vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC
State: MN

Complaint narrative:
My mortgage was transferred from XX/XX/XXXX XXXX XXXX XXXX Gregory Funding in XXXX in 2020. 
My taxes and homeowners insurance were escrowed with them. The lender did not pay the homeowners insurance policy when it was due, and my policy lapsed. In XXXX there was storm damage to the home and when I contacted my insurance agent to make a claim, i was informed the policy was not in force and I was not able to make a claim for the storm damage. In XXXX I sold the home and the lender did not respond with a payoff until the day of closing, after several request to them by the title company an myself. We closed the sale and paid off the mortgage on XX/XX/2020. the next week i received notice from the county that the property taxes were not paid from the escrow account by the lender and i owed the tax and late fees. On XX/XX/2020 I received a late notice from the lender that the XXXX payment was past due and I'm in default. Finally, on XX/XX/2020 the lender contacted the title company stating they will not satisfy the mortgage as the quoted the incorrect payoff amount and asked that I send them an additional {$2400.00}. They said the reason for the error was that they paid the property taxes after they submitted the payoff to the title company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
All 3 credit bureaus. Experian XXXX XXXX and XX/XX/XXXX. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. Experian XX/XX/XXXX and XXXX XXXX. I want this documents to be complied with an updated on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
All 3 credit bureaus. XX/XX/XXXX trans union and XX/XX/XXXX. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX XX/XX/XXXX and trans union. I want this documents to be complied with an updated on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
All 3 credit bureaus. XX/XX/XXXX XXXX XXXX and Equifax. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX Equifax and XXXX XXXX. I want this documents to be complied with an updated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3600.00} Date OpenedXXXX Dispute XXXX CARD XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$4600.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance {$530.00} Date OpenedXXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5900.00} written off. {$5900.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5900.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$18000.00} written off. {$20000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$20000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$970.00} past due as of XX/XX/2020. 
Account TypeCell Phone Balance {$970.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeFHA Mortgage Balance- Date OpenedXX/XX/XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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:
I requested a copy of my credit report from Transunion and they did send one. After analyzing information on my credit report from Transunion, I identified inaccurate information in regards to XX/XX/XXXX( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a dispute to Transunion about the inaccurate information pertaining to XX/XX/XXXX ( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a " Demand Letter '' for deletion of the account disputed ( XX/XX/XXXX ( auto loan ) acct # XXXX ) for " Non response. "

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 2020-11-04 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: IL

Complaint narrative:
The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.

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 2020-11-04 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: CA

Complaint narrative:
i just found out that there is an account with ( loanme No : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents

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 2020-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
Went to instaloan on XX/XX/XXXX with my XXXX XXXX XXXX to obtain a XXXX $ loan, was approved and given a debit card for the funds, after paying back approximately XXXX $ towards the loan, I borrowed XXXX $ and they started my payments again at XXXX $ a month for a year, spoken with instaloan to see where my XXXX $ went, and they will not send me a print out of my history, they just want to repossess my truck, which by the way is not running, based on another complaint I have with you, Thanks for any help you can do.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
messages left on a third party line with sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.

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 2020-11-04 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: CA

Complaint narrative:
i just found out that there are accounts with XXXX XXXX  and XXXX XXXX  XXXX  that do not belong to me. i have filed a ftc report to support my claim. i have never authorized these companies to run my credit or give me any loans. these loans are due to fraud. please see attached supporting documents

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 2020-11-04 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: IL

Complaint narrative:
XX/XX/2020 I sent dispute letters to TRANSUNION i have yet to see my dispute results. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 


XXXX/DEPT OF ED XXXX XXXX XXXX XXXX US TREASURYXXXX XXXX US TREASURYXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I rented a scooter for a day or two while visiting XXXX, XXXX in XXXX of 2018. The scooter rental company put a security deposit of {$230.00} on my card in case of damage. I was told that this security deposit would be returned a few days after I returned the scooter. 

I returned the scooter as instructed, in the proper place, at the proper time, with a full tank of gas and no damage. I took photos of the scooter upon returning it as well. I was told by a representative of XXXX XXXX that everything was fine and my deposit would be returned within a few days. A few days later, I returned to the United States. My security deposit was never returned to my credit card. I first reached out to the XXXX scooter rental company through email and XXXX. I was told that my security deposit would be returned in 30 - 45 days. Upon reaching out to them again through facebook, I was blocked. 

I contacted Bank of America to tell them about the fraud on my account and asked that they remove this charge from my credit card since this company scammed me. They refused. I asked for a response from XXXX XXXX with proof of damages. I asked Bank of America to get proof of damages from XXXX XXXX. Neither XXXX XXXX or Bank of America provided any proof of damage. All of my proof and documentation was ignored. 

