vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
FDCPA Violation. 
The company has sent me a threatening letter claiming they have a Judgement on a case which is currently pending. They have included the Court File Number ( XXXX ) to make it seem more convincing. They are attempting to collect {$1900.00}, which is an amount more than what they initially allege was owed. 

Within the letter is a Financial Disclosure Form which I have already responded to in the negative in my response to them in discovery. 

The Actors in this violation of FDCPA are : XXXX XXXX, General Manager ( who may not be a real person ), XXXX XXXX XXXX XXXX XXXX. 

And California Attorneys for Plaintiff : XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX SB # XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX  XXXX SB # XXXX ( Attorney on filing ) XXXX XXXX XXXX XXXX SB # XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, XXXX, and Trans Union Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was charged me undisclosed {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. This is a lie because 1. The sending bank is in XXXX, they charge any fee, it would be in RMB not us dollar. 2. {$10.00} is no where near what the fee sending bank charged ( about XXXX RMB ). Chase executive office response was that I'm responsible for fee but not telling me what fee item this {$10.00} was for. As premier Chase account holder, Chase charges {$0.00} fee for incoming international wire. So please tell me what fee item this is for and how it is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I had my card skimmed and cloned. On XX/XX/2018 my card was declining at a gas station and upon checking my account I saw it had been emptied. There were 5 fraudulent transactions on my account. XXXX charge for {$3.00}, an XXXX membership for XXXX, a XXXX charge for {$27.00}, and two XXXX XXXX charges, one for {$250.00} and one for {$220.00}. After calling my bank they returned the XXXX charge, and eventually the XXXX and XXXX charges. I filed a police report and cooperated with the bank to try to get my money back for the XXXX XXXX charges. They first mistakenly disputed it as billing. After almost a month they declined the dispute. Someone finally understood what I was saying after I called them back and re filed it as fraud. It is XX/XX/XXXX now and they are refusing to return the XXXX XXXX   charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: AZ

Complaint narrative:
filed dispute Equifax refuses to provide me with my results - customer service gives out wrong phone number, refuses to help. Refuses login information, claims the identifying information I'm providing is wrong when I know precisely it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: MI

Complaint narrative:
At the end of XXXX, I called Equifax. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Checkr, Inc
State: VA

Complaint narrative:
XX/XX/XXXX I filed a disputed with Checkr.com at XXXX. I submitted document supporting my dispute. 
Unlawful detainer was cancelled by property. Copies of court orders ( sheriff stamped cancelled in lower right corner ) notice of satisfaction, and letter from property stated I was never Evicted. Please remove eviction form my rental history. 

DISMISSED/TERMINATED FILING DATE XX/XX/XXXX COURT XXXX XXXX, XXXX XXXX JUDGEMENT AMOUNT NOTICE TYPE LANDLORD/TENANT DISPOSITION*DISMISSED/TERMINATED XX/XX/XXXX Checkr respond via email at XXXX CC ( Checkr ) XX/XX/XXXX, XXXX PDT Hi, Thanks for reaching out! Checkr is simply reporting that a civil judgment was filed NOT that you were evicted. If you still believe that something is inaccurate on your report please reply to this email explicitly stating what is inaccurate and why. 

Checkr listed two civil judgments under eviction history with unpaid balances. No balance is on the judgments and both are judgments are dismissed. Checkr did not update the report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: NV

Complaint narrative:
XXXX, Equifax, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: NV

Complaint narrative:
Experian, XXXX, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: MI

Complaint narrative:
At the end of XXXX, I called XXXX. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under 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
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I got a text alert from the credit bureau 's that someone had recently filed a collection on my credit file under a name other than mine. It was dated XX/XX/2018 from a collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL for {$770.00} for XXXX XXXX which I have NEVER subscribed to or ever had. The credit bureau said a new name was added to my credit file and the collection agency filed the collection under that new name. I've read numerous posts that this company is known for this type of criminal behavior, many whom are suing this company for its illegal practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage with well Fargo, is an FHA loan. I took advantage of the disaster relief to perform some repair after the hurricane. Now the bank wont eliminate my PMI, saying that I had late payments, I did pay the monthly payments on time and I repaid the monthly payments for the relief time as we agree. I do not have any late payments.

I called on XX/XX/XXXX I talked with XXXX XXXX. 

I called on XX/XX/XXXX I talked with XXXX ( supervisor ), XXXX passed the case to the executive team, the case was assigned to XXXX XXXX. He said it should be resolved by XX/XX/XXXX. 

I called on XX/XX/XXXX I talked with XXXX XXXX, he said there is no resolution yet. 

I called on XX/XX/XXXX I talked with XXXX XXXX, still no resolution. 

I called on XX/XX/02 I talked with XXXX, no resolution. 

The information that Im receiving is that they are researching. They do not deny that Im right but they do not resolve the issue.

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 monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought my house for XXXX dollars on XXXX, I fixed it up and bring up the value of my house was XXXX dollars on Katrina hurricane XXXX I get the notice from my mortgage was my house will be for closer on XX/XX/XXXX. That time I rent my half of my duplex for XXXX /month. also I have to be in California to take care my Mother, while I filed the Conservator for my Mom go back to Virginia to live with me. The next day of for closer I called my mortgage about my house, the company told me no body buy my house. I came back to my house on XX/XX/XXXX I met a man in my house, he told me He just bought my house today for XXXX dollars. I asked my tenant XXXX what? why? he said on XX/XX/XXXX HE GOT LOCK OUT OF my house since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My information has been breached with Equifax and my identity has been stolen. I have already resolved the issues with XXXX and XXXX but Equifax still has yet to answer my questions when I call about my credit report being compromised with accounts that do not belong with me. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime i tried to check the resukts i would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see two accounts that do not belong to me. XXXX and XXXX removed them so Equifax should fall in line and follow suit because they are violating my consumer rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX I attest that these accounts do not belong to me and I want them removed immediately to public records breached and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. 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 2018-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I open a Kohls credit card on XX/XX/XXXX, During that time I had no prior knowledge as to how credit worked. I contacted Kohls on XX/XX/XXXX to settle the debt and was offered a settlement payment to resolve the debt in the amount of {$350.00} which I paid in two installments on XX/XX/XXXX and XX/XX/XXXX. Kohls informed me that this would settle the debt for the card and would be removed from my credit report as negative statements. I have since noticed that after the last payment was made on XX/XX/XXXX Kohls only updated my credit report to show that I have unresolved debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX and XXXX have hacked my computer due to unknown reason and they are holding my computer for ransom They refused to let me use it Ive had to change five computers Ive spent over {$5000.00} and getting my security up to par

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My information has been breached with Equifax and my identity has been stolen. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see inquiries that do not belong to me. I see them listed on XXXX as well. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/2016 took out a CD for four years at fixed rate and term. The bank offered a free safe deposit box to induce us to take out the CD at the low rate. The bank without notice now sends us a bill for the safe deposit box. We are stuck. We can not get out of the CD and they won't bump up the rate. Took the box rent bill to the local bank branch. They were to look into it!!! Now get another bill with late fee added on. Never heard from the bank as to why they double crossed us. They are now tacking on fees to confiscate all of our money. Greed and FRAUD. This bank is committing a crime with all of their customers.

Company response to consumer: Closed with explanation