vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: TN

Complaint narrative:
I have filed a dispute with Equifax for 6 consecutive months on my XXXX XXXX Account. They are reporting the same account twice. After every investigation I am told that those accounts have been verified despite my dispute asking them to delete the duplicate accounts. I only have 1 account with XXXX XXXX. Equifax has the account listed twice with the same account number, amount, and terms of agreement but only two days apart. I explained to them each and every time that no company will give a consumer the same loan for the same account days apart. I have completed 4 online disputes and 2 disputes over the phone with an agent. After reviewing the investigation results, I immediately call the company just to be informed to do the process over again while engaging in an unprofessional dialogue on their part. The main manager by the name of XXXX with the dispute department has been very rude throughout this process. One more than 2 occasions, I have had to tell her to stop yelling in my ear, when I continued to ask her to explain why they keep giving me the run around. I have contacted XXXX and was told by them that they are only reporting once to Equifax and it is an error on their part. They said their hands are tied becasue they are doing what is required. I called to relay the informtation to Equifax and they continue to say that XXXX is reporting twice due to their investigation.They keep asking them to verify the account but is is obvious that it is not being investigated because there is no way XXXX is verifying erroneous information stating that they gave me the same 1 loan on two separate days only days apart with the same amount, account number, and term. This erroneous reporting is negatively impacting my overall credit score which lessens my chances of making favorable purchases. Please assist, I dont know what to do at this point. 

I have repeatedly asked them to delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru XXXX and have called XXXX and called XXXX  and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote a letter to Equifax, XXXX and XXXX dated XX/XX/2018 informing that there is negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to Equifax. However, XXXX and XXXX also received the same letter, dated the same as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I had my credit pulled due to me attempting to purchase a home.XX/XX/XXXX Upon pulling my credit report I noticed an account from XXXX XXXX listed in the amount of XXXX. I contacted convergent and told them it was a fraudulent account. The representation advised me that the account had been verified over a year ago and that the debt was mine. I then spoke with a manager that advised me that I would need to pay the debt in full and there was nothing that he could do. Time and time again Convergent has refused to validate the debt as requested in writing. The first contact was in XX/XX/XXXX. I am a XXXX XXXX XXXX veteran and after serving this country I feel that I should at least be treated fairly and Convergent has not expressed any want 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 2018-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I had a stopped payment on a check for {$380.00} but usaa let the check go through causing my mortgage payment to bounce. I was unable to make a deposit at the XXXX ga atm. But they told me I had to just get a money order which I did. I deposited the check using my XXXX   but to make problems worse they hold {$260.00} of my money. Then this new problem arise with this {$380.00} coming out when I had a stopped payment to. There is always somebody at the bank causing you financial issues and things to bounce. Somehow the stopped payment fell off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. Based on the TransUnion website description, I could get the free report of my credit score. Then I signed for it. But I don't remember if when I signed for the credit report, I signed an agreement for a credit monitoring service for XXXX a month. If I did, TransUnion must have hide it somewhere so that people won't notice that as they never sent me the bill/receipt/invoice. Nor does this information show on my monthly credit monitoring report. 

2. After that, I received the monthly credit monitoring report. I never realised it was charging me XXXX as the report showed nothing about the fee and they never sent the bill. TransUnion charged me for XXXX USD every month for credit monitoring from XX/XX/XXXX to XX/XX/XXXX. I thought the XXXX was some insurance fee and didn't realise it was for the credit monitoring service. 

3. After a few months, TransUnion secretly changed the fee to XXXX USD per month until I found out, starting from XX/XX/XXXX to XX/XX/XXXX. Again I never received notification or a bill or receipt or invoice for the change during the period. 

4. At first, I don't know how to cancel the service. Finally, with much effort, I found a website telling me how to remove the service from their list. The cancellation is almost like breaking a secret code. It is very time-consuming and complicated. I am sure many senior people, like my parents, could not fix that. 

5. I just knew that I could file a complaint here. And I believe many other people will fall in the same trap as I did. I hope my experience will help them. 

6. It is NOT a decent way to run business. TransUnion should feel shame about themselves. 

Thanks.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
Scammed with Google Play Cards of {$6000.00} Alias name of U.S. Marshal/Immigration

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 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: AL

Complaint narrative:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have never done business with National Credit Adjusters. I do not have a signed contract with National Credit Adjusters. I am not liable for this debt from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX. On XX/XX/2018 I contacted National Credit Adjusters to validate the debt that they were claiming I owed. National Credit Adjusters sent a copy of another person 's files. When I pointed out their error they sent me a letter stating that they will validate my account and they still have not. This is my second request for National Credit Adjusters to provide me with an correct account validation. If an correct account validation can not be provided then National Credit Adjusters must remove their trade account from my credit reports at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a late payment notice for non-payment of my XX/XX/2018 credit card bill with US Bank/XXXX XXXX, although I had made more than the minimum payment. The company mis-posted that payment to XX/XX/2018, although I had already made more than the minimum payment in XX/XX/2018 on the due date.

