to. There were no goods delivered ever. I want my XXXX money back. Please help!!! I have proof of the deposits and withdrawals from my bank.

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX and on or about XX/XX/XXXX, I called Capital One to explain my financial situation and having recently been on XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXXXXXX I called to request account to be closed without incurring additional interest due to my unpaid leave and lack of finances while in family medical leave. Capital One said my account had already been closed but continued charging me high interests. Additionally, even once I borrowed money, on or about XX/XX/XXXX, to pay minimum due for account not to be charged off, Capital One continued to report late payment even while I made minimum payments through XX/XX/XXXX. Furthermore, at several times Capital One blocked my access to view account/bill/summary/statements not allowing me access to make payments. On XX/XX/XXXX, Capital One sent me an email stating my account would be charged off in less than 30 days, without ever specifying the date. 9 days later which is less than 2 weeks when I attempted to view my account, my account had already been charged off. Capital one harassed me on a monthly basis, they discriminated against me for being XXXX and being on XXXX and XXXX XXXX XXXX XXXX. Capital One offered solutions without results after they said they would stop reporting late payments to all 3 credit bureaus, stop interest fees and closed my account without allowing me access my account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019, Equifax signed and received a certified letter from me through us mail, I asked Equifax for a Method of Verification the 15 days allowed has passed. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor. Equifax is in violation with the FCRA I am requesting the items be deleted based on the credit bureaus lack of compliance with the method of verification. Equifax confirmation dated XX/XX/2019,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Netcredit is a company that not interest in listening to any complaint or trying to work with the me to help because I can't pay the high amount of interest and the very little amount going towards the principle that is unfair and wrong for anybody to have to do. 
I am not trying to not pay them but I have a problem with them trying to lock me in a five year loan which they seek to collect three time the loan amount they gave me. I am a XXXX Veteran that gets a monthly check that all I have to live on for Netcredit to do this is shameful and disgraceful. PLEASE HELP..!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: IL

Complaint narrative:
Again, this fraudulent debt has been disputed with Payliance thru the credit bureaus several times. Their company name listed on XXXX is Cybercollect and Payliance on XXXX. So from now on all of my complaints with this company will be handled thru The Cosumer Finance or the FTC. I've attached my official statement of ID Theft for this account. If this isn't removed from my credit file I will go further with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation