vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
Fraudulent Accounts *REMOVE* XXXX XXXX XXXX XXXX  # XXXX FRAUDULENT ACCOUNT REMOVE XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT REMOVE *Fraudulent inquiries REMOVE* XXXX XXXX XXXXXX/XX/XXXX REMOVE XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American violated my Federally Protected consumer rights. American Express also committed identity theft and 9 other violations under the FDCPA.

Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692c ( 2 ) ( A ) 15 USC 16
92e ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
ON XX/XX/XXXX I sent a complaint to the company Experian complaint number ending in XXXX regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Experian is now in default must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.

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 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have tried to resolved this matter with the bank among other things. I offered to do a short pay off. I have submitted all documents necessary and asked for the bank to do an appraisal. I have requested the amount and copy of the appraisal and I have yet to receive this information as of date. The bank did not want to do a short pay off with no explanation. I also offered a deed in lieu. The bank ordered a title search on the property, and after approximately 4 years ( if memory serves me correctly ), I was told there is a lien on the property. The bank refuse to tell me who holds the lien. Therefore, I am unable to resolve the lien and turn the property over to the bank.

The lender has not cooperated and this process has been going on with the bank for over 11 years. This is the second foreclosure that the bank has initiated, first one was initiated in 2009.

I did not file for bankruptcy nor have I filed an answer to the complaint to delay the proceeding. I just do not want a foreclosure to be on my record and the bank continuously refuses to mitigate the problem. I am still open to raise money to satisfy the debt according to a current appraisal on an as is value or as an alternative surrender the property with a deed in lieu. I believe the bank may have a problem with standing and that is why there are continuing with the foreclosure. They lack standing and they are trying to acquire the title to the property through a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resolve Partners, LLC
State: IN

Complaint narrative:
I completed an application to rent a residual property. I sent the application without my SSN due to the SSN guidelines. Your SSN is only to be shared with your current employer for SSN benefits administration. Resolve Partners, who is a third party rental application review company, retrieved my SSN some how illegally without my consent and pulled a credit report on me. That credit report was then shared with XXXX XXXX of XXXX. XXXX XXXX of XXXX then reviewed my credit report and denied my application to rent from them. I communicated to Property Management of XXXX that they were in violation of the FCRA act and SSN Act for having my credit report pulled without my consent and illegally obtaining my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
I have had hardship with making payments on XXXX XXXX XXXX XXXX, XXXX, Texas XXXX due to Loss of income/Employment from Covid-19 and expenses have increase. I am seeking a request for mortgage assistance in resolving this property debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
The medical procedure was performed in XXXX however the billing was not submitted until XXXX, this violates Texas Civil Practice & Remedies Code Title 6 Chapter 146.002 & 003 ( see the attached offer for settlement ). Furthermore the provider acknowledges the debt was paid and no further amounts were owed ( see attached paid account ). 

The account has been placed in collection in retaliation for a bad medical procedure and threats against them for malpractice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX and Equifax were contacted via phone to dispute several fraudulent and unauthorized inquiries on my credit report. These inquiries were not authorized with my consent. I want these removed cause they are causing harm to my credit profile. This matter is urgent and needs to be handle n XXXX items needed for deletion : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax items needed for deletion : XXXX XXXX  - XXXX XXXX - XXXX ; XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am having a problem with XXXX on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. XXXX did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that XXXX corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been trying for 2 months to have 2 fraudulent charges removed from my account. Both charges occurred on XX/XX/XXXX. Both charges were to the same vendor. Both charges were for {$1100.00} to a vendor called OMI ( total of {$2300.00} ) I have called the credit card company at least 15 times. I have faxed documentation and have had the documentation acknowledged as received. I have been told the charges will be removed. As of today the charges are still on my card

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a HELOC with Wells Fargo Bank, NA that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by Wells Fargo dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called Wells Fargo three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and XXXX ) both times they will not update the information because Wells is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.

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 2021-09-16 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I leased an apartment for my father. - My father completed the lease and went on a month to month lease. While staying in the apartment my father had several issues, such as a dead mouse in the Air Conditioner and the last item that caused him to leave was a full flood of the apartment due to a maintenance issue. My father alerted the apartment complex in verbal and written communication, that due to the flood he would be leaving the apartment since it was not livable. It wasn't until we were contact by an attorneys office did we have any information that they had sent me to a collections company for not giving 30 days notice. I have tried to dispute this with the attorney and the apartment complex several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am trying to refinance my mortgage to take advantage of lower rates. If I do that without this charge taken away Ill have to pay it, which would amount to robbery. Please help. 

My loan with XXXX was transferred to XXXX XXXX, XXXX, d/b/a " XXXX '' on XX/XX/XXXX, from JP Morgan Chase Bank XXXX Docs say XXXX is servicing, but when I asked if they were the owners, they said yes.?? 

Chase has been a problem as well. In XXXX I arranged with them to pay my HOA, XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX, dues through escrow. They paid them late several times. The HOA is NOT forgiving. I later took away the request for Chase to pay the HOA dues. 

When XXXX took over the loan, I noticed on the statement there was under Lender Paid Expenses a charge for " legal fees '' for {$790.00}. Totally clueless, I called XXXX and was told only that it was a charge from Chase that they had paid on my behalf and that I owed. I called Chase and got nothing. I sent them a letter on XX/XX/XXXX. I got a letter reply a couple months later that basically said they were working on it. Nothing since. Then, XXXX happened. 

Until that is paid or dismissed they will not allow me to pay down the principal. There is no reason that Chase should have incurred any charge on my behalf and certainly not one that was kept secret and still hasn't been fully disclosed. 
It might have been the HOA filing because of late fees, which they paid late several times. 

Or, it might have to do with the escrow account. I had a problem once with them paying the yearly insurance twice and trying to up my monthly payment to cover it. 

How can Chase be forced to give me the details? I do not owe this charge and, since I didnt even know about it, I certainly never agreed. As the person being held responsible for the charge, BOTH parties ( whoever they are ) should be held accountable for not immediately notifying me of the situation ( whatever it was ). I need to get that charge taken off my account. If you need what docs I have, let me know ( statements, letters, notes ). Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I received a letter from ONLINE INFORMATION SERVICES and they alleged creditor is XXXX XXXX XXXX XXXX XXXX XXXX. They stated in the letter this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for {$120.00} and I know I can not pay on a positive. This was a consumer credit transaction so I have no debt owed. They also were in violation of the federal laws and they have received my invoice for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Today 's date is XX/XX/XXXX. For the last two years I have received a phone call from Portfolio Recovery. It is different phone number each time and they never leave a message. I have written to the company but have had no reply. My credit rating is 825+ and I have no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services notified me in XXXX of this year they had purchased my VA mortgage loan from XXXX XXXX. I immediately sent them notification regarding my insurance company, their address and phone number. 

I received a letter from Carrington dated XX/XX/XXXX of this year indicating they had not received evidence I had hazard insurance and threatened to buy insurance for my property ( at elevated rates, of course ). 

When I could not immediately reach my insurance agent I called my insurance company 's home office ( XXXX ) and spoke with a young lady named XXXX who said she would fax them a copy of the Declaration Page that day. 

At that time I also send a copy of the Declaration Page to Carrington by snail mail as a back up. 

I reached my local agent, XXXX XXXX XXXX, on or about XX/XX/XXXX. She assured me she would immediately fax Carrington the Declaration Page at the phone number listed in their request letter. 

On XX/XX/XXXX a review of the status of my insurance policy remained listed as unpaid and Carrington was still requesting the same Declaration Page submitted to them at least three times previous. 

Today I again submitted for the 4th time the Declaration Page which Carrington refuses to acknowledge. This I submitted the requested documentation through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX This account is not accurate. This account show an inaccurate date of being reported as well as the date the account was opened is also wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CHARLES SCHWAB CORPORATION, THE
State: ME

Complaint narrative:
I placed an order on XXXX, in XX/XX/2020. The purchase was made using my card connected to my Charles Schwab card ending in XXXX. I do not remember the exact amount of the purchase, but it was around {$1300.00}. I never received the device that I had purchased, and open the dispute with Charles Schwab. The dispute was resolved in my favor, and I received a credit for about {$1300.00}. After, I continued with Charles Schwab for a few more months before eventually closing my account. Sometime after the account was closed, Charles Schwab reversed the dispute without merit, causing the closed account to incur a negative balance of about {$1300.00} plus additional fees.

Company response to consumer: Closed with explanation