vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: LEXISNEXIS
State: CA

Complaint narrative:
I have requested XXXX, XXXX, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my Lexis Nexis profile be frozen. Following the investigation of the CFPB it was changed to Lexis Nexis as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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:
I have been a victim of identity theft. I have have a total of 10 collections on my equifax report and a total of 3 on my XXXX report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/19, I received a call from XXXX which showed as " XXXX XXXX '' on my caller ID. I answered the phone after confirming the number was from Synchrony Bank. The collector asked for me, and I said he was speaking to me, but my attorney needed to be contacted, as I signed Chapter XXXX Bankruptcy papers on XX/XX/19. The collector did not recite the mini Miranda ( which, XXXX XXXX did, even after I let them know to contact my attorney, their collector identified herself, the company, and recited the mini Miranda, as per FDCPA regulations ), did not identify himself, or the company ( so I do not even know which Synchrony Bank card he was calling about ), or ask me any information that would indicate I am who I said I was, other than my name ( most collection companies will ask some sort of identifying question ). I worked for a collection agency and I am very well-versed in FDCPA laws and guidelines. Regardless of quickly the conversation was, the collector is required to identify themselves & recite the mini Miranda.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX XXXX XXXX XXXX   Account : CLOSED - Account Number : XXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report. 

IN ADDITION >>> I have Notified EQUIFAX and XXXX SEVERAL TIMES Online, and By Phone with their Specialized Fraud Departments that AS THEY WELL KNOW that ALL of my personal information is public and available for sale on the underground web and that Fraudulent Attempts to use my Identity are still being made and inquiries are being placed on my credit report and I am receiving calls from Creditors Regarding opening up a new account as a result. I reported the inquiries as FRAUDULENT to Equifax & XXXX and they Insisted I contact the creditors and Request them to remove them due to their being fraud which I did - But they ALL sent me back to Equifax & XXXX - WHO REFUSED TO DO ANYTHING ... so ONCE AGAIN I AM STUCK WITH FRAUDULENT INFORMATION ON MY CREDIT REPORT WITH ONLY THEM DUE TO THEIR REFUSING TO OBEY FEDERAL LAWS AND REMOVE CONFIRMED FRAUDULENT ACTIVITY FROM MY FILE. Equifax and XXXX Need to Obey Federal laws to the Letter ... or my next Step is a BILLION DOLLAR FEDERAL CLASS ACTION LAWSUIT AGAINST THEM. FIX THESE ISSUES NOW!!!!! OR SEE YOU IN COURT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I have reason to believe the mortgage company we are in partnership with over our modular home, Ditech ( a XXXX XXXX ) whose headquarters are in XXXX XXXX, SD XXXX ( XXXX ), is taking advantage of the loan servicing agreement by either placing hidden fees in the cost of the monthly payment or misappropriating the monthly payment in various ways. 

I purchased the XXXX modular home in XXXX of XXXX with a high interest rate of 13.75 %, but a loan agreement for 20 years, which will signify the end of that loan agreement this year in XXXX. 

However, I still owe {$13000.00} on the principal balance and a deferred balance of {$1800.00} with several calls to Ditech 's Customer Service department several times in the last few months beginning Monday, XX/XX/XXXX ( XXXX ) and ending today, Thursday, XX/XX/XXXX ( XXXX ). 

And since that time I have had nothing but issues with changed account numbers, a separate account number specifically geared for home owner 's insurance and requests for ALL the paperwork regarding our contract agreement and recorded call-in notes. Ditech 's Customer Service department has assured me they were taking care of my business relationship with them, but they've failed me in more ways than I care to explain at this time and now, I want answers as to why I still must pay {$13000.00} on a modular home for another 3 to 4 more years on top of deferred payments amount of XXXX because something they've done is the exact opposite of ethical and fair. 

The account numbers for home loan balance is : XXXX OR XXXX. The account number for home owner 's insurance is : XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have been trying to transfer my American Express membership rewards to airlines for 3 weeks ( from XX/XX/XXXX ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review. 
I then filed a CFPB complaint and American Express released my rewards on XX/XX/XXXX stating they have completed the review. I redeemed some of my rewards to airlines on XX/XX/XXXX, but American Express FROZE my rewards AGAIN on XX/XX/XXXX. I only had normal spending on XX/XX/XXXX and really don't understand the reason why American Express put my account under review AGAIN. This is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Our mortgage payment has remained the same for quite a while. Recently I noticed a small decrease in our monthly payment which was then ( after three months ) followed by a significant increase in our monthly payments. As I investigated the reasoning for this I discovered that the monthly PMI was being paid for in random ways. For example, it may not be paid one month and then be billed twice as much the next month. At one point there were four months worth of PMI paid for from our escrow account a one time. While this was occurring we were informed that there was an escrow shortage. Our monthly payments were increased by just over $ XXXX/month. The lender is unable to explain why the PMI has been taken erratically, why there is an escrow shortage, and can not justify the amount of the monthly increase. Numerous calls to the company have resulted in no results and continued promises to investigate that are not accomplished.

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 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I charges on my Chase INK Credit card number XXXX a trip through XXXX XXXX  for {$1900.00} ( I will attach the XX/XX/XXXX billing on the subject card showing the charge ). The trip was to commence on XX/XX/XXXX. 

