vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank ReliaCard was issued to me to deposit my weekly XXXX payments from Pennsylvania. I would do bank transfers as needed. The last bank transfer I attempted was for {$2000.00} on XX/XX/2020. My ReliaCard account indicated it was indeed transferred to my bank account. On XX/XX/XXXX, the funds were still not available in my bank account, nor was I able to attempt another transfer, and the only thing I could do with my account was see my balance. It appeared my account was frozen. I contacted customer service at ReliaCard, and the customer service rep answered the phone by asking if I was unable to use my card. I said yes. He gave me a 10-digit ID number and a fax number and said to fax a copy of my driver 's license to this number with the 10-digit ID number on the same page as my license. I did so immediately after the call. 
A little over a week later I still had no use of my card and noticed the ReliaCard website had a document upload area, so on XX/XX/XXXX I once again uploaded my ID and 10-digit number and received the confirmation # XXXX after submission. 
XX/XX/XXXX, I still had no access to my funds so I once again called ReliaCard customer service and the woman I spoke to said there was a note attached to my account that stated my previously sent fax was too blurry and could not be read. She said the reason ReliaCard was doing this was to prove identity because there is so much fraud going on. She asked me to re-send it to a different fax number and to enlarge my ID by 200 %, lighten it and copy in black and white. I did this and it has been 24 hours and still no access to my card. 
How many times do I need to send my ID, and if they can't read it, then why can't they contact me and get it straightened out?

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 2020-09-18 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

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 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I noticed an erroneous debt on my otherwise flawless credit report. The account was a {$130.00} debt from XXXX XXXX that was reported by a collection company called Eastern Account Systems. I have full insurance and pay out of pocket for all other medical expenses so I know that this debt was satisfied. I disputed it with all three credit reporting agencies and it was deleted from XXXX  but somehow was verified on XXXX XXXX and XXXX  So, on XX/XX/2020 I sent a certified letter to Eastern Account Systems asking for compliance with the Fair Debt Collection Practices ACT to validate this debt and show me proof that this is my debt, that I actually owe it and how they acquired my information. They signed for the certified letter but never responded with the required documentation, a signed contract, statements, detailed billing history in accordance with the FDCPA. So I sent another letter on XX/XX/2020 asking Eastern Account Systems why they did not respond to my validation demand and gave them another opportunity to send me the documentation required by law to legally report or collect this debt. I allowed them the 45 Days in accordance with the FDCPA and even waited an extra 60 days for a response because of COVID 19 and they never responded. The evidence is clear that they are in non compliance of the FDCPA and the Fair Credit Reporting ACT by reporting and verifying this information with the credit reporting agencies. This appears to be a predatory debt collection company that is operating illegally and not in accordance of State or Federal Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: UPGRADE, INC.
State: MO

Complaint narrative:
This complaint is regarding an unsecured loan with Upgrade Inc. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within Upgrade Inc that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact XXXX about this matter, the company that had purchased this collection account. I contacted XXXX, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with XXXX, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from XXXX. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of Upgrade Inc. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with Upgrade Inc., for {$1500.00}, it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My 2019 XXXX Property tax still not paid yet, despite of many attempts and complaints via phones and emails I did to PHH Mortgage Services. Right now I was approved for home modification, because I had a hard time to pay my mortgage. I did apply for Home Modifications and my lender approved it, and I passed the 3 months trials. 
My only concern why my property tax was not paid yet for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have made numerous complaints and never get a satisfactory reply or a truthful one. 
The specialized loan servicing people have breached the contract they are using to try and collect payments. On page 4, section E describes the interest limit as not to exceed the maximum rate permitted by law if lower. For over a year when payments were being made SLS exceeded the Kentucky Usury law of 8 %.

I have numerous times asked for an attorney to contact me as well as tried direct contact and was ignored. I have stopped making payments because SLS/XXXX XXXX XXXX XXXX   XXXX have an altered contract designed to collect under false pretense, Now because of breach of Usury law I believe they owe me money. I am attaching a copy of the page that describes this. In the event I have misinterpreted it, have an attorney contact me, not employees.

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 2020-09-18 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: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
Original complaint filed on CFPB under complaint number XXXX still not resolved. After weeks of back and forth with the company that failed to respond to the insurance company before applying this debt to my credit I have now resolved this matter on my own by being the middle person between the insurance and XXXX. The debt is paid and the item as stated by Grant Mercantile/Americare is to be removed as a courtesy. Being that this was out of my hands to begin with due to the company failure to do their due diligence I would like the removal taken care of ASAP.

Company has now been paid and nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: NV

Complaint narrative:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through Equifax years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NV

Complaint narrative:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police 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 2020-09-18 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: NY

Complaint narrative:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : Transunion, XXXX  and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.

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 2020-09-18 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: NY

Complaint narrative:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, XXXX  and Equifax. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I moved into this house renting it, was there for 3yrs. never missed or been late for my rent.Getting repairs done was a big issue thru the way you had to email a request and wait to be contacted.on one time I called daily trying to conferm the work order. the company recognize my phone number.they would not answer my call. so I used my daughter phone the call was answered the second ring. I had to clean the house to move in or pay rent at the apartment I was moving from. this place already had my money.first week refrigerator broke, lost all my food.they would not replace.door knob broke, took about 2weeks to fix, toilet broke took almost 6days, air condition broke took 3days to fix, I didn't have a rep for 2years I know of. Finally a rep contacted me during the time the door knob was repaired. I never met him face to face, eventhough I asked to meet with him to discuss somethings that I was facing he told me he lived 1 1/2 hours away.my health started to flair, XXXX, and other symptoms started to surface. well the air condition went out again, this time it was a major fix. this is during summer time very high temps.3rd day a handyman showed up with a very small air condt. from XXXX XXXX or XXXX XXXX iam guessing. it did not cool the house only the living room with 4celing fans and 3 floor fans.without the air Black Mole started to surface by this time XXXX XXXX XXXX  and all kinds of med.i was not on XXXX until I moved here.my renew contract was for XX/XX/2019 XXXX XXXX contacted me to try and get me to renew, he told me please don't turn in my notice he was going to do what ever it took to keep me. I told him it was to late I had been thru too much.he said to me, I understand I'll start to show the house the end of XXXX. I told him that was fine air broke XXXX XXXX and was still not repaired when I moved XXXX

Company response to consumer: Closed with non-monetary relief