vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: VA

Complaint narrative:
Despite multiple requests, the unverified item with  XXXX , inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted  XXXX  via mail and have returned undelivered mail with inaccurate address on file, and via phone  XXXX  has told me I never had account with them. TransUnion is 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 which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, 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 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the   XXXX   creditor.

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 2017-07-17 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: SC

Complaint narrative:
I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/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 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Good Afternoon, My name is   XXXX   XXXX   I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP   XXXX   XXXX   XXXX    XXXX , TX  XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # :  XXXX  Business Name : Credit Management, LP on   XXXX   XXXX   as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Unauthorized inquires are on my report from Capital One Bank, NA for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all  XXXX  credit bureaus. These items were not authorized by me and should NOT be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See attached Cease and Desist # 1 letter which I sent on XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on   XX/XX/XXXX , I c alled   XXXX   and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,   XX/XX/XXXX  to pr esent,   XXXX   XXXX   since   XX/XX/XXXX  t o present and more. See attached letters of my conversation and list of documents.
 XXXX 
I called again on XX/XX/XXXX   XX/XX/XXXX   following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on   XX/XX/XXXX .  We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to   XXXX    validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan w ith JP Morgan Chase, EMC and other questionable issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I  'm trying to get the  XXXX  form for 2016 and I ca n't get anyone to fax nor email ( thru encryption ) ... .... They wo n't sent it to me and I need it today.

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 2017-07-17 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: CT

Complaint narrative:
My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with  XXXX  missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made  XXXX  payments since   XXXX   of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with Transunion. I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my  FICO   down  XXXX  points.

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 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
<P/>
I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.

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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /2017 and are proceeding to sale set for  XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: KY

Complaint narrative:
Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.

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 2017-07-17 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: KY

Complaint narrative:
Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC
State: FL

Complaint narrative:
Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TX

Complaint narrative:
I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with Transunion and  XXXX . Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.

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 2017-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On  XX/XX/XXXX  I sent in  3 bills, 2 water and one car insurance bill. I received proof that it was received. I w aited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on  XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

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 2017-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been speaking to   XXXX   in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear back   from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX  that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company response to consumer: Closed with explanation