vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 72 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} not mine XXXX XXXX XXXX XXXXXXXX XXXX. XXXX {$810.00} not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$830.00} not mine XXXX   XXXX XXXX {$6800.00} not mine

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 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank holds the promissory note and collects mortgage payment on house that was awarded to my wife in a divorce in XXXX. My name has been removed from the deed of trust but remains on the promissory note. A quick deed and divorce decree showing legal ownership. In XXXX my exwife did a modification loan and refinanced without my consent. I dont know how I can be responsible for the new terms if legally I have nothing to do with the house. I been advised and received paperwork from US Bank to apply for a loan to buy the house to have my name removed from the promissory note. I have received paper work to resume an existing loan for a house which I all ready have a promissory note.

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 2018-07-17 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint #  XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as " duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed my XXXX Tax Return with a wrong Bank Account Number, included mistakenly by the Tax professional ( I gave her a check to get my bank account information ). I did not realize the mistake while signing. The refund amount is {$6500.00} USD ( XXXX XXXX XXXX XXXX XXXX Dollars ). 

On XX/XX/XXXX. IRS sent a direct deposit under my name with a wrong account number, Chase Bank made the deposit without consider the client name. IRS sent XXXX Notice to detail the bank account information. In this notice IRS asked me to contact Chase Bank ACH Department, who referred me to the Original Branch to ask the Manager to help to contact the owner of the account which received the deposit. The Manager XXXX XXXX XXXX did not accept to help me. 

I started to talk to IRS and the XXXX Chase Bank at least four times, trying to get their help or advise, but the Manager XXXX never did anything. 

On XX/XX/XXXX, I called back Chase Bank-ACH Department again, after I explained the whole situation to XXXX-Agent, he said that they could help me to get back my money if the wrong account belonged to a client from another bank but they can not help me because the account belongs to a Chase Bank Client. Once again XXXX-Agent asked me to go to the Branch 's Manager and ask for help to contact the person who received my money. I went back to the Branch Manager, to get the same response, NO. 

On XX/XX/XXXX. I sent a letter to IRS Tax Advocate Office who asked to go back to my tax professional or Bank to solve this because is their responsibility. On XX/XX/XXXX, I also sent a letter to XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  who is the tax professional who did my taxes, but she could not help me neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXXXXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My XXXX XXXX XXXXXXXX XXXX XXXX was transferred to LoanCare in XXXX XXXX. I have never missed a mortgage payment, or made any late payments. I've been paying my mortgage for 5 years. Since my loan was transferred to LoanCare, I have been receiving letters stating that my {$1600.00} month payment is now {$5.00}, XXXX. XXXX. Most recent letter states that if I don't remit required payment ; my credit rating will be jeopardized, and I may lose my home. The letter also stated that my mortgage is 2 months past due. The letter is originated from XXXX collection agency. I have never had a problem when I was making payments through XXXX XXXXXXXX XXXX. After receiving this recent letter, I can't sleep, and am so stressed-out about someone taking my home, or doing something worse ... XXXX knows what. This feels like harassment ; and very threatening. I see other complaints, and it seems no entity is doing anything to deal with this company. How long does this have to go on before something is done? Have we no protection anymore? I have copies of letters, but I would like a regular, intelligent human being to step-up and help me and other tax paying, mortgage paying, law abiding citizens to resolve this ongoing, and incredibly disturbing situation. Thank you, and look forward to hearing from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been attempting to get my report for way over a month, I've called I've written emails and the company is throwing up every roadblock there is. When attempting to pull my report, I get asked questions on accounts I never opened that aren't on any of the other credit reporting sites. I know that Equifax got hacked, and I believe that there is incorrect information on my report and that they are covering it up. The other possibility in they're incompetent, in that case they should not be allowed to operate a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am reaching out to you in regards to accounting issues with Resurgent Capital Services. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with XXXX XXXX XXXX. Upon transfer to Resurgent Capital Services an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XXXX, 2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, Resurgent Capital Services is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TX

Complaint narrative:
Dear CFPB, My name is XXXX, Im writing in to complain about Experian. 

They refuse to delete a charge off from a company XXXX XXXX XXXX : Ive disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. 

XXXX XXXX XXXX XXXX Account Number XX/XX/2013 Date Opened Recent Payment Amount Its seriously hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
My identity was stolen by someone and XXXX XXXXXXXX XXXX never contacted me to indicate that I owed a debt of any kind. I looked on my credit report and noticed a fraudulent account. I took the necessary steps but XXXX XXXX XXXX took the debt and they gave me the run around for an Affidavit which NEVER came to my house. They never indicated to me that they XXXX XXXX XXXX was very negligent in getting this issue resolved and they're using another party to collect this debt I do not owe. Thankfully, XXXXXXXX XXXX XXXXXXXX have sent the Affidavit and I am going through a painful process of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Focus Holding Company
State: FL

Complaint narrative:
XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NV

Complaint narrative:
I noticed the debt on my credit report and disputes with the credit bureau. The credit bureau stated the company verified the debt. I again disputed the debt as unknown and I received the same results. I contacted the company that's stating I owe the debt to inform of invalid account and they sent a letter showing a statement in my name. I again called and asked for proof that I signed up for that debt and I also asked for proof of a document showing they had the right to collect it and that they own it other than showing me a statement. The company sent the statement copy and nothing else. I then sent a certified letter stating the company had 10 days after receipt to provide me proof of my signage of this invalid account and proof of owning docs for this particular debt andnif not, they need to delete it ... and once again, the company provided me with their company letter showing the name of company owed which was not proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
After not paying my taxes for a year and half, they finally paid the taxes. This sent my Escrow account into the negative, which is understandable. They sent me a letter with the option to pay the escrow deficiency of {$10000.00}. The letter came with a coupon, which I returned with a check for {$10000.00}. This was posted to my account as a payment and the remaining went into principle. I called three times to get this correct before XX/XX/XXXX so I could make my XXXX payment at my original amount. Each time I was promised it would be correct and applied to my escrow account. It is still not corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Ive paid my debts and some of these claims i dont know who or what they are from. This is all incorrect on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: TX

Complaint narrative:
First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX  and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both  companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( Transunion, XXXX  and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 Transunion and XXXX   both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.

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