vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  AND EQUIFAX PROVIDE FALSE INFORMATION AND ISSUED FALSE STATMENTS ABOUT THE PUBLIC RECORD ON FILE. XXXX AND EFX STATED THEY VEIFIED WITH THE FURNISHER - THE COURT THE ACCURACY OF THE BANKRUPCY THAT WAS FILED 10 YEARS AGO THUS THEY WILL CONTINUE REPORTING IT ... HOWEVER, I CONTACTED COURT AND CLERK ISSUED IN WRITING STATEMENT THAT THEY THE COURT DO NOT REPORT, VERIFY OR VALIDATE ANY AND ALL INFORMATION TO THE CREDIT BUREAUS. 
THEN EQUIFAX STATED THEY RECEIVE THIS FROM 3RD PARTY FURNISHER XXXX XXXX  WHOM I CONTACTED AND AGAIN RECEIVED IN WRITING STATEEMENT THAT THEY ARE NOT NOT NOT REPORTING ANY BANKRUPTCY ON MY NAME OR SOCIRAL. 
I HAVE BEEN REQUESTING THE DELETION OF THIS ERRONEOUS BK FROM MY CREDIT REPORT FROM SEVERAL MONTHS NOW, ONLY TO RECEIVE AUTO GENERATED RESPONCES FROM BOTH OF THE BUREAUS. NOBODY IS READING OR LOOKING AT THE SUPPORITNG DOCUMENTATION ... THIS IS VIOLATION OF MY CONSUMER RIGHTS AND IT IS A VIOLATION OF F.C.R.A. A FEDERAL VIOLATION. I CONTACTED DA OFFICE AND NOW PREPARING MY COMPLAINT TO ATTORNEY GENERAL 'S OFFICE AND WILL FILE IF THIS IS NOT DELETED FROM MY REPORT IMMEDIATLEY US BKPT CT CA XXXX Identification number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

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 2019-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

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 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/2019 a criminal ( or group of criminals ) used my American Express Bluebird card number ( issued by American Express XXXX XXXX XXXX XXXX, XXXX ). These were 65 consecutive retail transactions done in the state of Missouri. I live and work in the state of Minnesota. 12 of the scams were done at different XXXX XXXX Stores around the XXXX XXXX, Missouri area. I've not been in that area for over 10 years nor have I ever shopped at a XXXX XXXX Store in my 55 years of life. I was told by the company when I called on XX/XX/XXXX that I had to wait until the 65 transactions settled. They all settled the next day XX/XX/2019. I then called back and issued a fraud report. I was told by the rude customer support person that I needed to complete their fraud form. I spent over an hour completing that form, detailing each of the 65 consecutive transactions. I told them I was shocked that their " fraud prevention system '' failed to flag this behavior and stop it before it gouged me for over {$8900.00}. I just received a very curt email from Amex today ( XXXX ) saying : " Hi XXXX XXXX, Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$8900.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX ( 1st loan # XXXX and 2nd loan # XXXX ) and requested for Mortgage Assistance ( RMA ) for modification back in XX/XX/XXXX from XXXX XXXX XXXX ( Making Home Affordable Program ). My application for modification program was received by XXXX successfully and was in processing when XXXX XXXX XXXX transferred my loan modification to XXXX XXXX XXXX. I received letter on XX/XX/XXXX from XXXX that modification review was completed and on XX/XX/XXXX I received " Executed Loan Modification Agreement '' for both loans 1st and 2nd. Now, after 5 years I have been harassed by Radius Global Solutions on behalf of XXXX XXXX trying to collect the second loan in the amount of {$86000.00}, which was part of executed loan modification that was successfully processed by XXXX. I told them several times, emailed all of my modification papers from XXXX showing that there is no outstanding balance and that both loans ( 1st and 2nd with XXXX ) were modified under now new loan number that I have been paying on time since. I need CFPB assistance to stop Radius Global Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, Tel : XXXX ) from constantly harassing me to collect {$86000.00}, under REF # XXXX, Dept description : Servicer XXXX XXXX, Account XXXX. 

I have never had any loans with XXXX XXXX nor with XXXX, ever. I am not sure where and how they both my information from and harassing me non-stop to collect " outstanding debt '' that I DO NOT OWE. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: FL

Complaint narrative:
I am resubmitting my complaint trying to get my EQUIFAX credit report I have been trying since XX/XX/2019. this company is asking me to resend my personal information yet again and what they are asking for I have already sent this company. I have refused to send my personal information in the mail again and when I did send it I received two letters from Equifax XXXX first letter dated:XX/XX/2019 and the second letter dated XX/XX/2019.And now I have received letter number 3 dated XX/XX/2019 asking for more personal that as I have stated above has already been send letter # 3 is from XXXX XXXX.CFPB I JUST WANT MY FREE ANNUAL CREDIT REPORT PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: FL

Complaint narrative:
This account is fraudulent XXXX {$150.00}

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 2019-03-25 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: MA

Complaint narrative:
Received " your card won't be reissued '' letter dated XX/XX/XXXX from XXXX " due to a bankruptcy or a charge-off '' Phoned XXXX, they say they can not say reason, and to check Experian. 

Credit reports from Experian and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
On Monday, XX/XX/2019 ; I was offered to enroll with XXXX XXXX in order to fix my credit. I agree to enroll and take advantage of their services to help me improve my credit. That same Monday night, I sign up. They indicated I can have a 50 % off when I sign up a friend or family member, I decided to sign up my wife as well. I notice they place my wife on the wrong plan and called again wanting to correct the issue ; they stated the problem was fixed. 

On Saturday, XX/XX/2019 I noticed in my bank account that XXXX XXXX had charge me {$20.00} dollars extra incorrectly. When I called to dispute they stated the department who handle the issue was close on weekends which it was never explained to us before and only gave us the solution to call on Monday morning. 

On MondayXX/XX/2019 ; I tried to call XXXXXXXX XXXX and just canceled the service overall and they told me I can be cancel, but I won't be to get a refund because it was 5 days after I'm requesting the cancellation. When I sign up it was told to me that I can cancel any time but was never mention that I would get a refund. Also ; I felt cheated because it may it seem like they process the payment incorrectly on Saturday XX/XX/2019 and not on Friday, like they knew if it was charge on Saturday I won't have a chance to claim my refund if I cancel the following week. The only thing it was told I was going to get refund was the {$20.00} dollars which is unfair if we cancel and never use the service more than 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
REPORTING INACCURATE PERSONAL IDENTIFIERS

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 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
My mortgage was serviced by XXXX for many years, in XX/XX/XXXX, after I got damage from Hurricane Irma they send me a letter offer me not to pay for 9 month mortgage without any penalty to help with home repaire, after that they offer me to extend my mortgage because I was owed them about {$3500.00} principal for two more years, mature mortgage date was originally in XX/XX/XXXX, they offer to extend until XX/XX/XXXX, and I agreed, and start paying them trial payments one month earlier in XX/XX/XXXX. Then they sent me a letter saying that my mortgage was sold to Selene finance and that from XX/XX/XXXX I have to pay my all payments to them, I was sending them calculated payments of {$590.00}, since then. In XX/XX/XXXXthey send me modification agreement to sign and notarized with a new mature mortgage date in XX/XX/XXXX, for {$590.00} per month which included taxes, principal and interest, hazard insurance included in my condo association fee, I pay separately, And Homeowners insurance I pay quarterly on my own.Since XX/XX/XXXXSelene Finance asked for proof of insurance and I sent them proof 5 times, my insurance agent also sent 3 times, and they still sent me letters saying that they going purchase insurance for me. Since XX/XX/XXXX they steer charge me {$710.00} instead of {$590.00} mortgage payments, I called them since XX/XX/XXXXabout 20 times, sent them more then 20 emails, and twice was trying to despite {$230.00} they overcharged me for XX/XX/XXXX and XX/XX/XXXX,  talked to them recently asked to recalculate escrow, they could not explain why escrow balance {$2400.00}, which {$1200.00} taxes {$1300.00} what that was for, since my mortgage payment included taxes? Also Had to overpay again and sent them payment {$710.00} on XX/XX/XXXX, by phone to not have a late fee, and they just sent me a statement for XX/XX/XXXX again overcharging me monthly mortgage payment and {$30.00} late fee! I feel totally helplessly and taken advantage of, and was seeking a legal advice, in this point, and they suggested take a first step and write this complaint.I really hope this would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/19 at XXXX I received an email stating that I requested new credit and debit card, because mine were damaged. I did not make such a request. 
On XX/XX/2019 I went to the Chase branch and informed that I did not make such activities. Chase employee suggested closing the old accounts and opening a new one. I agreed. As of XX/XX/2019 my accounts were closed and I do have a written confirmation. 
On XX/XX/XXXX I received a temporary ATM card. I asked chase employees if my previous accounts were closed for sure, they confirmed. I asked if them if its safe to deposit money to my new account. They stated that my accounts are safe and secured. On XX/XX/XXXX I deposited XXXX $ on my new ATM card. 
I received a new debit card in a week of XXXX of XXXX. I activated but never used it. On XX/XX/XXXX there was ATM withdraw for {$500.00} and XXXX $ dollars that I did not make it. Also i never shared by debit card pin or I never asked anyone to withdraw money for me. 
On XX/XX/XXXX I called chase and I made a claim. 
On XX/XX/XXXX I was informed that my claim was declined because whoever used my card knew my pin. They also informed me that the money where withdraw using my old debit card that supposed to be shredded on XX/XX/XXXX by Chase employees. 
On XX/XX/XXXX Chase representative informed me that they wont proceed with an investigation and that I wont be able to get my money back from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
REPORTING INACCURATE PERSONAL IDENTIFIERS ON 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 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I tried to log into my www.myloancare.com to pay my XXXX mortgage payment. That entire week ( XXXX ) the website said my password wasn't working and that it would email me a temporary password. Those emails never came, I was stuck. I called their customer service # and input my ssn & zip code as instructed. Then a message came on to call between XXXX and XXXX ( which I was ) and then it would hang up on me. I had been trying all last week to get logged in to the website too ( XX/XX/XXXX - XX/XX/XXXX ). There was nothing I could do! 

After being frustrated and getting a Payment Reminder Notice from them in the mail today ( XX/XX/XXXX ). I tried to log on to the website again. And today, it worked! With my original password & ID that hadn't worked for the last 2 weeks. I was able to finally make my XXXX mortgage payment today. 

I still can not get anyone on the phone and I've tried several times to send an email on their website. The website email open a blank window that never loads. They are charging me {$63.00} in a late fee that was not my fault! I want that late fee refunded. They really should be paying me for the extra time I spent trying to make my mortgage payment for the last 2 weeks!!!! I want to switch my servicer. Please help me get a refund and get a new servicer. I also want to discuss getting my FHA Mortgage Insurance canceled as my home to loan ratio is now about 75 % but I can not get in touch with anyone.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
My criminal record for XXXX XXXX has been expunged since XX/XX/2018. Louisiana issued a Certificate of Compliance. for one XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Update your records because background check companies are still reporting I have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I purchased online tickets on XX/XX/2019 from XXXX while I was in USA. The amount of {$5200.00} was billed to my credit card ( ticket prices which is correct ). I recieved a statement today XX/XX/2019 showing that bank of America charged me {$150.00} for a foreign transaction fee. The purchase I did for the tickets was done online with a company charged me with US dollar currency and which suppose to do business from USA. 
Bank od America claims that this is an international transaction and has to charge me 3 % on the amount paid. I dont understand how I can purchase sonething from USA and get charged for an inernational fee.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a Final Account Notice from XXXX XXXX ( XXXX XXXX ) showing the amount I owed from moving out of my  apartment which was {$280.00}. I did not pay this right away and the account was sent to a collections agency named RentDebt Collections. On XX/XX/XXXX I paid RentDebt the full amount of {$310.00} for the debt which included additional interest and fees. I did not settle this account, it was paid in full. 

On XX/XX/XXXX, 7 months after I moved out and 2 months after I paid the debt in full, I received a NEW Final Account Notice from XXXX XXXX ( XXXX   XXXX ) charging me an additional {$130.00} for the collection fees that they were charged by the collections agency that they hired. 

Also, RentDebt has stated on my credit report that the debt was settled - less than the original balance when I PAID THE BALANCE IN FULL PLUS INTEREST AND FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX I received multiple credit monitoring alerts that a new collection had been placed on my credit report. Upon further investigation, Midwest Recovery Systems was listed as the company responsible with the original creditor being " XXXX XXXX XXXX '' and that I owed them. Knowing that I have never interacted with a " XXXX XXXX XXXX '', much less taken a loan out in the amount of {$630.00} ( after an extensive search of my personal records ) I called the company to inquire. They told me that this was a loan from XX/XX/XXXX! When I told the representative that I did not recognize a " XXXX XXXX XXXX '' his response was " well maybe they changed names! '' I immediately requested a validation of debt as I am entitled to under the Fair Debt Colletion Practices Act ( 15 USC 1692g Sec 809b ). The representative said they would need 30-days to validate this debt despite the fact that they have already reported this on my credit report! I decided to follow up with a written request for validation as well. I overnighted a letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ). When XXXX attempted to deliver my letter, I was informed that the company had moved with no forwarding address. XXXX spent 10 days trying to locate the new address but could not do so. I called Midwest Recovery Systems again and asked for an updated mailing address. The representative told me he could not give me that information over the phone. After telling him several times that I know my rights under the law, he finally provided me an updated mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ). When I attempted to re-send the validation letter to the new address, XXXX now tells me that this address is not in their Database! ). 

This company has placed a negative mark on my credit report without providing proper written notification as allowed under the law and has not given me the required 30-days to respond before taking negative action.

Company response to consumer: Closed with explanation