vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: WA

Complaint narrative:
My credit report lists XXXX XXXX XXXX ( XXXX ) as the original company with my XXXX XXXX Credit card. However, multiple other companies have reached out to me to collect a debt I settled. In XXXX, AllTran was the first company to is seek to collect the {$820.00} on behalf of XXXX. I searched online for XXXX and the website directed me to XXXX. Then, I got emails from XXXX, to settle this account for {$280.00}, I took that offer and paid that amount around XX/XX/XXXX, and received an email stating my account was now settled. After making the payment, XXXX, emailed me back to tell me, they no longer handling to account, that XXXX  is. So, I replied and told them I will take back my payment as that's not what was agreed upon. They replied stating the account was settled. 
I received a call from AllTran in regards to this account. I am not sure who exactly is responsible for this account as I have settled this account and should no longer be responsible. XXXX  should not be able to keep trying to collect any more money from me. I agreed to pay XXXX as agreed and this is also who is listed as the company that debited my bank account. I'm frustrated and confused as to why multiple companies on behalf of XXXX is still trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Automated Collection Services, Inc.
State: AL

Complaint narrative:
I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it 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 above. 

According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), the collection agency 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. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and XXXX and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: AL

Complaint narrative:
I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it 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 above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency 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. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and Transunion and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.

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 2019-04-11 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: AL

Complaint narrative:
I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the Experian, XXXX  and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as XXXX, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy  court replied they did not verify anything.

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
XXXX XXXX XXXX is the current Servicer of my mortgage. I purchased my home in XXXX for {$350000.00}. I put {$270000.00} down with a mortgage of {$80000.00}. 

I have refinanced it to meet my divorce obligations. 

The last refinance was with XXXX. It was given to Bank XXXX XXXX I learned last week in XXXX. 

I was on a Trial Period of XXXX with Bank XXXX XXXX They refused to modify the mortgage and added {$200000.00} to my principle while XXXX had added approximately {$50000.00} to the principal balance. 
I received a package from XXXX stating that they were Servicing my loan. They ignored my 18 months of mortgage payments and added another {$360000.00} to my principal balance as a balloon mortgage that would become payable in 30years. 

XXXX told me in XXXX that if I didn't sign their mortgage modification that they would foreclose on my home. 

I believed them because there were many Foreclosures going on. 

I was unable to pay my mortgage in XX/XX/XXXX and just recently started a new job. 

Approximately 3 weeks ago I learned that I was being foreclosed upon. I was terribly perplexed because on XX/XX/XXXX, the date on the letter, stated that I should contact them. 

I contacted them to find out my options. Surely I was afraid to modify my loan again because they might have added a couple more hundred thousands to my principal balance. I asked for a reinstatement balance I just received it yesterday. 
Meanwhile, they are trying to foreclose on my home and trying to lie about owing interest in land that I purchased besides my home. 
They have no interest in it at all. My Title states that they don't. 
The Mortgage doesn't even State the metes and bounds. 

Quite frankly, this mortgage has kept me uneasy for years. A quiet killer. I could not obtain credit to maintain my home or even get a parent plus loan for my daughters college tuition. It has caused us great harm and embarrassment. How can Banks and Mortgage Companies continue to be allowed to take tremendous advantage of their customers like this. This is extreme predatory lending practices. Also, for them to try to foreclose on property that they have no legal interest adds to the injury. I have to retain an Attorney to try to stop the madness. To have a Bank enter a Judgement of default when they didn't even properly service me is a travesty. I need your help. The people of this Country deserve better. I could be homeless and actually should be nearly finished paying for my home. 
The legal proceedings in XXXX XXXX, New Jersey should be halted. I shouldn't have to incur legal fees for their abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX a payment of {$840.00} was removed from my escrow for a Hazard House Insurance Policy for annual coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX, a payment of {$1300.00} was removed from my escrow account for an annual Flood Insurance Policy for coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX a payment of {$1900.00} was paid to the same flood company for a second flood payment that I was not informed about. I went to the bank on Wednesday, XX/XX/XXXX to inquire and was told that another bank, which I had an Equity Line of Credit ( {$16000.00} ), requested this additional insurance. I requested to cancel it because Double coverage is illegal, although I was forced to pay it for the last 5 years and was told because they had no fax number for the bank that implemented this flood insurance, they couldn't cancel it. However, they stated if I payed {$4000.00}  my account would be back in good standing. I have paid into this house for 25 years on a 30 year mortgage and the game playing between the two banks and the Insurance Company is a bit too obvious that they are intentionally depleting my escrow, forcing astronomical flood pricing to bully me to refinance or have me removed from my home.

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX   XXXX, Account Number XXXXXXXXXXXXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXXXXXXXXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX, Account Number XXXXXXXXXXX, Date OpenedXX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
We closed on our house at XXXX XXXX XXXX in XXXX, Idaho, XXXX. We finally got our settlement statement. We moved to our property at XXXX XXXX XXXX, XXXX XXXX, Idaho XXXX. They sent it to our document dated XX/XX/XXXX, that we received today ( XX/XX/XXXX ). The loan was through XXXX XXXX XXXX XXXX. The loan was serviced by Dovenmuehle Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ill. XXXX. Phone XXXX. We paid off the XXXX XXXX XXXX   property XX/XX/XXXX ( when we mailed the check ) that is serviced through XXXX XXXX XXXX XXXX, serviced by Dovenmuehle Mortgage ( same as above ). We have yet to receive that payoff statement. I am sure it will be sent to the XXXX XXXX address. We have called, sent in forms to get the address updated, etc. To no avail. This is important sensitive documents that I need to be finalized and in my possession. There is no reason that this huge time delay pushes me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: PA

Complaint narrative:
Equifax Confirmation # XXXX I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hold an account with Bank of America. 

I've had nothing but problems with my checking account and deposits being held over an extended period of time for reasons unknown, even after asking customer service specifically what holds were for, answers were extremely vague and just not true, as I had even verified funds myself prior to depositing checks, written from the same bank, and still holds were placed for max amount of time. 

Not only were deposit holds placed, but my account has even been debited in the amount of the check deposited after the funds had cleared. It appears in my recent activity as if I spent the money after cashing my check. 

Please let contact me back at earliest convenience and I hope to speak with you soon. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: AL

Complaint narrative:
I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, XXXX and Transunion to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.

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 2019-04-11 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: AL

Complaint narrative:
I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the XXXX, Equifax and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as PACER, XXXX XXXX  or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy court replied they did not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
this account was closed due to a major discrepincey with the provider after i lost my phone i was not allowed to file an insurance claim and was told to pay for a completely new device the ceo was contacted and the account was closed now a third party has the account and ive made arrangements directly with XXXX to have this discharged the third party when dealt with can not provide proper debt validation and therefore is in violation of policy of the fcra

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 2019-04-11 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: PA

Complaint narrative:
File Number # XXXX I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: FL

Complaint narrative:
report XX/XX/2015 {$2200.00} I ordered my credit report and found out this fraudulent account on my 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 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Its ridiculous how they solve a company and I will send the APR wants to go up late fees want to go up is ridiculous I dont think its fair

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 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXXXXXX Routing No XXXX I am attaching the police report as a result of identity theft

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