vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. the date on this account is not valid and it is in error please delete this account it is not accurate FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC
State: MO

Complaint narrative:
Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 our title company ( XXXX XXXX XXXX ) wire transferred $ XXXX to USAA credit service department in XXXX XXXX Texas, to pay off our USAA credit card. The purchase of our new home was contingent on this card being paid off. We had confirmation that XXXX XXXX XXXX properly transferred the funds to the correct place within USAA. After several hour plus phone calls and even attempting to escalate the issue, Even after 10 days, USAA has not resolved the issue and can not locate our money. XXXX XXXX XXXX has proof it is with them. USAA is claiming there is nothing they can do but they clearly have our $ XXXX. We need this resolved immediately since USAA is not working to resolve this issue. We were even told they cant help us on the weekends, so call back later. This after speaking to a rep for an hour!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the problem is with Kohl 's credit card online payment system. on the payment page, you input your payment amount, bank information and pay date, then click " submit ''. a screen then appears that says in big bold letters at the top " Online Payment Confirmation ''. Now, on every other site I use to make payments online, that is only found on pages that are confirming my payment but with Kohls, that is NOT the case. their page labeled as payment confirmation is usually labeled elsewhere as " confirm your payment '' or something to that effect. so, if you are not paying close attention, you think you have paid, then are surprised when your next bill appears with no payment and a late fee! not to mention the mark on your credit report - which is the worst aspect. I have complained to them and written them, but they have made no changes to their site.

I can't imagine how many people are being charged late fees because of this and having their credit history negatively affected. they should not be able to call this page " payment confirmation '' if it is not a payment confirmation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has intentionally deflated my FICO score because I closed my monthly premium service the other 2 major agencies have my score in the780s XXXX and transunion but Experian has my core at XXXX Experian has 3 hard inquiry 's 2 are inquiry 's pertain to the same mortgage origination from XXXX for the same mortgage ; the other is unauthorized from XXXX to buy said mortgage from XXXX I should have1 hard inquiry have3

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 2019-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: WA

Complaint narrative:
I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have accounts showing up on my credit report that is hurting my ability to apply for new credit. I have tried repeatedly to get verification of debt or any information on the debt being shown in my name to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018. 
At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments. 
Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel. 
I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical. 
I am submitting this complaint as I am unable to contact the company through the means they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: GA

Complaint narrative:
I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from 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 non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Hurricane Florence victim..My insurance check was issued in XXXX to XXXX XXXX, who sold my mortgage to Penny Mac in XX/XX/XXXX..now Penny Mac will not give me my money to fix my home, which is over 60 % repaired with my own savings..Penny Mac has come up with several different excuses not to give me my money, first couldn't find check, then I need a licenced contractor to do my work, which is not required under 30,000 in NC. Then they told me I needed and inspection, which was lost and had to come back and do again. They came again which took another two weeks said my home was 60 % done.. So clearly i'm not going to take the money and run, but it seems they are making tons off of event 's money..so I've decided regrettably not to pay them anymore mortgage payments which I informed them of this, which I have never missed..they should be fined or imprisoned..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I received a email from Experian on XX/XX/2019 stating that " change to your credit file detected '' I tried to go log in to my Experian account. I put in my username and password and then was told they were incorrect. I tried to change password, it asked me for my username and then my phone number but it had someone else number and I have been unable to access my account. I've tried calling Experian but i can get pass the automated voice on the phone who doesn't listen. and all she who how to do is say ''sorry i didn't get that '' then hangs up on you causes you to start back over and spent a little over 8 minutes trying to speak with a real person in which i was unable to reach.

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 2019-03-16 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: GA

Complaint narrative:
I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from 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 2019-03-16 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: GA

Complaint narrative:
I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XXXX XXXX transferred our account to PHH, but in the transfer, they lost a payment of {$1200.00} that we made on XX/XX/XXXX. When we contacted PHH on XX/XX/XXXX, they told us we would have to speak to XXXX, and when we called XXXX on XX/XX/XXXX, they told us that they couldn't access the information and that we would have to speak with PHH. In other words, between the two companies, they either lost, misplaced, or stole our payment of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: TX

Complaint narrative:
in XX/XX/XXXX due to my retirement i moved from XXXX, texas to XXXX, tx. in XXXX i had XXXX XXXX.upon moving to my present address XXXX XXXX XXXX XXXX XXXX, tx., my land lord would NOT allow me to place an antenna on rooftop.I returned ALL equipment and cable boxes and now i am in collections with XXXX for {$320.00} for monies due???!!! i have been trying to get trans union to investigate since XX/XX/XXXX and still nothing!!!

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 2019-03-16 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
I had a credit card account with XXXX Credit Card company which I paid in full on XX/XX/2019 and sent a certified letter to them on XX/XX/2019 asking them to close my account. On XX/XX/2019 I returned camera equipment to XXXX, XXXX and even though my XXXX account was paid in full and I had requested in closed they issued a credit to the credit card anyone as that it was I used for the original purchase. This credit was issued to XXXX   by XXXX on XX/XX/2019. This left me with a credit balance on a closed XXXX Credit Card of {$3400.00}. 

I mailed a certified letter to XXXX, per their requirements, on XX/XX/2019 requested a refund check be mailed to me as soon as possible. As I had not heard from them I called them Saturday, XX/XX/XXXX and was told by Customer Service that they had requested the check be printed and it should be printed by XX/XX/2019. I waited until XX/XX/2019 and as I had still not received a check I called again. This time I was told the check had been mailed on XX/XX/XXXX and it should be delivered by the end of day on XX/XX/XXXX. When I had not received it in the mail on XX/XX/2019 I called again and was told that if I had not received it by XX/XX/2019 I should call them on XX/XX/2019 and request another check be sent. 

At this point I do not believe they have made an effort to refund this money. They are in Georgia and I am in Maryland and even with today 's mail service it does not take that long for a check to be sent through the mail. 

I would appreciate help in getting my refund as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX violation while in dispute reported to CRA 's Second you stated cease and desist was'nt myself, Request for information you refuse I do not enter in to any contract or agreement with out documentation you state you refuse to respond, Freedonm of information act states I can receive the documents s >NO DOCUMENTS NO CONTRACT Ten days to respond to all questions stated in these documents sent by way of CFPB I request you contact through the CFPB your response to this, If documents Mailed I request certified number of pages and tracking number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: MD

Complaint narrative:
I applied to XXXX for a Line of Credit for my XXXX XXXX.I was denied credit on the basis of a Credit Report provided by Experian.Review of my Experian and XXXX  Credit report revealed two XXXX XXXX Accounts the First Account with a Balance of {$6400.00}, Limit {$8700.00}, Usage 74 % Status : Current.This is the Account that does not belong to me.The Second Account XXXX XXXX/XXXX and XXXX/XXXX Balance {$7900.00}, Limit {$8700.00}, Usage 91 %, Status : Current Open XX/XX/XXXX is my Account. 
I submitted a Dispute to Experian on February 19,2019.I telephoned XXXX XXXX Customer Service no fewer than 10 times, Each time, I was told that they had researched my account.And it was determined that the second account was the only account that was associated with my Social Security Number.And that only one Account was being reported to Experian.I informed XXXX XXXX   Customer Service multiple times that Experian was listing two accounts with two different numbers on my credit report.XXXX XXXX insisted that they were only reporting the second account.I telephoned Experian regarding the results of the dispute.I was informed by Customer Service that XXXX XXXX verified that " Both '' accounts belonged to me.Experian was contacted XX/XX/XXXX.Last contact with XXXX XXXX  Customer Service XXXX XXXX at approximately XXXX EST.I again stated to Experian and Customer Service that the issue of an Account that does not belong to me, is still being reported as an account that I am responsible for.Both parties have failed to correct erroneous information that has been overwhelming harmful.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I own a store credit card for XXXX XXXX XXXX XXXX under Synchrony Bank. The balance on my card on XX/XX/2019 was {$170.00} in which is was paid in full the very same day. However my credit report fail to reflect my current balance of {$0.00} as of XX/XX/2019. 

I issued a dispute through XXXX XXXX and sent it to XXXX in which I have received no response. Any help in adjusting this balance would be 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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I lived at XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Arizona XXXX from XX/XX/XXXX to the XX/XX/XXXX, this was not a lease but a rental agreement the apartment was not maintained that well it had very old carpet and lots of cockroaches this was affecting my health, I was coughing up blood and almost suffocated several times my primary care doctor sent me to XXXX doctor and a XXXX, I did not have XXXX but a cat scan showed I had inflammation in my XXXX and they were raising the rent and wanted me to sign a lease so it was time to make my exit. They threatened to ruin my credit if I moved out.I supplyed them with a letter from my doctor advising me to move to a home without carpet and cockroaches. I thought every thing was fine then they sold the account to a collection agency in XX/XX/XXXX, national credit systems in XXXX. They made the same threat of ruining my credit, I supplyed them with the same letter from my doctor and their responce was to report it to XXXX and XXXX. I also have XXXX reports from the hospital avaiable on request. National credit systems is forgien corperation with many complains so why are they allowed to operate here? I would like them to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MN

Complaint narrative:
I sent XXXX several letters. via certified mail. Today I received a leter stating that they will not investigate my dispute. 
Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly.. I have sent repeated letters to XXXX and they have not responded. Who verified these accounts?

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.

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.

The above letter was sent to XXXX  certified mail Regards 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