In XX/XX/XXXX I received an email from the XXXX XXXX XXXX which advised that XXXX was being suspended for having insufficient working capital, or being insolvent. Since the air flight and hotels was to be paid from the {$1900.00}, they obviously embezzled those funds for other purposes. See the attachment : XX/XX/XXXX letter. 

Since the above account was closed I was unable to dispute the charge on-line, so I called customer service and got the run around, including Supervisor XXXX in Chase 's Fraud Department. She refused to give her full name, and refused to move the matter to someone who to access the account. She was completely unhelpful. I sent to Chase through the XXXX XXXX XXXX the 2 issues ( see Chase Internal message XXXX XXXX -- attached ). That message also was an attempt to confirm your receipt of my attachments to this letter. 

The message XXXX XXXX from your Fraud Department ( why this was sent to them is unknown to me when it is a disputed charge ) wherein they too indicated that they were unable to find the account. Today I spend another hour wasting time calling the number provided in the message to no avail. The Credit Bureau specialist was my last contact. He found the account, but could only get to XX/XX/XXXX statement. He gave me an address to transmit a written complaint and dispute ( letter attached ). 

The INK Chase Credit Card advised that purchases were insured, and that I was protected against fraudulent conduct by merchants. 

Chase 's responses has always been that they can not locate the account, therefore they can do nothing. 

A friend and travel companion, XXXX XXXX used his same Chase Ink Card,  and they refunded his charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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:
I have been a victim of identity theft. I have have a total of 10 collections on my XXXX report and a total of 3 on my experian report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.

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 2019-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/19 I sent a certified letter requestisng to validate some accounts and inquires on my credit report to Experian. The letter was recv per USPS on XX/XX/19 and I never recv a response. 

On XX/XX/19 I sent another letter regarding Failure to Respond and it is my understanding they have 15 days to respond and the letter was recv on XX/XX/19 and the only letter that I have recv is the " Important Information '' about how they process a dispute as required by law. 

Per the Fair Debt Collection Act, 1 : USC 1692g Sec809 ( b ) I have the right to validate my debt and under the act if it is claimed I owe money. Under Fair Debt Collection Practice act that the title act adv that Unverifible accounts must be removed and if the CBR cant provide proof of the debt.

I gave the credit bureau enough time and they have failed me. This is hurting my credit and stopping me from home ownership.

Can CFPB take ownership and have my issue resloved?

Thanks on 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 2019-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION
State: SC

Complaint narrative:
XX/XX/19 received letter in mail regarding denial of car loan due to credit score Called number listed Was asked to give my social Told there was no information and to call the dealer. 
Company was regional acceptance cooperation

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 2019-03-28 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:
I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The amount says I still owe on cards that is paid OFF! XXXX  Balance!!!!!!

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 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Mortgage has applied illegally insurance to my escrow account which has obligated me to pay twice for the same risk and coverage. This is illegal. I have contacted them several times and They only answer with no technical explanation. I have provided insurance for the structure of the building were my unit is built and they referred to that insurance as a blanket which is not. This insurance covered the unit as stated in the certificates I have sent since I own that unit.Condiominium policies have specific ISO form the Insurance Service Office which it is not remotely what Rushmore Mortgage intend to portrait. They are requesting an HO6 form which esentially is, content of the unit coverage which for a 800 sqf unit is no more than {$10000.00}. They illegally charged me for insurance for the same value of the loan. Insurance is for the replacement cost value as I have explained them several times. In this case the unit has full coverage of the structures and evrything under a special form insurance which they can obrtain from ISO but They believe that they can do this to offset his own blanket policy which basically is an insurance for their business. CFPB needs to act in this complain because it is damaging many middle class homeowners increasing their monthly payments and creating another recession which at the end of the day damage middle class since the investor receive a bail out which would be also charged to the middle class taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I learned that a XXXX credit card had been opened in my name as a result of doing a loan application. I filled out and completed the fraud process and they notified me that whomever opened the account had made payments towards the balance and because this was irregular activity they were denying my claim. I submitted police reports and documents supporting that the account was not mine, and in fact opened in conjunction with other accounts via usesge of an ID I had lost, that I submitted even more documention from the XXXX, and they still denied the claim due to irregularities

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and 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 2019-03-28 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:
I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I used to have credit card with XXXX XXXX XXXX.but the interest was very hight and I filed for bankrupt, but they said their dept was not included, I started to pay them, but any time I made a payment, the amount did not reduce, I called them they said the money goes to the interest. Then I stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On today 's date, XX/XX/2019 i have made my second phone call to Equifax regarding existing dispute remarks. 

For security purposes, I was asked " what is the month an year when you'd last time you received information from Equifax? '' This question was asked to me today by both a representative as well as her supervisor. 

I called a month or two ago, and was asked the same question. My answer is " Its been a few years, can you ask me another question for security verification? '' I was told that these questions are automatically generated, so if i do not know the answer, I can not be helped. 

This is a silly question and my credit specialist agrees. 

This is preventing me from buying a home loan and I need to have dispute remarks removed from my credit report immediately. 

With that, I did request information and dispute remark removal 10-15 business days ago, and I have not heard back. I do not know what more I can do.

Company response to consumer: Closed with explanation