vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NV

Complaint narrative:
Experian verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.

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 2019-06-20 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: IL

Complaint narrative:
I have disputed a XXXX XXXX account that's on my credit report for a Year now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I want it Removed!!!

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 2019-06-20 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: NV

Complaint narrative:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: LA

Complaint narrative:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-06-20 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: LA

Complaint narrative:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have been with XXXX, XXXX, XXXX XXXX etc. for over 30 years. i have had numerous problems with the billing from XXXX. i cancelled service in XXXX and changed to XXXX XXXX XXXX in XX/XX/2018. 
1 ) found out that DATA overage was the issue, changed to UNLIMITED data.

2 ) charges for overage on DATA continued.

3 ) after cancelled service, charges continued along side charges with XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/2017 I obtained a Comenity Bank/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
See attached Florida case law. The Statutory presumption in section 673.3081 ( 1 ), Florida Statutes ( 2008 ), provides the following : " In an action with respect to an instrumen, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings ''. 

On XX/XX/XXXX, XXXX XXXX, filed a foreclosure action. In support of their action, the promissory note containing an allonge was attached to the complaint. In XXXX XXXX XXXX v XXXX XXXX   XXXX XXXX XXXX, a homeowner challenge the allege signor to the allonge filed. The court concluded that the defendant have every right under Florida Statute 673.3081 ( 1 ), to challenge the signature or any endorsement, allonge reflected on the instrument. Therefore a homeowner has every right to request any information pertaining to the signature on the instrument. 

On XX/XX/XXXX, A qualified written request under section 6 of the Real Estate Procedures Act ( RESPA ), was provided to Suntrus. The servicer replied by stating that the information seeking is considered confidential. I disagree and the Florida section 673.3081 ( 1 ), also disagrees because the information seeking pertains to a signature on the promissory note. The question is not confidential because we are NOT seeking private information as to the allegesignor place of birth, home address NOR her phone number, but simply the following questions that do pertain to the signature on the instrument. The question is as follows : 1 ) is XXXX XXXX an employee of Suntrust mortgage Inc? If yes, when did her employment start and ended? 2 ). Is XXXX XXXX a representative of Suntrust Mortgage? 3 ) Is XXXX XXXX authorize by suntrust mortgage to sign endorsement, allonges? If yes please provide corporate resolution redacting her signing power.

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 2019-06-20 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: NV

Complaint narrative:
XXXX  verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.

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 2019-06-20 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: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.

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 2019-06-20 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: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.

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 2019-06-20 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: NV

Complaint narrative:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account

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 2019-06-20 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: NV

Complaint narrative:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account

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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.

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 2019-06-20 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: PA

Complaint narrative:
XXXX XXXX card Company must have change name to XXXX XXXX Date open XX/XX/XXXX Amount XXXX fraudulent account identity theft unknown person open account using stolen identity to obtain credit card account in my name account was supposed to be deleted back in XX/XX/XXXX from XXXX XXXX attached is letter stating XXXX will delete account because it's a fraudulent account

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 2019-06-20 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT. I FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM TRANSUNION, XXXX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
J G Wentworth missed my closing date by 5 days. I was finally informed that Wentworth did not service land lease properties, even though they knew from the beginning as stated on the purchase agreement, that the condo was on corporate leased land. That was the ONLY reason they gave. Escrow by this time was in it's fourth week, fees paid, deposits, inspectors, title and realtors, spending unbelievable amounts of time on the process. Leased land properties are very common in southern California and Wentworth cost everyone concerned thousands of dollars in time and money. This was through XXXX XXXX, executive membership program. Incidentally, recommended by Wentworth broker.

Company response to consumer: Closed with monetary relief