vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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: CA

Complaint narrative:
I contacted XXXX  two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX  XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I has my mortgage with boa until yesterday when my loan was transferred to XXXX   XXXX. I was never notified either by phone, email or letter by boa about this situation. 

On the other hand I just received a notification by XXXX telling me that they are taking over the loan.. 

I have been paying within the month of my regular payment so I have never been late. I even have a representative from boa that call me regularly to verify that I was able to make the payment within the month.. again i always paid within the month no late payments ... he never mentioned that boa will be transferring my loan. 

I believe boa is not a bank to be trusted for consumers, they take advantage due to their position in the market. They should notified if they are going to do this before hand. 

Note ... since my loan was erased from boa website I not sure if this was a conventional o or FHA loan.. 

Regards

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 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clark County Collection Service
State: NV

Complaint narrative:
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX this debt for XXXX XXXX XXXX XXXX XXXX was discharged. Then I received a bill from Clark county collections on XX/XX/XXXX, I promptly called the number and left a message that I was disputing the debt due to the bk and that payments had been made to XXXX XXXX XXXX XXXX XXXX and the amount of the notice stated XXXX was owed and they reported account in XX/XX/XXXX before letter was sent and the balance reported is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXXXXXX XXXX XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX   both need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the 3 major Credit Reporting Agencies and it was removed from 2 out of the 3. The response from XXXX  was that XXXX XXXX certified it as mine. I then sent XXXX XXXX ( the Furnisher ) a direct dispute via certified mail according to my rights ( FCRA and CFR 660.4 )  but never received a response. The letter was signed for by XXXX XXXX according to my proof of receipt ( see attached ). This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness. I would like it deleted from my XXXX credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reach out to Equifax and XXXX, on several occasions about XXXX XXXX reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and Equifax and XXXX was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My cosigner died XX/XX/XXXX and Navient is attempting to call the note due, contrary to their public statement they would cease doing so. My payments have never hit 30 days late in 3 years but I have been turned down for cosigner release or refinance due to credit issues ( mainly stemming from prioritizing the 10 year repayment on this cosigned loan so as to never miss that payment ). 

The auto default clause is still actively being enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reach out to XXXX and transunion, on several occasions about XXXX XXXX  reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and XXXX and transunion was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..

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 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a MONEY account for my baby sister who was XXXX at the time to help her learn how to manage her money. She hasnt lived with me since XX/XX/XXXX. Recently the account went into a huge negative, {$4900.00}. Causing the bank to place all accounts on hold. My personal checking, savings, my XXXX old sons MONEY account, my XXXX old nephew savings and my husbands checking. I contacted Capital One the next day and asked to be removed from the acct and was told I couldnt be due to the balance. I explained to them that I shave no idea where my sister is and had been trying to get in contact with her to see how she intended to fix this and was told that Im responsible for repaying this debt. This account in particular has NEVER received a deposit for more than $ XXXX/mo but they allowed 4 FRAUDULENT checks to clear without making any contact with me but now want to hold me responsible for. I could have advised them to at least hold the checks to make sure they clear The young lady also explained that she had me on hold for soling to make sure I had NOTHING to do with wherever scam my sister was involved in. She advised me to file a police report but the officer said my sister would have to be the one to file it since the checks were written to and cashed by her. Bc my family last told me thst she wasnt working and was not looking to do so. Im a single mother, whos divorcing her husband and trying to continue to feed my son and keep my job. Ive made several attempts to reach out to her and its all been a dead end. Please help me!!!! I can not afford to pay for a debt I didnt make on my own. I also have the images provided by mail for all of these at home ... I can provide these as well if needed. Ive also been attempting to get in contact with their Customer Resilience Dept but due to my work schedule and their hours ... Ive had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.

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 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
This is not mine. I have never been to XXXX XXXX in my life, don't even know who or where it is. There has been a fraud alert placed on credit report and this company is damaging my life and breaking the law

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 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TX

Complaint narrative:
I have reached out to Equifax numerous times over the past 2 years in regards to fraudulent accounts reporting on my credit with XXXX XXXX XXXX XXXX XXXX. The following accounts are not mine : XXXX {$8600.00} opened XX/XX/XXXX XXXX {$1300.00} opened XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX and reported the fraudulent accounts also. Equifax removed these accounts from my credit XX/XX/XXXX and now they are back on my credit. These are fraudulent accounts that I never opened with this bank and Equifax states they are investigating this information however it keeps appearing on my credit. I am attaching my police report as well as fraud affidavit and letters that I have sent to Equifax. This needs to be corrected immediately or I will have to take legal action against Equifax for not following the law in regards to fraud victims. Please assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom Mortgage has repeatedly not credited timely payments by holding up the processing of these payments until after the " late payment date ''. Then the following invoice includes a " late fee '' for not making a timely payment. In this case, the payment was not processed for 3 weeks after the payment was made. As this continues, late payments accrue as it is not possible to receive the next months invoice ( with the new " late charges '' ) in time to pay the next, which based on their processing times exceed three weeks. The last time this happened, they refused to apply my payment because it did not include the " late fee '' and hit me with a credit ding for being 30 days past due. Of course I had no idea it was processed after the deadline, as all of these payments are automatic through my on-line bill payment. 
It seems Freedom Mortgage is using this technique to skim an additional payment on each mortgage payment. It seems irrelevant when they receive payment, they only credit the payment when it is " processed '', which is entirely up to 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 2018-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I have an automobile loan with Honda Financial Services. I will admit I'm a slow pay ; however, I have never been 30+ days late. However, once the grace period ends, Honda Financial Services collectors call on an average of 3 - 5 times a day. I have asked them every time that they call to please stop calling me so many times a day that it is bordering on harassment and that I would report them to the appropriate authorities. 

Their response to me was go ahead. We don't care. The regulators do nothing and won't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
Around XX/XX/XXXX I canceled my service with XXXX XXXX XXXX XXXX due to poor a poor level of service. The internet they provided oftentimes failed to exceed speeds of 2MB/S even though they claimed the service was 10mb/s. After canceling I was informed by the company that I owed an installation fee and a disconnect fee neither or which had been agreed to either orally or in writing prior to that date. I submitted a cease and desist letter to XXXX XXXX XXXX XXXX around XX/XX/XXXX and they ceased collection activities. 

Five years later, XXXX XXXX XXXX XXXX has bought out XXXX XXXX XXXX XXXX and decided that they are allowed to collect the debt that was never valid in the first place. I receive notice from " Online Services '' that I had an active collection account for a company I had never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says XXXX XXXX. My name is not XXXX!!! My full legal name is XXXX XXXX XXXX.XXXX is a guys name and XXXX is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! This debt is CLEARLY not verified and clearly is not mine!!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation