vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 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: GA

Complaint narrative:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


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 non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from the mortgage company stating they needed proof of insurance. I had insurance on my home when I bought it on XX/XX/XXXX. So I contacted the insurance company preferred mutual on XX/XX/XXXX it was then that I was notified the policy was pending cancellation due to non payment on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX  to inform them that I have insurance and it's due to be cancelled on the XXXX if they don't receive payment. They told me to tell the insurance company to fax the bill toXXXX and they'll try to overnight payment to them. I let a week go by and checked my escrow account the insurance payment still haven't posted. So I called the insurance company again the person I spoke with said it was faxed over on XXXX, then I called the mortgage company they stated they didn't receive it, and tell the insurance company to e-mail it to XXXX. I then called the insurance company with that information they stated that they'll get that done. at that time it was within a couple days of being cancelled so I waited another week the money still didn't post to my escrow account. Now because the policy has been cancelled I called my agent to let her know what happened and see what I could do about it. Since it had not been past 30 days since cancellation they can get payment and renew the policy. Now 3rd time call the mortgage company I was told to have my agent e-mail the bill to XXXX with the loan number in the subject box and they'll try to overnight a payment. Now once again didn't hear anything. All of a sudden I get a email from my mortgage company stating that my hazardous insurance is paid in the amount of {$1000.00} but the insurance that I have was only {$720.00}. I look online at my account it's some insurance that the mortgage company added meanwhile I don't have no type of paperwork pertaining to this insurance. On XX/XX/XXXX I called my agent to try to get my insurance back and couldn't because it was lapse for over 30 days, due to the lapse I can't get no competitive rate. the new insurance policy I have cost me {$980.00}. Called the mortgage company and had a fit. They said as soon as I get proof of insurance to email to the same email address previously they'll update the account and then I'll maybe get reimbursed. This was a issue that was not caused by me.. in reality had nothing to do with me all I was supposed to do was make my mortgage payments and that's what I did now I may have to suffer with the 30 day lapse for years this wasn't right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: ND

Complaint narrative:
On XX/XX/2018, I received results of an investigation that TransUnion had conducted on account # XXXX on my credit report. They stated that they had deleted this account and verified it as accurate at the same time. When I spoke to a customer rep on the phone, they stated to me the creditor which is XXXX XXXX XXXX XXXX had failed to verify the information on the account and that it was deleted from my credit report. But further investigation on my behalf, shows the account still listed on my credit report with TransUnion. This kind of erroneous reporting constitutes fraud on behalf of TransUnion, and I intend to pursue legal action against them pursuant to my rights under the guidelines of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 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:
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/TRANSUnion/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/TransUnion and XXXX  to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I fully paid off a loan with XXXX  XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions. 

UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPay opened a line of credit in my name without my authorization or without notifying me. I only found out when I received a bill via email for a charge that I didn't make. I don't use Paypal, I opened an account in about 2011 and never used it. I certainly never authorized a line of credit and never accrued this charge ( especially considering the fact that I have no idea how to log in ). I reported the false charge to PayPal in early XX/XX/XXXX  and reported that I never authorized the line of credit. They said that they would look into the charge. The next month I received another bill, this time for a higher amount. I called PayPal again in XX/XX/XXXX and again reported the false charge and the unauthorized account. Again, they have done nothing. Now, in XX/XX/XXXX, I just received another bill for a higher amount. I have tried to resolve this multiple times, but PayPal, despite creating an illegal credit line without authorization has refused to resolve this issue. I am not paying for a fraudulent charge on a line of credit that I never authorized and that was illegally created.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson, LLP,  stating that my Driver 's License " may be suspended '' and that I owed {$380.00} for XXXX to XXXX County Clerk of Courts. On XX/XX/XXXX, I called the number and spoke to a XXXX that stated they had been hired by XXXX Clerk of Courts. 

I explained to XXXX that I had already gone to court for the issue and the case was dismissed since I showed proof that I was not in possession of the vehicle running tolls. 

I have been in contact with the XXXX Clerk of Courts, Traffic Division, in addition to the Toll Authorities regarding these issues several times. On XX/XX/XXXX, I called and emailed the Toll Authorities in  addition to requesting yet another court date for the same issue, same vehicle, different ticket and never heard anything regarding another court date. 

On XX/XX/XXXX, I recalled the Toll Authorities again and it was verified that I did request another court date. I was also informed there was a 3rd toll ticket pending for the same vehicle, different date. 

Today, XX/XX/XXXX, I sent numerous communications to XXXX Clerk of Court, asking for the Name and Contact Information for the Hearing Officer since they advised me on XX/XX/XXXX, that they never received another court hearing request and I would need to contact the hearing officer. 

What they did not receive was another {$20.00} to keep my license unsuspended until a second court date was scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
An entry on my XXXX credit file for a collection. Can not reach company to dispute. An entry on dated XX/XX/2018 to my XXXX credit file from Receivables Mgmt Group that states that I owe XXXX ( original creditor ) the sum of {$830.00}. XXXX has never sent me a bill, nor do I recall ever visiting XXXX. Receivables Mgmt Group also has not sent any correspondence regarding this debt and placed it on my XXXX credit report without doing so. Under the Fair Debt Collections Practices act, I have the right to request validation of the debt ; not VERIFICATION. Reporting this debt under the Federal law may constitute fraud. Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide me documentation that indicates that I agreed to pay someone this sum of money. What was the original date of delinquency for this account? Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? Also there was no account number listed on the collection, so this makes me think that this really does not belong to me, so I need to know if this debt is actually valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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:
My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX XXXX XXXX   credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XX/XX/2018, Equifax is discriminating against my name. When I call they try to ask me twenty questions to verify my identity. I am a male and they think I am female due to my higher voice. I answer all their questions correctly and they just keep harassing me with more questions. I then ask to speak to the supervision and they do the same thing. I told them today I was reporting them to the cfpb-they didn't care. 

All I'm trying to is dispute something on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I have requested that CONSUMER PORTFOLIO SERVICE XXXX XXXX XXXX XXXX, CA XXXX XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you  are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX Ticket # XXXX OnXX/XX/2018 I applied for a credit card through XXXX XXXX  XXXX XXXX XXXX  and purchased a XXXX  phone ( XXXX XXXX ), case and screen protector. The cost of this purchase was {$770.00}. I was given a temporary card number ending XXXX. On XX/XX/2018 I returned the phone to XXXX  who insured me the credit will reverse the charges. Early XX/XX/2018 I received a credit alert that my credit was affected and I had an outstanding balance on card ending XXXX.

I went to the XXXX   XXXX # XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XX/XX/2018. I was given another promise that this charge will be reversed and my account will be closed per my request. The XXXX  representative at the time spoke with a representative at XXXX XXXX who stated this issue would be resolved within 30 days. XX/XX/XXXXI received another credit alert that my credit score dropped again affecting my ability to get a small loan. Again the XXXX representative called a representative for XXXX XXXX XXXX XXXX XXXX  and was given more information about what the issue possibly is.

The XXXX XXXX  representative stated the credit to revers charges was put against the temporary card ending XXXX and not the permanent card ending XXXX. This is an internal error and is causing me great credit grief as well as it is time consuming disputing charges that both XXXX and XXXX XXXX have documentation for. I was told on XX/XX/2018 this issue would be reversed, my account would be closed and they would be in touch with me with a letter confirming closure.

To this date XX/XX/2018, I have not received a confirmation ticket # XXXX was resolved. I called and spoke to a representative who told me this ticket is still open and I owe {$340.00} on a {$940.00} bill. This is unacceptable and damaging to my credit rating.

Mr. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: GA

Complaint narrative:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: OR

Complaint narrative:
On XX/XX/2018 I initiated an online payment to my mortgage company Sierra Pacific for loan number XXXX in the amount of {$1900.00}. My bank sent off payment and debited my checking account for that amount on the XX/XX/XXXX. In XX/XX/XXXX I received several " automated robot calls '' telling me to call Sierra Pacific,  having left no reason for calling and the vague nature of the calls, I assumed these calls are a scam I did not return the calls. I got back from vacation and found a past due notice from Sierra Pacific. 

I contacted Sierra Pacific on XX/XX/2018 and supplied a screen shot of my account showing that the check was sent and debited from my account. They responded that they needed a copy of the check front and back OR a electronic transmittal form, they also mentioned that they cancelled my ticket #. I sent in the electronic transmittal form to Sierra Pacific and called them up. The lady mentioned that my ticket was closed, but the investigation was open. I sent in my mortgage payment for XX/XX/XXXX on XX/XX/2018 and I am worried that that might be lost as well. 

I am uncertain what to do and I am worried about the negative impact on my credit. Sierra Pacific is non-responsive. Please help me if you can.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief