vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Last fall, following the widely publicized Equifax data breach, I checked the social security numbers for myself and four dependents ( spouse + XXXX children ) and submitted applications after the Equifax check tool confirmed we had been exposed. On XX/XX/XXXX, I received five emails with links and immediately set up five TrustedID  accounts for the purpose of monitoring our credit for the ensuing 12 ( maybe 24? ) month period, as promised and mandated. Or so I thought. After roughly six months of hearing nothing, for anyone, I became concerned as several credit card accounts have been opened ( and some closed ) during this period, and we should have been notified of the same if we were in fact being monitored. I must have spoken with 5 or 6 different representatives from Equifax at this point ( including an unsuccessful attempt to speak with XXXX who called on XX/XX/XXXX following very poor survey feedback that I sent in after being requested to do so, and the last of which was a supervisor named XXXX XXXX, and then an extremely rude floor supervisor named XXXX/employee #  XXXX, would not give full name ), none of whom were helpful or had a solution ... or cared, really. They claimed that none of the accounts were in fact set up, and stated that the TrustedID program is no longer in effect ( not sure how the former could be the case based on the emails, which were also sent to them, and how the latter could be true as the monitoring was to continue for at least 1 year and the program did not begin until last fall at the earliest ). They said I could " purchase '' identity protection with one of their other programs, or put a credit freeze on the accounts neither of which was the purpose for which I was calling, to exercise the right to the service to which we were wholly entitled. So, having exhausted my options with Equifax, I have now made a formal appeal to you on our collective behalf in an effort to help resolve this long-running issue with Equifax. I am sure we are not the only ones in this situation. Thank you in advance for your consideration and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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:
My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.

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 2018-06-25 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:
My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on 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 2018-06-25 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: IL

Complaint narrative:
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
In XXXX of 2018 I was introduced to XXXX XXXX of Guaranteed Rate by my Then Real Estate Agent XXXX XXXX XXXX because his wife is a manager there. The lender asked me to put a XXXX charge on my charge card for an appraisal ... but pursuant to XXXX XXXX  '' The lender will request an appraisal straight from the VA website. VA will then select an approved appraiser.. Then on XXXX XX/XX/2018, XXXX XXXX my then real estate agent sent me an email saying for me to go to my email an electronically sign a closing document.Upon reading the form I noticed that the lender was charging me the funding fee.. Pursuant to XXXX  '' Veterans receiving VA Compensation for service connected XXXX do not have to pay funding fee. '' I HAVE A PERMANENT AND TOTALLY XXXX VETERAN..PLEASE NOTE THE CLOSING DOCUMENT STATED ... XXXX WAS DUE FROM THE BORROWER AT CLOSING.. BUT I WAS ONLY PRE-APPROVED FOR XXXX DOLLARS..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with the account listed under XXXX and XXXX. I requested a validation on XX/XX/2018 as there were 2 accounts that appeared to be duplicate. On XX/XX/2018 I received a response that one account was removed as it was duplicate however XXXX and XXXX still failed to validate the other account. A 2nd validation request for the remaining account was sent out on XX/XX/2018 to which I received a response on XX/XX/2018. The response I received consisted only of a copy of the response dated on XX/XX/2018 along with a statement from XXXX XXXX XXXX XXXX. The statement they provided did not include any information reflecting that they attempted to run the charge through insurance coverage that was effective on date of service nor that XXXX and XXXX has authorization to legally access my medical records and to attempt to collect on this account. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus however the account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: TX

Complaint narrative:
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( TransUnion, XXXX and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be 4.1 % with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at 4.5 %. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.

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 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I have not received a letter in regards to the debt or been notified of my rights to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My company is XXXX XXXX XXXX XXXX, I am a licensed real estate broker in the state of Florida. I have been hired by the owner of the home XXXX XXXX XXXX, XXXX, FL XXXX to sell her home in XX/XX/2018. Do to the condition of the home and the market, the offers in conjunction with the closing fees have made it necessary to request the bank to complete a short sale. The company that is handling the short sale is a servicing company called XXXX XXXX XXXX , XXXX. I have been authorized to speak on behalf of the seller to discuss with the bank the process of the short sale. The owner and myself have diligently done everything we can to work with the XXXX XXXX XXXX XXXX. 
The reason for my complaint is I feel that XXXX XXXX XXXX XXXX. is with intention, fraudulently delaying the process of the short sale in order to collect serving fees from its investors. I have literally called XXXX XXXX XXXX XXXX. 30 plus times ( nearly everyday ) and every time I call them they tell me I have to have a new document that is required. Literally every time I call they make up a new document that could have easily been supplied 60 days ago. Even though each time I call them they tell me that after this new document that they now have every document. The very next day I will call and they literally make up a new requirement. We have supplied SPS the same documents literally XXXX and 3 times. I will call one day and they will tell me they have everything and then the next day they have a new requirement that they said was always required but the last XXXX people in 60 days somehow missed. Today I just spend an hour on the phone today with XXXX XXXX the XXXX supervisor I have had to escalate my call to in the past three weeks. Now last week they told me they have everything. Today as I was on the phone ( this has literally has happened 30 times ) XXXX tells me I need two more documents. I am not exaggerating, literally every time I call them they come up with a new document that was not mentioned to me in the past 30 calls. Today it was the listing agreement. The home was listed 90 days ago. All of a sudden they need this document though it has been supplied 2 other times. Then they needed written authorization for me to talk on the account even though I have been authorized to talk on the account the past 30 calls today a new requirement is they need it in writing. 
Literally everyday they create a new document, I am not talking about just critical document but ones they come up with everyday as a new requirement that has nothing substantial to do with the sales process. 
I truly and honestly believe this company is committing fraud. They are purposely delaying the process in order to collect fees from their investors. Please investigate the operations of this company. They are doing this with intent. My conversations are recorded. The calls are documented. The loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was trying to open a dispute with Chase Freedom credit card starting XX/XX/2018, the day I faxed a request to open a purchase dispute. On XX/XX/XXXX I was informed that the Chase didnt receive the fax, even though I have a proof that the fax has being received. The same day, the XX/XX/XXXX, I emailed via secure messages a request to open a dispute. On XX/XX/XXXX I received an email from Chase : We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that the dispute wasnt opened. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that no one was assigned to the dispute. It has been 25 days, and nothing has been done by the Chase credit card company. 
The item in dispute was received and signed for by the seller via XXXX XXXX on XX/XX/2018. 
I would like to resolve the dispute as soon as possible. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I wrote Portfolio Recovery trying to obtain more information on an alleged debt. I sent them a letter asking for more information and they simply sent me a billing statement from them ( PRA ) not the original company who said debt is valid. I am asking that this be removed from my credit report unless they can prove it is my debt. This debt is from XXXX 2012 in the amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: IL

Complaint narrative:
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.

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 2018-06-25 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: IL

Complaint narrative:
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity.

I still have not heard from the bureau regarding my dispute last month.

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 2018-06-25 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: VA

Complaint narrative:
In XXXX I was a victim of fraud and the XXXX Security Breach and I have been disputing items on my Equifax and XXXX credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with Equifax they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with Equifax and XXXX. As of today XX/XX/XXXX my credit score with XXXX is a XXXX and Equifax is a XXXX. My credit score is up and down as it pertains to Equifax and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. Equifax is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with Equifax they drop my score instead of completing the updates in which they were instructed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Apparently, I placed a " security freeze '' on my account of this year on XX/XX/2018. That is false information considering I would have no reason to put a freeze on my account, did not give authorization to anyone to do this and have received no proof of me initiating this freeze. I did not receive anything in the mail in regards to this either. I am beside myself in this matter and so tired of getting the run around, loosing two contracts now on homes I wanted to purchase and the lack of empathy in this ordeal by being told, '' We have on our records that you do not have a freeze on your account and we can no longer help you ''. This has been told to me by numerous people on the phone. I have provided you all with emails and documentation for your records. Any insight with this situation would be extremely helpful. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tried to add wife to saving acct. Could not accomplish it with help of cust service reps ( 3 attempts ) ..They wanted to combine on line access with credit card. They could not accomplish and as a result they suspended the credit card! 

They became very uncooperative and combative. We both got very frustrated. I received a notification that money could only be transferred for my savings account with their approval. This was a separate transaction. Can they dictate when I can withdraw MY money?

Company response to consumer: Closed with non-monetary relief