vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from XXXX XXXX XXXX did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I recently discharge from bankruptcy and I was reviewing my mortgage and noticed that my loan balance balloon to almost {$100000.00} from the original loan amount of {$54000.00}. I do not understand how the mortgage balance increase to such an extraordinary amount. I reached out to Caliber Home Loans on XX/XX/XXXX, XX/XX/2020, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation as to how I could owe more on the mortgage than the agreed original amount. None of the responses I received made sense, as they were saying the outrageous increase was due to a deferred balance amount that is the cumulative difference between my monthly Average Billing amount and what I would owe if you were not signed up for Average Billing. I furthered inquired as to what average billing was and when did I signed up for such a terrible program. Caliber could not provide any proof or information and indicated that it was part of my home modification. I asked Caliber to furnish that proof and XX/XX/XXXX and they requested I give them up to 30 days to comply. It has been more than 30 days and Caliber has not provided proof as to when I agreed to be put in such a terrible program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I refinanced my home loan with XXXX XXXX/PHH Mortgage Services and have had issues with them since initiating the loan. They arbitrarily raised the property tax escrow account based on the home value rather than the actual property tax amount owed. We had to make several phone calls and eventually fax our property tax paperwork to fix that. In addition, XXXX XXXX/PHH Mortgage Services said we didn't have homeowners insurance and was charging us for that as well, but we provided documentation to substantiate our claim and that was also fixed. I wanted to pay my mortgage via direct debit in XXXX of 2020, so I set it up in XXXX of 2020. The money was to be debited on XX/XX/2020, but was never debited. Despite emails and several phone calls, my mortgage payment has not been debited. My concern is that the payment is considered late ( I am getting Mortgage is Past Due letters ), accruing interest and late fees and will eventually affect my credit. After waiting over an hour to speak with a PHH supervisor concerning my mortgage on XX/XX/XXXX, they hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unverified and unauthorized accounts and inquiries appear on 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 2020-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unverified and unauthorized accounts and inquiries appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CA

Complaint narrative:
I filled a dispute in regards to the investigation with items on my credit & its been well over 30 days.

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 2020-03-26 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: CA

Complaint narrative:
To whom it may concern : This complaint will indefinitely outline Experians ( credit reporting agency ) lack of properly investigation inaccurate accounts on the on my credit file. In result of the inaccurate investigation and inaccurate reporting its causing a financial hardship and burden for me. 
On XX/XX/XXXX I requested in writing for the company to investigate the inaccurate accounts that they are continually reporting on my file. I received a response on XXXX XXXX stating all the accounts were accurate and verified along with a copy of my credit report. I begun to do my own investigation by reaching out to the companies on my file. I later found out those same companies dont have anything accurate or any original contract/agreement with me. On XX/XX/XXXX I again requested on writhing from Experian to please send me proof of the original investigation and asked them their method of validation. I informed them I reached out to the companies and they have nothing accurate or original just bills they claim are mine. I also informed Experian that the amount they are reporting on some of the Accounts owed was different from the company ( s ) bill. On XX/XX/XXXX Experian responded and again stated all accounts were verified and accurate without send me proof or stating how they verified them. On XX/XX/XXXX I expressed to Experian how disappointed I was to know they are not doing the right thing and to please verify my accounts and if they cant be verified to deletes them my credit file. On XX/XX/XXXX I received the same response as before however they told me to call one company and asked them for more information. I began to realize that they are not doing their job accurately because is so I wouldnt be going through this. XX/XX/XXXX I sent another letter requesting them to thoroughly investigate, validate, verify, and not use the EOSCAR system. XX/XX/XXXX I received a letter from Experian stating I can Request a credit report for {$8.00}. They totally disregarded To properly respond to my writing request asking them to not use the infamous EOSCAR system and manually investigate my accounts. Im in complete disbelief that they can get away with this. Im even more disgusted that I pay Experian monthly for credit monitoring and this is the treatment we get as consumers

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, XXXX, AND XXXX  XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY GCVCP IS IN ARREARS REIMBURSING ME {$15000.00} FOR APPROVED CARE, TREATMENT, AND INCURRED EXPENSES RESULTING FROM DIRECTLY FROM XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$15000.00} and have FAILED TO DIRECTLY COMPENSATE ME. 

Their RECKLESS AND EGREGIOUS attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts with Wells Fargo ( REMEDIED ON XX/XX/XXXX, MONDAY ). 

DESIRED RESOLUTION ( 1 ) LEVY THE ACCOUNT OF GEORGIA CRIME VICTIM COMPENSATION PROGRAM, GCVCP, FOR {$15000.00}, AND DEPOSIT CASH INTO MY CHECKING ACCOUNT WITH WELLS FARGO. THE GCVCP ACCOUNT INFORMATION IS ON THE MULTIPLE OTHER CHECKS THEY HAVE WRITTEN TO ME. 



Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : 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 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased my vehicle on XX/XX/2019 from a auto dealership in XXXX Texas. I was told by the dealership that the lender required that I purchase Gap and Warranty. This added about {$3000.00} on to my loan ( {$2500.00} for warranty and {$470.00} for gap ). It made my payment {$380.00} a Month. I was later told that I did not have to have those. When I found out the that they were not they were canceled and the money was sent back to the lender. The lender continued to tell me that the length of my loan would reduce from 48 months by taking a year off and my car note would go down. I asked for the truth so I would know if I wanted to continue to keep the car. The dealer said I could resind the contract but and the lender said when they got the money back it would reduce the length on loan and reduce the payments. I have found out now it was not true. When I ask for a extension on my loan they now ask for me to sign a document that I will waive my right to file any suit against them. Global lending has scammed me. They have also damaged my credit previously by reporting inaccurate information such as wrong balance, which was higher and reporting my account as closed. 

This company has continued to deceive me, they have told me things that were not true and then put on document that i would have to waive rights to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Purchased a home and bought a home warranty plan from XXXX XXXX XXXX, there was an issue with the ductwork discovered later, I submitted a claim to them, XXXX XXXX XXXX denied the claim, I provided professional reports and comments from the technician they had sent out disputing their conclusion, they chose to ignore my responses and not answer the direct questions I had about their conclusion ( conversation attached ). 

As a result I disputed the {$550.00} charge for the plan with the credit card company I paid for it with, the Best Buy Visa Card serviced by Citibank. I disputed it on the grounds that I never received the goods and services that I had paid for and had made a good faith attempt to resolve the matter with the merchant who was now no longer responding. I frequently called Citibank to get an update and see if more information was needed from me ( their call records will show this ). I could not speak with the disputes group investigating the matter and was later told it was not resolved in my favor because the merchant had shown I authorized the purchase. When I pointed out that was not the reason for initiating the dispute, but that I did not receive the goods and services as described that I paid for, City Bank refused to reopen the case or evaluate how they well exceeded the time frame for these issues to be investigated. 

I did not receive the goods and services as described from XXXX XXXX XXXX. They have chosen not to respond to my questions after an attempt to resolve it with them. The credit card company did not investigate the dispute properly or within the appropriate time frame and that is what is prompting this complaint.

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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts on my credit report are not mine. They are unauthorized and unverified

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 2020-03-26 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: AZ

Complaint narrative:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

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 2020-03-26 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: NY

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. 

Back in XXXX the following items were never authorized or signed by me and would like off my credit report. As this is fraud. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AZ

Complaint narrative:
Legal Department, Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX   has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

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