vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL

Complaint narrative:
Collection agency and law firm repeated harassment and motion for civil action on an issue that I have repeatedly requested a statement of balance, interest, and fees owed on the alleged debt with XXXX XXXX, copy of the original signed contract. To date I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NE

Complaint narrative:
A check for over XXXX that was improperly endorsed was allowed to be withdrawn from my account and not paid to the company the check was made out to. They said they found the money and it would be in my account XX/XX/2019 and it is not. Now I can't log into my account from home. 

Us bank XXXX XXXX XXXXr XXXX ne XXXX XXXX is the direct line to the gentlemen I spoke with yesterday. 

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 non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AN UNAUTHORIZED PAYMENT OF {$760.00} WAS TAKEN OUT OF MY ACCOUNT FROM MY INSURANCE COMPANY WHICH I DISCOVERED WHILE MAKING MY MONTHLY INSURANCE PAYMENT I IMMEDIATELY CALLED AMERICAN EXPRESS TO HAVE THAT {$760.00} PAYMENT REVERSED BACK TO MY ACCOUNT ONLY TO BE TOLD IT'LL BE UNDER INVESTIGATION SO IN THE MEANTIME I'M OUT OF OVER {$1000.00} MY REGULAR PAYMENT TO MY INSURANCE INCLUDED IT'S BEEN ALMOST 2 WEEKS MY BILL COLLECTORS CALLING MY BILLS LATE XXXX I'M XXXX I DON'T HAVE AUTO PAY WHAT IS THE XXXX PROBLEM WITH PUTTING MY MONEY BACK INTO MY ACCOUNT I'M APPALLED I WOULD NEVER RECCOMEND BLUEBIRD AMERICAN EXPRESS TO ANYONE ALIVE THIS IS RIDICULOUS THEY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Failure to provide written response within 30 days to a request to remove PMI. 
I sent a letter with supporting documentation to LoanCare by certified return receipt mail that was delivered on XX/XX/2019 to the company. I received a letter dated XX/XX/19 stating that I would receive a response within 30 days of LoanCare receiving my letter on XX/XX/19. Today is XX/XX/19 and the company has failed to respond within the required timeframe. 

I have tried to call their mortgage resolution department at XXXX during business hours numerous times, leaving a message each time asking for someone to call me with no response. 
Original loan : {$230000.00} Current balance : {$130000.00} 10+yrs and I can't seem to get them to drop the PMI. The loan balance has been well under the 80 % loan to value mark for many years. I'm tired of paying $ 80+ per month for PMI. 
Please help! 

Thanks, XXXX XXXX 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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Around 2012 I paid this card with proof from bank and it was sent to collections by original bank. Now Cach LLC will not accept it was paid with proof and it remains on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX alerted me that XXXX opened a credit file on me twice since XX/XX/XXXX. I never requested products or services from XXXX. The only option for resolution was to send an email to XXXX, which I did on XX/XX/XXXX. XXXX should not be able to open such a credit file without a request from me. I fear someone else may have done so fraudulently.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is charging overdraft fees of {$35.00} when there is clearly enough funds in the account to cover a posted item. This has happened twice in the past week, the latest time causing my account to be overdrawn.

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 monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I had attempted to modify my Suntrust accounts in 2013 at that time I had never missed a payment, they would not look at a modification unless I was late, they suggested to miss a payment and then file the modification application and they would not report my credit file as a missed payment. I did as they said and now all these years later I see a missed payment mark on my credit file and want it corrected.

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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX has a charge on my ( 3 ) Credit Report for {$3600.00} for a Credit Card debt. I never had a XXXX XXXX Credit Card. 
In XX/XX/XXXX this account was open ... In XX/XX/XXXX it was removed. 
In XX/XX/XXXX. XXXX it again report on my credit report as me opening it. 
Then it was reported to XX/XX/XXXX it was reported on my credit reports. 

The reference number under Cach Llc/Resurgent Cap is XXXX Balance {$3600.00} Original Creditor : Not Available COLLECTIONS XXXX ( XXXX XXXX XXXX XXXX ) Act. # XXXX Opened XXXX Reported Closed Condition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: DISCOVER BANK
State: CT

Complaint narrative:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

All accounts were removed except " DISCOVER FIN SVCS LLC '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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 contacted the credit breau Equifax and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with Equifax it never got taken off my credit report so I file a FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made a purchase on XXXX / XX/XX/XXXX for {$1500.00} in promotional ( 12 months on interest ) at AMAZON XXXX XXXX CARD ( Synchrony Bank ) On XXXX / XX/XX/XXXX I returned the purchase and was refunded the same amount I paid. At the next bill the value continued. I called the customer service ( XXXX ) and explained the situation, they told me that in the next two bills would not appear anymore. 
I didn't pay attention until this month ( XXXX / XXXX XXXX when I was charged interest ( {$360.00} ) on that purchase. 
I checked the previous bills, and I found the amount ( {$1500.00} ) in all of them, and charged payments. 
In my calculations I paid {$1100.00} including {$360.00} of interest. 
I called again and they said was nothing wrong.

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 monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I notified American Express and I reported my credit card lost/stolen but I told them there was no fraud activity on that card number ending XXXX ( the new card number ) and the next day I was trying added this card to XXXX XXXX and American Express has blocked my card for fraud in which is false and told me I need to fax in some documents back to them in 15 days ... and I explain to them I dont have any ID or social security card to send them over and I have a police report and they refused to accept that neither nor the supervisor would and i have the police report from XXXX XXXX police department # XXXX and once again they refused to accept it ... I will be closing my account in about a month this is the third American Express has put my account in fraud review

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a Direct Dispute which was submitted to Transunion for investigation. It has been almost two months and Transunion is saying that this is still under investigation. I submitted the dispute to Transunion on XX/XX/XXXX. Today is XX/XX/XXXX. This morning I checked the status details and it is only indicated that the status is Under investigation and that it the investigation should be completed by XX/XX/XXXX. 

The item that I submitted to be disputed is : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX Original creditor XXXX   OpenedXX/XX/XXXX ( 11 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX Report info

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 2019-07-23 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: NC

Complaint narrative:
I filed a dispute with Equifax for my XXXX XXXX XXXX account that was reporting on my credit report incorrectly. Equifax sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received the results of the 2nd investigation back and Equifax has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. Equifax has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted the credit breau XXXX  and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with XXXX  it never got taken off my credit report so I file a FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage is refusing to update my information with the all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). I have reached out to Freedom Mortgage in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with XXXX whom requested an update from Freedom Mortgage but Freedom replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with XXXX on XX/XX/2019.

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 2019-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter from LOANCARE , LLC regarding loan number # XXXX, that my hazard insurance is not renewed for the year XXXX. My insurance renewal date is mid XXXX. I immediately contacted my insurance and reactivated my hazard insurance, and they inform me that the reason for cancellation was lack of payment by the mortgage company after repeated attempts.Subsequently I was informed by LOANCARE that I have to pay {$2300.00} for some hazard insurance that they paid for in XXXX. I send them a dispute letter on XX/XX/XXXX, basically complaining that they misled me in having hazard insurance, exposed me to one year of potemtial loss of property risk. I also requested the followings : 1. Please provide me with copy of insurance you purchased and a copy of any attempt that you tried to notify me of the situation from XX/XX/XXXX through XX/XX/XXXX. 
2. Please explain why my tax breakdown of XXXX received in XXXX of XXXX still shows that my original insurance was paid via my escrow account. 
3. Please provide the reason why my original insurance was not paid as being claimed by XXXX XXXX insurance. 
4. I further requested that why I am being charged with PMI although I have paid more than 20 % of my original house value. 

I just received a letter from them ( yesterday XX/XX/XXXX ), totally ignoring my request, and demanding the full payment. To me this is totally unacceptable and violating my rights as a citizen. They are not accountable for what they have done with my money ; such as what happened to the payment in my escrow account, money paid for PMI payment, and why I was not provided with any timely notification. 

I have the copy of my dispute letter and a copy of registered mail which was received by ithem ( see a copy of the letter in the attached file ). There is also a general confusion of whom I am dealing with ; XXXX XXXX XXXXs, loancare services, or insurance center, etc. This is like a maze and there is no single point of contact with physical address ( they all have PO Boxes ).

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 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/19 I purchased a XXXX XXXX Money Order from XXXX for {$260.00} to make a payment on My Car Loan with XXXX XXXX XXXX XXXX. The payment never was Credited to my Loan Account. I went to XXXX XXXX and they performed a Search for the payment in their system and could not find it. They told me to contact XXXX XXXX and find out who XXXX XXXX   paid for the Money Order and XXXX XXXX said it was Regions Bank. I went to Regions Bank and they told me they can't search their records for it due to the Privacy Act. I asked XXXX XXXX to contact Regions, one financial institution to another to help me get the money back. XXXX XXXX said Regions would not help them. I filed complaints with FL Atty General against XXXX XXXX and Regions Bank. They sent it to the FL Office of Financial Regulation. The OFR said they could not help me on the Complaint against XXXX XXXX. I asked about the Complaint Against Regions Bank and the referred me to you. Please see all my attached correspondence and the actual Money Order in question for {$260.00}.

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 2019-07-23 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: NC

Complaint narrative:
I filed a dispute with TranUnion for a few accounts which were XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX that were reporting on my credit report incorrectly. TransUnion sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received notice that the investigation was completed and so i checked my TransUnion report online and nothing has changed nor has TransUnion has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. TransUnion has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capitol One  has a charge on my (3) Credit Report for $XXXX for a Credit Card debt.  I never had a Capitol One Credit Card.  
In XX/XX/XXXX this account was open... In XX/XX/XXXX it was removed.
In XX/XX/XXXX it again report on my credit report as me opening it.
Then it was reported to XX/XX/XXXX it was reported on my credit reports.

The reference number under
XXXX XXXX XXXX is XXXX  
Balance $XXXX

Original Creditor: Not Available

COLLECTIONS

XXXX********** (XXXX XXXX XXXX XXXX)
Act. #
XX/XX/XXXX
Opened
XX/XX/XXXX
Reported
Closed
Condition

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CT

Complaint narrative:
I submitted an Identity Theft Report to the all 3 Credit  Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

All accounts were removed except " XXXX XXXX XXXX XXXX '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in  which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from 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 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates continues to call me from multiple different numbers no less than 7-10x per day. I have disputed the debt with all 3 credit bureaus and they continue to harass me.

Company response to consumer: Closed with non-monetary relief