vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: NV

Complaint narrative:
I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft 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 non-monetary relief
Consumer complaint received 2019-03-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank issued me a XXXX for the chaged off balance and still reporting full balance of {$8200.00}. 
On XX/XX/2019 Disputed to 3 credit Breau 's and came back verified as correct 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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter to CAPITAL ONE BANK USA NA asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
This mortgage company has made SO MANY errors in the servicing of my mortgage. I did not choose them - they purchased my mortgage shortly after I closed on my home in XX/XX/XXXX. My escrow account had to be re-analyzed THREE times due to clerical errors. Initial increase in my payment of $ XXXX/month was paid for XXXX & XX/XX/XXXX. I did the homework & sent both , county & city actual taxes due on XX/XX/XXXX. They transposed numbers on one & did not update the other. When all was finally corrected, my actual payment increase was only {$37.00}. In XXXX, insurance renewal time, I asked them to withhold payment of initial premium notice, as I wished to shop & make changes to the policy. After two weeks, I gave them the revised premium & the OK to proceed with payment. They acknowledged receipt of the corrected declarations page. Two weeks later, the payment had still not posted, and I became concerned, as the due date was 2 weeks away. When it was finally released, they paid the INITIAL premium, not the one I asked them to!! I am currently waiting on a refund that will be processed by my insurance company.

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 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: WA

Complaint narrative:
XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: WA

Complaint narrative:
XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.

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 2019-03-12 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:
showing wrong date of birth names ftc violation mistakes on my college loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: FL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX XXXX asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file

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 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Received a text message without a notification that the message was an attempt to collect a debt from XXXX, which is illegal. Supposedly this is eos cca.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TX

Complaint narrative:
showing wrong date of birth names ftc violation mistakes on my college loans

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 2019-03-12 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: TX

Complaint narrative:
showing wrong date of birth names ftc violation mistakes on my college loans

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 2019-03-12 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: GA

Complaint narrative:
On or about XXXXXXXX XXXX an erroneous collection appeared on my Equifax credit report. After an investigation, this account was deleted. It was written that this account be deleted permanently. XXXX of XXXX, I was mailed a letter from Equifax stating that the account has been deleted. On or about XXXX of XXXX, I received notification from my credit monitoring service that This collection account, XXXX XXXX, was added to my Equifax report again. FCRA 611 ( a ) ( 5 ) ( b ) states only after the initial investigation, on the 31st day can a debt be reinserted to a credit file. Even in these cases, the Reporting agency ; in this case Equifax, must notify the consumer in writing at the minimum five days prior to the reinsertion. This did NOT happen. Equifax continues to violate FCRA laws, as if they aren't governed by these laws. Equifax, also placed a fraud alert on my account without my request, as a response to my inquiry on why they have violated the fair credit reporting act, and allowed this debt to be re-aged and reinserted.ILLEGALLY. According to FCRA section 609 ( a ) ( 1 ) Please  provide my entire consumer history on this account, as I prepare to file a suit, as you are in direct violation, and it is proven. In the interim, please RE-delete this collection, XXXX XXXX, as you have not done your due diligence, to ensure that I am properly protected under the FCRA, and to the standards that are in place for your agency as one of the major reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I closed on a house XX/XX/XXXX. I have made a payment every month of around XXXX. XX/XX/XXXX I made another payment to XXXX XXXX for the XX/XX/XXXX due date, it came out of my bank account on XX/XX/XXXX, not knowing they had transferred my loan to Mr.Cooper. I have called both agencies countless times trying to find the money. XXXX XXXX said they transferred the full payment. I eventually found out from Mr. cooper my account was transferred in XXXX. I have called mr cooper several times over the last few months seeing if they had found the payment. They kept telling me they would look into it and contact me as soon as they found something out or received payment. I would get three to four phone calls a week from their automated service trying to get me to make a payment. After a few calls, when Id answer, it would just be static and noise, no talking or anything. So I made them remove me from the call list. Today I went to make a payment because I had to wait to get the checks from both of my jobs to deposit in the bank to pay the XX/XX/XXXX payment ( which would technically be XX/XX/XXXX since Im still a month behind due to them not having my XXXX payment ) but when I saw that my new payment with two months due was {$1600.00}, I panicked. I couldnt even make a partial payment because they required at least 50 % of total due. I only had XXXX. When I called to figure out why my payment increased that much, after finally understanding since this is my first home, they made a tax payment at the end of 2018 which set my escrow balance at - {$2300.00}. The statement says lowest projected escrow balance at XX/XX/XXXX is - {$2900.00}, minimum amount {$680.00} for two months, amount to be current {$3600.00}. If I was to pay the full amount it would still leave my monthly payments {$770.00}, which theres no way I could just come up with the money to pay all at once. If the amount was added to the 12 months I would have to pay {$1000.00} a month. I got a USDA loan because I do not make a lot of money and rent isnt that affordable. However Im also not at all capable of a thousand dollar a month payment on top of all of my other bills. Now that Ive had help understanding this, I see how theyve screwed me. Ill be happy to provide any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
XXXX XXXX has month-to-month only membership plans ; there are no long term plans where a member is contracted to pay any month beyond the current. I chose not to renew my membership and was never once contacted by XXXX informing me of any amount owed. There was never a bill, past due notice, or any communication whatsoever stating that my account was still open and money was owed. 

I just received a collections notice that stated I owed {$270.00} for this non-existent membership. I contacted XXXX and they were of no help whatsoever, unable to put me in contact with anyone who has knowledge of this sort of issue. 

Lastly, the collections notice contained no information about the account for which this supposed debt originates. This is most likely due to the fact that there is not XXXX account for which money is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: MO

Complaint narrative:
I was effected by the eqaifax security breach at the time of the breach I was buying a home and all my personal info was exsposed including ssn dob drivers license number and bank info. Theives have opened credit cards in my name taken over my bank account which has caused me to fall behind on my mortgage and Im now facing foreclosure. I have contacted the credit bureaus along with the card companies trying to get things fixed and have had no luck I can even get eqaifaxs identity insurance to file a claim to help me get some of my losses recovered

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
My loan was recently sold by XXXX XXXX  to Flagstar Mortgage. Prior to the sale, I went through the process to have mortgage insurance removed from the account. I paid for two appraisals and had many communications with XXXX. I have a letter in hand from XXXX dated XX/XX/2018 stating that they had removed mortgage insurance from my account. 

When my loan was sold to Flagstar, I noticed in my online account that mortgage insurance had been put back on my account. Although it's now significantly less than what it had been with XXXX, it's my understanding that this is a violation of the Home Owner 's Equity Protection Act. Series of attempts tried by me to get this rectified : 1.When I first notice this in either late XXXX or early, I called Flagstar and asked them to remove it. They asked me to send an email to their PMI department. I did and received the automated reply that they'd get back to me and they did not. 

2. So, I called on XX/XX/XXXX ... They said that they need a copy of the letter XXXX sent me, so I sent it in. No response other than the same automated email. 

3. I called again on XX/XX/XXXX ... Now they want a copy of the appraisal. Sent it on over and guess what? No response. 

4. XX/XX/XXXX. Now they want me to get a letter from XXXX showing the effective date of the removal. I've been on hold with XXXX 's automated phone line for 45 minutes and counting. 

I've never missed a payment on this mortgage, took all the steps asked of me to get it removed, had it removed, and now it's on me to keep following up with these guys to see what else they can think of to get me to keep wasting my time on? I really don't find it to be fair or amusing to have to jump through any more hoops with these guys.

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2019, I tried to purchase a vehicle but was told that I needed to unfreeze my Experian report. I called Experian on Monday, I have spent 3hrs holding on the phone, I have been passed around, and still my credit report remains frozen. I moved states for a new job and I can not open a new bank account or a buy a car because Experian is awful. I had no issues with XXXX or XXXX, at this point I feel as if my credit report is being held hostage and I deeply regret ever freezing my experian 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 non-monetary relief
Consumer complaint received 2019-03-12 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: GA

Complaint narrative:
On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( TU ) and XXXX ( XXXX ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for XXXX  and Transunion stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am attempting to obtain the XXXX form from my mortgage company in order to file my XXXX taxes. Capital One was my mortgage company for close to 10 years until XX/XX/XXXX. In XX/XX/XXXX they sold my mortgage to " XXXX XXXX XXXX ''. The new company can provide XXXX information only for XX/XX/XXXX to the present. They told me I need to go back to Capital One for any information I need before that date. 

Here 's the problem I'm confronted with. Capital One completely erased any information related to their mortgages off of their website so any mortgage information you want to obtain before XX/XX/XXXX is gone. Capital One no longer has anyone I can contact to ask any questions about my mortgage. The only Phone number ( XXXX ) XXXX has a recording that tells you there is no one available to help you with mortgage questions. You need to write a letter with any questions to a P.O.Box. 

Capital One XXXX XXXX XXXX  XXXX, Minnesota XXXX The recording states they will send out XXXX forms by the end of XX/XX/XXXX. I did not receive the XXXX. If I write them a letter at this point I do not know that I will receive a XXXX in time to file my taxes by XX/XX/XXXX as there is no one there I can contact. 

In addition Capital One paid some taxes for me in the amount of {$2300.00} for XXXX in XX/XX/XXXX. They charged me {$3200.00} in XX/XX/XXXXfor taxes. I want to know the reason for the discrepancy and get an accounting because I do not have an escrow account with them.

Company response to consumer: Closed with explanation