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 2018-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Vitek Real Estate Industries Group, Inc.
State: CA

Complaint narrative:
What the agent would state on phone would be different of what he would put in text and email. Eventually had another agent working on file and then refused to put simple things in email. When I was not available by phone and wanted everything in writing. Wanted quote from other lending company had this agent send copy of file and they then took upon their-self to close application. Which XXXX  us up as we were in escrow! then I found out they omitted items that had to be counted, so they gave an approval that was not going to work and we would have lost house anyways. I lost money for inspections and other things told them they need to reimburse for not securing my approval. ( first agent talked to my of it going through underwriting when i found out it never did ) Not only did we lose money we lost house and has had the worst experience that has made it question if we ever want to buy now. Refused to fix the issue and tried to make it look as if i wanted them to close file. I have 61 pages ( that's not all correspondence ) showing the hassle and headache and the problems I pointed out from beginning. I got 5 different closing cost amounts all in one day from two different people. I was not informed of the inspections or other cost until my agent told me. I asked them about the class that is needed and still never received an answer but my agent confirmed I needed it. So many problems with the way they do business. I can keep going. I started talking to agent XX/XX/2018 and decided after all conversation we were ready and proceeded XX/XX/2018 but then everything he said changed. They options that they gave to " correct it '' was not an option and would cost us more. Plus it wouldn't be able to close and they did not follow guidelines and they put wrong information on the disclosures. I received two loan packets and both had different loan amounts and interest rates but both have same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting 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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Several times a year I get notified by Chase that they can't access my credit report to authorize my XXXX XXXX XXXX because my reporting agency is frozen. It is frozen because they tried to issue a fraudulent card in the past. I can't get them to quit accepting applications in my name. I will never do business with Chase resulting from this issue, ever! 

They keep telling me they can only send me those notices because they would be preventing anyone else with my name from applying. I'm the only one in XXXX CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: HI

Complaint narrative:
I have attached a complete statement with supporting documentation here. 

Briefly, I was contacted by two ( 2 ) credit reporting agencies I retain to monitor my credit report activity that Mr. Cooper/Nationstar Mortgage ( Cooper ) had filed notice of two ( 2 ) late or missed mortgage payments. 

In review, the alleged missed payments have been reported to the credit reporting agencies as XXXX and XXXX XXXX Cooper has applied payments made as of XXXX and XX/XX/2018 to months XXXX and XX/XX/2018, thus fraudulently attempting to induce the credit reporting agencies to lower my credit rating and make it appear I have not made timely payments according to Cooper billing statements and its notation that " I could rest assured the terms of my loan will remain the same, as transfers like this are common and do not reflect on the borrower in any way. '' Cooper has also failed to appropriately act on a County of Hawaii Real Property Tax Department exemption based on my VA XXXX XXXX status that has reduced my real property tax to {$200.00} for the fiscal year. Cooper has noted on its website that a refund is allowed to me for {$1000.00} plus from its escrow account, but is alleging the refund will not be processed due to my mortgage account not being current. Cooper has also failed in its recent assessment of the escrow account to reduce my tax payment based on the property tax exemption for the remainder of the year, thus my monthly mortgage payment has not been reduced. 

Finally, based on Cooper 's erroneous calculation in manipulating my timely mortgage payments, my credit score has been reduced by XXXX points placing my credit rating in an unsatisfactory category.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I bank with Wells Fargo. I used their XXXX bank transfer to submit a security deposit of {$260.00} for an apartment. Unfortunately, I was scammed. XXXX, is not afford fraud protection by Wells Fargo. I feel this is a misrepresentation of their services. I bank with the intention of having my money protected in case of an emergency. I would like my {$260.00} refunded because it only took about an hour to notice the fraud.

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 2018-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: NJ

Complaint narrative:
On XX/XX/2018 received notice/bill from Financial Corporation of America attempting to collect a false debt of {$490.00}, on behalf of a healthcare provider, for service ( s ) that I received on XX/XX/2018. Contacted my healthcare provider where services were rendered, and they have no knowledge of the debt amount nor company trying to collect! 
Called Financial Corporation on XX/XX/2018, spoke with representative " XXXX '' who could not & did not explain the charges or amount requested. I informed the rep that my services were covered & paid by my health insurance provider, and that I paid my portion/copay ( s ) of {$95.00} on XX/XX/2018. 

Financial Corporation of America are trying to collect a debt or amount that's not owed!!

Company response to consumer: Closed with explanation