vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX Bank. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

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 2019-06-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account number. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$470.00} } to XXXX on my credit report. I have contacted first premier to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the company has not replied. I have sent numerous letters to XXXX XXXX regarding an alleged debt that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.

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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NH

Complaint narrative:
Company is attempting to collect debt that was a fraudulent charge on an account due to identity theft. Company has not made attempts to allow me to provide information to dispute this fraudulent charge.

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 2019-06-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following accounts were satisfied as agreed, payments were made on full.. I took care of each of my accountsI am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I applied for a construction loan to build a house. Ameris bank pulled my credit history 3 times during this process. One time same company name 3 different addresses. From XXXX last year XXXX to XX/XX/XXXX. The credit score was XXXX and now is XXXX. During this process I was sent emails by Ameris bank on several occassions after XXXX XXXX if I did not esign the documents by the end of the business day, we would not be able to close. Also, Ameris bank used " their '' appraisal agent which reported less than half the current value of the state taxing agent. The cause an increase in the amount to be borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: NV

Complaint narrative:
I received a copy of my credit report and I noticed four fraudulent hard inquiries. I contact Experian to let them know about this fraudulent activity and I also log in to my Experian account online to lock my credit report to prevent this from happening again in the future. Please remove these four fraudulent hard inquiries from my credit report XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-06-25 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: HI

Complaint narrative:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Please remove the accounts from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX 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 2019-06-25 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: HI

Complaint narrative:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGED CH - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP, LLC
State: WV

Complaint narrative:
ADP XXXX CARD On XX/XX/2019 I noticed ( 2 ) two charges that were pending on my account. Both were {$200.00}. A total of {$400.00} was charged without my card and without my permission. I contacted the card service and made them aware of the charges while they were pending. I was told these charges needed to clear before any action could be taken. I phoned back after the two charges cleared and was again told I had to wait 10 days before filing a complaint. I waited the 10 days and filed the complaint. 
Still nothing has happened and the charges still stand. The card was stolen, used for {$400.00} without my permission.

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 2019-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Multiple times Ive sent letters asking a negative account thats been paid off to be removed from reporting and there has not been a response. In addition to sending letters Ive called and have been promised call backs and 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 non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I received an official looking letter from a company called Convergent, trying to collect a debt that I dont owe and know is a scam. 
After looking up this company, I know its a scam. Theyve also tried sending my friend letters like this before, pretending to settle the debt for a lower amount. 
Theyve already scammed me out of hundreds of dollars before I realized what they do.

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was recently made aware by a business I was attempting to open an account with that equifax has a fraud alert placed on my credit report. I have never requested from equifax. I have contacted them several times in an attempt to remove any all alerts that they have placed on my report. As of the writing of this complaint, they have yet to take any action to remove these fraud alert and freezes from my report. This has been a problem with this agency only for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Right Key Mortgage, LLC
State: MA

Complaint narrative:
Right key mortgage almost made us lose money invested into a house, including inspection, appraisal, and FHA repairs worth over {$3000.00}. They wanted us to bring an additional {$10000.00} to closing at last minute- two weeks prior to closing. They neglected our process and then towards to end were not able to close ; forcing us to switch companies entirely. Once this happened, someone on their end called our new company and disclosed my personal information with the sellers agent in orders to affect out closing. Luckily we still got the house after a nightmare of a process. Very unhappy with their lack of professionalism and how they disclosed my personal information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
According to the Final Escrow Account Disclosure Statement, my escrow balance as of XX/XX/2019 was {$2200.00}. I was told by the original loan servicing company that the funds were transferred to the new loan servicing company on XX/XX/2019. However, as of XX/XX/2019, the funds new loan servicing company has not received the funds. I have made several phone calls to the original loan servicing company, have spent an excessive amount of time attempting to receive confirmation that the funds were transferred, but have yet to receive documentation or proof that the escrow balance was transferred to and received by the new company. As a result, my monthly mortgage payment has been increased by {$670.00}. During my last call to the original company, I spoke to a supervisor who promised to provide me with the requested proof of transfer ( i.e., method of transfer, tracking number, etc. ), by the close of business on XX/XX/2019, but I have received no information, documentation, e-mail or telephone call from the manager.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper continues to be incapable of managing an escrow account. This will be at a minimum the 5th times I have filed a complaint about their mismanagement of my escrow account since XX/XX/XXXX. 

I have been emailing them since XX/XX/XXXX about my increase in real estate tax, and they have REFUSED to correct my escrow withholding to cover this increase. They almost sent me money back which would have shorted it just before the payment was due by more than {$100.00}. 

I again, last week emailed them about the continued error in the escrow analysis, using last years tax amount for the upcoming XX/XX/XXXX payment and they REFUSE to fix it. 

This company has no business staying in business. What will it take for you to shut these crooks down?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I used the Request Money transaction in Pay Pal on XX/XX/XXXX to request {$200.00} from a friend. She responded and sent me the amount. At least 24 hours went by before I moved the money to my bank account. On XX/XX/XXXX I again used the Request feature for {$300.00} from a different friend. At no time during either transaction was I advised that there would be a fee nor did the website advise on the Request page that there would be a fee. On XX/XX/XXXX both my friend and I were having problems getting into Pay Pal at approximately XXXX XXXX. At XXXX XXXX we were able to complete her end of the transfer. I helped her walk through it as she had not done it before, at no time did she click on anything that this amount was for goods and services. When she completed her end, I then logged into my account and verified that my Pay Pal balance was {$300.00}. I had to take a call and leave for an appointment. Later that afternoon I went in transfer the money to my bank account, however, I noted the balance was {$290.00} now because a {$9.00} fee had been taken by Pay Pal. At XXXX XXXX EST I called the Pay Pal customer service number at XXXX. I was finally able to reach a live person who said his name was XXXX, we were on the line for 29 minutes and he could not explain why my transaction on XX/XX/XXXX was not also charged a fee, he said it must have been an error on their part. I asked to speak to a supervisor, he said there were none there. I asked for his last name, he refused. I asked for his employee ID, he refused. He gave me his extension as XXXX. After further discussion he said he would find a supervisor. He kept me on hold for long periods and I finally told him I would call back later as we had been on the phone for 29 minutes. I called back to the same number at XXXX XXXX EST and reached XXXX, she was giving me the same run around so I asked for her supervisor. She put me on hold, within a few minutes I could hear and XXXX answered identifying himself as a supervisor. We went through everything and he was not able to tell me where I would have seen the information advising me of a fee. I asked for his last name, he refused and said it was company policy. He said he could give me his supervisor ID which was XXXX. I asked for his extension number and he said they did not have extension numbers. I told him about the previous call and that XXXX had given me his extension. He said that XXXX must have been mistaken and that was his emplyee ID. I advised him that I would be filing a complaint regarding employees using false names ( XXXX was clearly at an offshore phone center ), not disclosing fee information upfront and for refusing to provide full identification and contact information. This second call lasted 43 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 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: Auto Trakk, LLC
State: MI

Complaint narrative:
There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet XXXX won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX   and the company AutoTrakk LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MI

Complaint narrative:
Dismissed Bankruptcy from XX/XX/2017 I've tried Equifax to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XXXX, a third party. Well I have my XXXX file and it shows no bankruptcy on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Equifax credit bureau.

Company response to consumer: Closed with explanation