vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 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: NY

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws:15 USC 1681623 ( a ) of FCRA/FACTA , I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

VIOLATIONS OF CREDITORS & EXXXX : VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS  AND ACCOUNTS TO BE REMOVED : XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Chargeoff High Balance is reporting as {$6500.00} and in another report it is saying {$11000.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT. 

XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Charge High Balance is reporting as {$11000.00} and in another report, it is reporting as {$6500.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY 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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 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: GA

Complaint narrative:
XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, I have a problem with Citi bank on the checking account opening promotion. I opened the account in XXXX with the promise of {$500.00} as bonus. And i have met all of their requirements. And they said the bonus will be deposited by XX/XX/2018. But it did not happen. 

I called and they launched an investigation for a month. On XX/XX/2018, they said I was not eligible. I called again. They said they made a mistake and launched a second investigation. And I called both its cooperate customer service, the branch and the online chatting, but all of them just made me wait! 

The customer service representatives said everything looks fine but I was just being put away. 

I had to keep all of my money there for the account to be qualified and I feel they are just dragging the process. And it starts to feel like a spam. 

Could you please help me?

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 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: GA

Complaint narrative:
XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2018-12-05 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: SD

Complaint narrative:
I just want to say that I was unable to access all three of my reports due to technical difficulties and not being clear on how to navigate back to annual credit report.com to view the other reports. This needs to be fixed and repaired. Now my only option if I want to see the other two credit reports is to pay for them? How is this a government safety net that I get free credit report if I dont understand how to navigate back to be able to see them all? Guess I have to pay for them now? NOT FAIR!  Terrible terrible & awful website navigation icons/directions. 

So what do I do now? Im buying a house and I need to be able to look at all three of my credit reports and now I am unable to because they say Ive already gotten it for the year. However as I explained above I was unable to navigate back and look at the other two reports. Also Equifax said that they were unable to provide my credit report online that I would have to mail away for it.So how  my supposed to repair my credit or check it if Im unable to see it? I have to qualify for a loan in 30 days I cant wait for Equifax to mail me a report, if they get around to it, and I dont want to have to pay for it because I am entitled to a free credit report from all three bureaus which I did not receive. I received one from XXXX. I need my credit reports. please get back to me XXXX or email me at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.

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 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
A lady named XXXX from Penn Credit Corp first called me on XX/XX/18 at XXXX XXXX. I called back the same night, XX/XX/18, at XXXX XXXX. She immediately asks me for my personal information in order to verify who I am so that she can tell me what this alleged debt pertains to. She would not tell me what company she's representing or what the debt is. I told her that she has to mail me something, and she refused to. She said she will not tell me anything or mail me anything because " she doesn't know who I am. '' I again repeated, " I don't know who YOU are. '' And she said something like, " Well that's ok if you want to act like that, '' and hung up on me. She/the company has since called me again on XX/XX/18 at XXXX XXXX  and XX/XX/18 at XXXX XXXX. I have not answered, and I have blocked the number. I have not received anything in the mail. This is some type of scam. I check XXXX at least once a day, and I am 100 % positive I have no outstanding/unaccounted for debts. I settled all of my debts last year. 

How she's violating my rights, per your website : will not/has not sent me a written " validation notice '' within five days of first contacting me. Will not tell me how much money I owe or the creditor I owe it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Problem with personal statement of dispute
Company: Sarma
State: VA

Complaint narrative:
SARMA NCS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company has placed a hard inquiry on my credit report. I do not know who this company is and have never applied for credit with them. 

DISPUTE : Per the instructions of the credit bureau, I filed a disputer DISPUTE RESPONSE : I have been informed by all 3 credit bureaus that the item reported on my credit report was reported to them by Sarma and that I must contact Sarma for removal. 

SARMA RESPONSE I contacted Sarma, who has told me that they are not a credit bureau and that I need to dispute this with the credit bureaus. I wrote Sarma a second letter attaching a copy of what I was told from the credit bureaus. Sarma responded to me stating that I must contact the credit bureaus for removal. 

FAILURE TO PROVIDE INFORMATION : I have requested from Sarma information regarding the application they are saying I submitted for credit. They have refused to comply and direct me back to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: AL

Complaint narrative:
XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called CBNA customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a 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 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My mother passed away 9 months prior, and I have been paying and dealing with her mortgage and small estate since. The house was sold as of XX/XX/XXXX no thanks to BoA who nearly ruined closing being unable to provide us with a payoff letter until my brother found an automated system which apparently none of the reps in the Mortgage department knew about. 

The problem now is the remaining balance in the mortgage 's property tax escrow account. I have been attempting to deal with BoA for over a month. They insisted on sending a check to the address of the house that was sold against my instructions. The check was unfortunately not forwarded by USPS and was lost. In the meantime I send them every document they asked for losing them on 2 occasions. I sent them a death certificate and a properly filled out and notarized Illinois Small Estate Affidavit. They refuse to reissue the check and send it to my new address. I have called their mortgage department twice. I spent 30 minutes with a rep who first told me flat out that they will not accept the small estate affidavit. She then started giving me incorrect legal instructions to have it filed with the county which I immediately called her on. She then told me she would escalate the issue. 

I then faxed them a copy of the Illinois statute with the relevant portions underlined. Illinois statute requires them to accept a properly filled out and notarized small estate affidavit. Bank of America 's  own website says they accept small estate affidavits in compliance with state laws. I have not heard from their escalation department in the agreed upon 48 hour timeline.

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 2018-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION
State: MS

Complaint narrative:
We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate 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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX after sending hacking reports and police reports still has done nothing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ERC
State: NY

Complaint narrative:
I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1900.00}. My balance remaining is still somewhere around {$700.00}. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I submitted a complaint previously and no resolution was reached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation