vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 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:
I wrote to Equifax vi a USPS Priority ma il with a delivery date of  XXXX / XXXX / 2017 . In that letter I asked them to verify under the  FCR Act, section 609 ( a ) ( 1 ) ( A )  an unverified item on my credit report which was   XXXX   XXXX    XXXX  and   XXXX     XXXX    XXXX   XXXX  . On  XXXX / XXXX / 2017  Equifax came to the conclusion that the items were mine without sending me any physical verification that the debt was mine. In my letter I specifically asked them to verify by sending me physical verification of the original signed consumer contract with my signature on it because anyone paying for their reporting services could fax, mail or email in a fraudulent account, because by law (  FCR Act, section 609 ( a ) ( 1 ) ( A ) ) if i ask  they are suppose to comply. I never recieved any proof that the debt was mine only a copy of their completed investigation which did not include any physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: CA

Complaint narrative:
This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to 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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of today, I have wanting to know the status. I called Bank of America. They are telling me they have to generate a decline letter on m y last MOD. I sent in all the RMA and new stu bs as requested. They are saying they do n't have them. I am working with them sending everything in. I feel that they dropped it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Go Capital Holdings, LLC
State: TX

Complaint narrative:
This has become a rather urgent matter. The responses from Go Financial have been most unacceptable and attempts to simply blow me off or to minimize this serious personal credit impacting issue. I notified them many, many, many times that the vehicle that I purchased was a lemmon. It was not only unsafe to operate, but I was completely ripped off on the predatory interest rate. I was PROMISED that they were " working on it ''. Rather, while I was led to believe that they were working to find solutions to re-capitalize the loan, adjust the rate to a fair and reasonable rate. They picked up the vehicle while I had several thousands of dollars on hand upon their FAIR, WRITTEN RESOLUTION that I NEVER got. Next, when I filed a formal complaint, they confirmed that the vehicle was worth approximately {$2500.00} while they are attempting to bill me for over {$11000.00} and later send me a  XXXX  for this high amount. I submit to you that Go Financial has made my case. The vehicle was not properly estimated at valuation, I have been swindled, dishonestly treated as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I do not have a contract wit h Enhances Recovery Company in the amount of {$1000.00}. I am not liable for collection of this debt from  XXXX    XXXX   XXXX . I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC
State: SD

Complaint narrative:
I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  TD Bank USA/Target C. I immediately made contact with   XXXX   to dispute and have this corrected. I 've  been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with Target and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to  XXXX . I mailed the letter to  XXXX  but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact Target directly and follow their internal fraud procedures which I have already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
XXXX   XXXX ,  2017 I pa id off my mortgage wi th Loan Depot, m ortgage account  XXXX   Loan Depot had 90 days to provide me with a mortgage release documents, releasing me from an y liens against me and my house. As of today,  XXXX   XXXX ,    2017 Lo  an Depot ha s not provided me with the release documents. I have sent several emails and each time I get a response that they are going to provide this document and that it has been escalated, but to date no one has provided me with the proper document stating I am released from the mortgage. This document is needed should I ever want to sell my hom e. Loan Depot is not legally entitled to have a lien on my house since the loan has been paid off in full. There never been pen alty for late payments, I have always paid on time. This company is not responding to my requests to get my affairs in order..   I would appreciate if someone would force this company to provide me with the appropriate document. I am not sure how they can avoid sending me this document, I presume there is a law they have to do it within a certain amount of time. Well it has been 6 months since I paid the loan off. I would think my documents are long over due.   Thank you for your help.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: OH

Complaint narrative:
hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report thank 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 2017-06-06 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: CA

Complaint narrative:
For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: GA

Complaint narrative:
Credit reporting agency has a collection on my account. There is no listing of an amount owed or the name of Original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  XXXX    XXXX     XXXX   XXXX  I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact   XXXX   directly and follow their internal fraud procedures which I have already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
XXXX  ,2013   XXXX  I have paid this debt off and the company is still reporting on my credit, I would like for this to be removed from my credit. When I made the payment the company said they would remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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:
I have had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had an ongoing issue  with Macy 's credit. T hey claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed m y Macy 's card onlin e on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I call ed Macy 's se veral times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this  with Macy 's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact  me and got through or that their auto-pay was working correctly.  <P/> Macy 's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for Macy 's errors!  <P/> I want these late marks on my credit removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.

Company response to consumer: Closed with non-monetary relief