vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 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: NY

Complaint narrative:
I Requested from the credit bureau equifax on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In  Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically.

I have also filed a complaint/report with XXXX XXXX XXXX Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc 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 2017-12-21 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 recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc 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 2017-12-21 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: FL

Complaint narrative:
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained. 

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: VA

Complaint narrative:
On XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I opened a credit card from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX  for the amount of {$810.00}. I immediately fell into economic hardship and was unable to pay for my credit card. The credit card company was not willing to work with me during my economic hardship and it has only worsened my situation. My hardship still continues and is directly affecting my chances of acquiring a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke transunion to show the same information as the other three as all should be the same.

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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility 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 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
All times are in Pacific time zone.

( Tues,XX/XX/XXXX at XXXX XXXX  ) From my XXXX XXXX account, I sent an outbound wire to XXXX at XXXX XXXX onXX/XX/XXXX for the amount of {$21000.00} USD. The time is before the cutoff time of XXXX XXXX and I also checked with my bank that it was sent successfully.

( Tues, XX/XX/XXXX at XXXX XXXX ) I open a support ticket with XXXX ( Case # XXXX ) with the following message : I have verified that the wire was sent to XXXX at XXXX on XX/XX/XXXX( for the amount of {$21000.00} USD ), which is before the cutoff time and I also checked with my bank ( XX/XX/XXXX ) that it was sent successfully. However, I am still not seeing the funds in my XXXX  account. My understanding is that if it 's sent before XXXX it would appear in the same day. Can you please take a look into it?

( Wed, XX/XX/XXXX at XXXX XXXX ) I receive an email from XXXX about a message : ATTN YR ABOVE REF, WIRE DTD XXXX IAO XXXX PLEASE BE ADVISED OUR COMPLIANCE DEPT HAS REQUEST FULL NAME, MAILING ADDRESS, WHAT DO THE INITIALS TSS STAND FOR OUR XXXX NO INDEMNITY INTENDED. AVOID DUPLICATION. REGARDS It appeared that I had put the wrong name in the recipient 's name field. Instead of putting Coinbase, Inc, I put my own name. I realize my mistake and I ask the agent to send an addendum to the wire.

( Thu, XX/XX/XXXX at XXXX XXXX ) I receive from XXXX the Bank Ref number : XXXX

( Thu, XX/XX/XXXX at XX/XX/XXXX) I include the Bank Ref number in XXXX XXXX  support ticket ( Case # XXXX ).

( Tue,XX/XX/XXXX at XXXX XXXX ) I add a note to XXXX XXXX support ticket ( Case # XXXX ) with the following message : It is XX/XX/XXXX and I have yet to see it deposited in my account. This is extremely frustrating that I am not getting any response from the support team. Can someone please look into it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: FL

Complaint narrative:
XXXX XXXX ran a credit report for a loan without my consent, never the loan results was consulted with me, and I was not interested in any of their stuck vehicle. This wil result in lowering my credit score. Was informed by 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 2017-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Used Wells Fargo Cash Wise Visa Card 's " Cellular Telephone Protection '' benefit. Contacted customer service representative & began claims process on XXXX XXXX XXXX ( claim number : XXXX ). After submitting all necessary information, my claim was under review. On XXXX XXXX XXXX my claim was denied due to certain types of damage not covered ( I had issues with my cell phone 's microphone not working ). 

I contacted customer service and they told me it was due to electrical/mechanical issues of cell phones are not covered under this benefit. However, on their Cell Phone Protection Guide to Benefits ( located here : https :  //www08.wellsfargomedia.comXXXX ) there is no clause that states that. The agreement I have with this benefit should cover the reimbursement of my charges, but customer service repeatedly denied my claim.

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 2017-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.

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 2017-12-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Since opening my account with Citi Bank, every single payment that has been made has been held, for no reason, for anywhere from 1-3 weeks without being credited. I have never had a single missed payment, bounced payment or other issue that would cause this. Furthermore, I have paid my account on time every single month and paid much more than the minimum payment regularly. When I have spoken to Citi about  this, they have told me that they have no idea why this is happeneing. Every time I escalate the matter to a " supervisor '', they promise to " investigate '' the matter and reach back out but that never happens and the issue never gets resolved. Right now, I have a payment that I made for {$250.00} on XXXX/XXXX/XXXX. This payment came out of my checking account as PENDING on XXXX/XXXX/XXXX and POSTED to the checking account XXXX/XXXX/XXXX. My payment has not reflected in my available credit as of XXXX/XXXX/XXXX. Upon reaching out to Citi, they again informed me that it is ON HOLD until XXXX/XXXX/XXXX with no reason or justification why. 

I want this matter resolved and I want all future payments to my account credited in a timely manner. I have numerous credit cards with numerous other companies and every single one credits the payment ( generally ) to my available credit within 48 business hours. Citi should be doing the same.

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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2017 the company Account Control Technologies contacted me by phone at XXXX which is my local time as I presently reside in XXXX XXXX CA. This is way before the XXXX requirement and was extremely disruptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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: GA

Complaint narrative:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***

Company response to consumer: Closed with non-monetary relief