Shortly after, it appeared that the scooter rental business shut down. 

After years of a good credit history with Bank of America, I decided to close my account with them due to this issue. I paid off everything except for the fraudulent charges.I maintain that these charges are fraudulent. I have documents with proof - photos of the scooter upon returning it, the company emailing that they would return the deposit, and more. 

At this point, the {$230.00} has now collected some interest on it. 

Bank of America is now reporting that I have a charge off on my credit history and it is affecting my ability to get open a card at another bank and may affect my ability to buy a house. This entire charge off is based on a fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04 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: Trojan Professional Services, Inc.
State: GA

Complaint narrative:
The XXXX XXXXXXXX XXXX XXXX XXXX  debt of {$530.00} was paid on XX/XX/XXXX. 

The Trojan Professional/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Company continues to report balance owed however I sent a debt validation letter over 30 days ago and received no written notification back or a contract from the debt collector showing how I owe this bill. The amount of the debt is lowering however I am not making any payments on this account as I have no information about the account. I have disputed this account with the credit bureaus and it keeps coming back verified however no information has been provided on how this debt is actually valid and how does this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MA

Complaint narrative:
I opened a DiscoverCard Bank Account, that would automatically pay my DiscoverCard bill when it came due. I have set a {$900.00} credit limit on the card because I have had my card number stolen on the internet twice and the second time they charged 2 items at {$1000.00} apiece. With my {$900.00} credit limit I have to watch my spending, but I do that. The DiscoverCard Bank was going to pay off my card on time. XXXX thru on XX/XX/XXXX my credit limit was in sight so I sent in {$300.00} to Discovercard, so my card would keep on working. So at the end of the month, instead of paying off the card in full, it only paid the balance left after my {$300.00} payment was taken in. I now at the beginning of XXXX XXXX XXXX ) I have less than {$400.00} credit left on the card, which with all the transactions for the month will not be enough. I called Discovercard and asked them to close the DiscoverBand account and put all the money into my Discovercard amount and close the DiscoverBank account. They said they could not do it - in my mind this is a SCAM - I can not transfer my own money from the 2 accounts I own. They have my money and they will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I received a Visa credit card from First National Bank of Omaha that I never applied for. I called and was told that my XXXX gas charge card was being discontinued and my account had automatically been moved to a Visa. I told them I did not want the Visa and was told to call XXXX to cancel. I called XXXX and was told the gas card would be closed effective Sunday and I would have to call the bank next week to cancel the Visa as they did not have my information yet ( but had still issued a card ). 

Now, instead of having a card with which the possibility of fraud only existed at a certain gas station, I was unwillingly given a card that would open me up to fraud a nywhere. In addition, adding a Visa would negatively affect my credit score and closing that Visa immediately on receipt would even further negatively affect my score. I was told that it was too bad and that sometimes things are just out of our control. I do not want this Visa, do not want any mention of this Visa on my credit score, and never applied for this card I was sent. First National Bank of Omaha will cause damage to my credit that will take a long time to rectify and it was forced on me without my request or consent. If there are truly bad trade practices, I believe this would be among the defining pictures.

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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint against JP Recovery Services with the CFPB ( Complaint # XXXX ). JP Recovery Services quickly responded claiming they verified the accounts with XXXX and that XXXX processed claims with XXXX and that XXXX paid the claims and the balance due is what is owed. XXXX is my primary and I also have a secondary insurance ; my health insurance covers 100 % of all medical expenses. I have had no medical bill not paid 100 % since becoming eligible for XXXX in XXXX. As outlined in the complaint ( XXXX ), I spoke to XXXX Billing on XX/XX/XXXX and XXXX made it clear that I do not have any balance with them. I DISPUTE THE VALIDITY OF THIS DEBT. JP Recovery Services response is in violation of the FDCPA as they clearly failed, by their immediate response, to verify with XXXX that the accounts are valid having been informed that I spoke to XXXX  on XX/XX/XXXX and XXXX, again, was clear, I do not have owe any balance to them. In light of JP Recovery Services response violating my rights under the FDCPA, I am submitting this second complaint against them and I am also filing a complaint against JP Recovery Services with the Maryland Attorney General 's Office of Consumer Protection Office - Health Education and Advocacy Unit. 

JP Recovery Services is in violation of the FDCPA. Their claims that I owe XXXX XXXX XXXX a balance is factually incorrect as verified by XXXX. 

cc : Maryland Attorney General Office of Consumer Protection , Health Education and Advocacy Unit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation