vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam : Starting XX/XX/2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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:
I have filed numerous disputes with Experian about incorrect information being filed on my report. And after their investigations the items have been left on 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 2019-02-11 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: FL

Complaint narrative:
Dear Sir/Madam : Starting XX/XX/ 2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission.

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Approximately XX/XX/XXXX I refinanced my house with Nationstar. Original amount was approximately $ XXXX when I bought the house in XXXX. 

When I refinanced the property I was told that PMI would still apply, which I understood. The market I am in has gone up quite a bit and the house is now sitting above $ 170k. What I was told when I spoke with Mr. Cooper ( was sold off from Nationstar ) - was that even though I am at less than 80 % of the original XXXX amount, that the new original amount that I must have 80 % LTV is now the refinanced rate of XXXX approximately. I currently owe less than $ XXXX. I'm trying to figure out if I have recourse, to not have to pay from $ XXXX {$650.00} to get an appraisal for this property, when the value of the property when I refinanced it was clearly researched and they had to have a dollar value assessed other than the XXXX. I feel like this is a game they are playing to get money out of me, for wanting to utilize my right to remove the Mortgage insurance. 

I was told originally that they had findings that didn't require a paid appraisal. If that's the case, then my question is, what were the findings?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX  XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a US Bank Signature Rewards credit card at the end of XXXX or early XX/XX/2018. My request was rejected in accordance with the letter of the Bank REF : XXXX from XX/XX/2018. I thought that at the time of the application I had score about 820+ points. However, my application was denied because, according to the letter, the credit agency ( agency ) indicated that I had placed the XXXX  on my credit card. 
This is nonsense! 
... because after a week or two I applied for another credit card and almost immediately received approval from XXXX XXXX XXXX. 
And I wonder why the US Bank refused to approve for a credit card, is this a discrimination?

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 2019-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have spoken to several representative in both escalations as well as customer relation as well as customer service. I am extremely disappointed in the issues I have been having since I was just transferred to Mr. Cooper. It seems that each representative has their own different interpretation of the Mr. Cooper Transfer Guarantee that I find to be a very disturbing. I have spoken to several teams members, who say they have made notes on my account. My account was official transferred to Mr. Cooper on XX/XX/XXXX. I arrived back in the country from my XXXX/XXXX XXXX Vacation While on my vacation, my mother sent a payment to my mortgage holder. When I came back and found out about the transfer I had my mother cancel payment. I was told by a representative with Mr. Cooper that I could have an investigation started in which I declined because my mother canceled payment. I gave the wrong payment account, however, I was advised that the XX/XX/XXXX, and XX/XX/XXXX would not be reported delinquent, access late fees due to the transfer, messages relayed to me, and then of course the Mr. Cooper Guranteed. 

I was very disappointed to receive that a verification of mortgage was sent stating that XX/XX/XXXX and XX/XX/XXXX was delinquent. I was promised that I was not delinquent and if I made payment by XX/XX/XXXX ( in which I made two payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
ON XX/XX/XXXX AND ON XX/XX/XXXX I WAS DENIED I APPLIED FOR A MODIFICATION TO SAVE MY HOME DUE UNSTABLE, UNCONTROLLED SITUATIONS IN THE PAST HOSPITALIZED WITH XXXX XXXX XXXX XXXX, LOSS MY BUSINESS, AND nOW THAT IM IN A MORE STABL E SITUATION FINANCIALLY AND CAN AFFORD TO MAKE PAYMENTS BUT CANT AFFORD THE REARS TO BE PAYED IN FULL FOR REINSTATEMENT. I HAVE BEEN DENIED ALL MODIFICATION PROGREMS. I CAN AFFORD TO MAKE REGULAR PAYMENTS, JUST CANT AFFORD TO BRING ACCOUNT CURRENT I NEED THE PAST DUE TO BE PUT IN THE REARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: PA

Complaint narrative:
They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : XXXX Account number : 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
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: MN

Complaint narrative:
XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Best despite my best efforts in submitting a copy of the FTC  complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
It seems like the card is damaged or is not completely activated. When I first called in about the problem the rep started laughing at me and I didn't respond well to that. I am very upset I needed a cab yesterday and the cab company 's website said the 3 digit security code was invalid. I called back and spoke to another rep and she said I had to register the card online but when I tried doing this on my own, their website also showed an error saying the 3 digit security code was invalid and that the card itself was not valid. The rep sent me a link today XX/XX/2019 and said she had to make some changes for the card on her end, so it wasn't until then I was finally able to register the card. I logged in but as part of logging in you have to enter the 4 digit security code that's on the front of card and now it's saying that this number is also invalid. So this will be my third time today calling back after I was told the card would absolutely work correctly now. Photos attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid XXXX on XX/XX/2019 my loan modification person XXXX XXXX will not answer or schedule a time with me the payment was made thru XXXX XXXX ive faxed them proof i did it to where it went directly to them. They leave me on hold and tell me it will take five days my demand letter expires on XX/XX/2019. Mr XXXX told me friday to make two payments to get back to 90 days ive paid almos 3 payments on the XXXX ill make the payment for the XXXXdollars which puts me at two months behind along with the fact that XXXX will also be paid on XXXX. XXXX that leaves me owing XX/XX/2019 2019

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 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt. 
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency. 
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.

Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.

This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail. 
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially. 
As well as a derogatory attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to 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 2019-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

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 2019-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

Company response to consumer: Closed with explanation