vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need to file once again a complaint on Experian for miss use of my credit file I just got an email alert not 10 min ago about someone at Experian had open up a dispute on my XXXX XXXX account. Never have I asked Experian to investigate the XXXX XXXX account and Not sure who would be dealing with an account that I didnt dispute??? This has really got me Puzzled why are you tampering a trade line that I didnt dispute? Please EXPLAIN CFPB could you please look into this matter as well. I have already contacted the MINNESOTA AGS OFFICE AS WELL! 
Experian Get it together Pease! And do your Job!! For the accounts that you are Disputing for the opening Disputes I will exercise my right Under the FCRA 611 ( A ) ( 7 ) for your description of procedure used by your agencies. Providing all Information to be more specific based on the FCRA 611 ( A ) ( 2 ) ( B ) I DONT BELIEVE THAT YOU ARE DOING FULL INVESTIGATION LIKE YOU SHOULD. Please Remove XXXX XXXX from this dispute list AND REPORT IT AS NOTHING WRONG EXPERIAN IF YOU ARE UNABLE TO SEND ME WHAT Im asking for Please DELETE THE ACCOUNTS THAT ARE IN DISPUTE THEY ARE CALLED UNVERIFED ACCOUNTS IF YOU CAN NOT VERIFY ANY ACCOUNTS PER FCRA THEY MUST BE DELETED. Here is a list that I supplied to you I WANT full Proof from what you sent to the creditors what they sent back to you who you spoke even down to employee ID NUMBER TO SHOW THAT YOU ARE DOING YOUR JOB CORRRECTLY. Experian I will tell you right now Im not going any Place until you show me your Full investigation of every dispute that you claimed to have disputed. As for the Other 3 accounts I suggest that you delete those ASAP because I have proof that you DID NOT INVESTIGATE SOME ONE AT YOUR LOCATION CHANGED THOSE ACCOUNTS NOW I WANT THE PROOF I SENT IN A TON OF FACIAL INFORMATION BUT YET YOU STILL VIOLATE MY RIGHT NOW THE TABLE ARE TURN I NEED FACTUAL INFORMATION FROM YOU! Lets play this and lets do this the party has just begun also if you dont play fair I will EXECUTE A LAWSUIT also show me what dispute letter That I sent in asking you to even touch my XXXX XXXX account. Get your XXXX together!

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint was denied

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for services that I never used. The original debtor appears to be utility account that I never authorized. This account does not belong to me.

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 2019-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
a woman by the name of XXXX XXXX was the loan officer in charge of my loans at the XXXX XXXX of XXXX  XXXX county. she forced me to sign off on documents that I had no idea what they were for. I was asked to forge my moms signature and take out an extra {$20000.00} in loans which are now in collections in my name on my credit. we later found out that this woman was fired from XXXX after more fraudulent behavior..I don't believe this loan should be my responsibility anymore because this woman had me sign papers FORGING my mothers signature as well as the fact that my school has gone bankrupt and is completely GONE now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
In XX/XX/XXXX we applied for a loan approval with Guild Mortgage, our Sales Manager was XXXX XXXX. We attempted to have a face to face meeting multiple times with him so we can have a firm understanding of what to expect for mortgage costs etc. The sales manager didn't set up a meeting with us until XX/XX/XXXX and we never received a GFE ( Good Faith Estimate ) before this date. During this meeting I explained to XXXX that my girlfriend was XXXX  and these financial numbers didn't make sense for my family and I, and I couldn't afford this loan on my own. My girlfriend and I decided that she shouldn't return to work and focus on raising our soon to be XXXX XXXX. I asked XXXX why he waited this long to have a meeting with me about this and he had no excuse and all he did was apologize. If my family and I knew before hand how much the mortgage was going to be and all other details we would've avoided doing business with the home builder XXXX XXXX. Because of XXXX 's unethical business practices and incapability to handle our transaction responsibly, I have lost {$16000.00} to the builder and they refuse to refund any/all of the financial funds. I attempted reaching out to Guild Mortgage branch manger XXXX XXXX through email to explain to her the situation going on, she was unresponsive. I emailed XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX has incorrect personal information in their file about me. I have tried to get it changed through their dispute process. I have found it impossible to verify or check if they have made the corrections. 
Equifax credit report shows that I lived in XXXX XXXX and that I worked for XXXX. I have never even been to Kansas and have never worked for XXXX. 
I filed a dispute with Equifax and filled in their form and sent identification required to validate who I was. I indicated the corrections I wanted made. I received a confirmation number back from Equifax. # XXXX. 
However, I have been unable through their online system to verify that any change has been made. I have called Equifax and each time I am asked numerous questions to verify my identity. They always get to the question asking what the monthly payment is for my credit cards. I don't make a fixed amount payment. I always pay the entire balance each month. 
Apparently that is sufficient for Equifax to not validate who I am. I was upgraded to a supervisor and spent ages on the phone with him. Same result. Even though I had a copy of the original report from Equifax in front of me and could provide tons of information, because I don't have a monthly payment amount to credit card companies it's impossible to to talk to them.. 
They have incorrect information and it seems impossible to get it corrected. 
The other two agencies have correct information. This incorrect information has created problems for me when a bank or other credit agency ask " security questions '', Frequently there are street addresses I have never heard of, when I respond No to having lived there, I am invalidated. All because Equifax has a incorrect address for me. In fact now they have two, the Kansas address and the address of a company that did property management for us. 
Correcting my own credit information should not be impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I just received notification that this account was added to my credit report. I have not received any communication from this company. I should have received a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported 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 explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted Transunion regarding unauthorized inquiries on my report and they told me to contact the creditors that put the inquiry that is not in compliance with fair credit reporting act which hold Transunion responsible to investigate unathorized items on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi, I got approval for Gold Delta miles card from American Express on XX/XX/2019. 
The terms for promotion is so simple. I can get XXXX Delta miles if I use $ XXXX in 3 months. 
So I met the requirement for spending in XX/XX/2019. 

Till XXXX, I couldn't see the promotion miles on Delta site. I contacted American Express and they said I can get the promotion in a couple of cycles later. 

On XXXX, I couldn't see the promotion miles on Delta site. So I contacted Amex again and they said they can not give me the promotion because I may not use the credit card. I think I met all requirement for the promotion so I have to get it. 

Would you help me to get it? 

My card number was XXXX XXXX XXXX and skymiles number is XXXX Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TX

Complaint narrative:
I am a victim of identity theft. I sent in the police report, the ftc report as well as notarized documentation for my proof of incident. Equifax has refused to block this incorrect and fraudulent info from my credit report stating that the information was verified. I dont understand how an account that I did not open could be verified for me. The accounts in question are a XXXX XXXX XXXX card account XXXX and a XXXX XXXX XXXX account Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX does not follow their published payoff terms and dates After vtrying to notify them of my fathers death they asked for a copy of trust agreement showing me a the trustee which I mailed on the day they gave me the information they requested however three days later I receive a letter stating that I had 8 days to respond to this letter which said they did an inspection and need me to prove intent to sell and that I was maintaining the property when they had already received that info and if not rectified they would change locks and proceed with charging me fees. after looking this company up on line they have numerous complaints about the same unethical practices.This has been going on for years and no action has been taken by any government agencies. these other people lost homes due to the misrepresentation of this company I feel like no one cares as this company basically steals the people money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Unable to reach mortgage company ... on hold for hours at a time. Need to set up auto-pay. Unable to do so on their website

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, We previously had a credit card with Capital One in my wife 's name, 'XXXX   '. We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX offering a settlement on behalf of Capital One for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either XXXX XXXX XXXX or Capital One since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXX XXXX XXXX on behalf of Capital One ( File # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from XXXX XXXX XXXX XXXX or Capital One. 

XXXX we tried to call Capital One, but was routed to XXXX XXXX XXXX XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to Capital One right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by Capital One. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX a notice was dated that stated my mortgage loan had been transferred effective XX/XX/XXXX and that a new servicer would be collecting payments. I was unaware of this when I submitted my payment for XX/XX/XXXX to my orginal servicer. I called the original company on XX/XX/XXXX because I noticed my check had not cleared and was told that it could be mailed back to me due to the transfer. I received 2 return fees from my bank on XX/XX/XXXX and XXXX for {$32.00} each subsequently because I pulled money from the account as I believed the check would be returned to me as was stated and I would write a new check for the amount due to the new servicer for XXXX and XXXX. 

When I called the new servicer Specialized Loan Servicing on XXXX to determine if they had the check they would not tell me if they attempted to cash the check twice that was addressed to XXXX XXXX. Further they were very hostile and threatened to put me into foreclosure. Additionally the supervisor said my loan was late although the transfer notice stated it would not be treated as late. I simply tried to figure out who attempted to cash the check between the two and I felt that I was in a game of not me which I feel is a violation of my rights as a consumer to be treated fairly and be provided information. I simply asked for a credit or refund of the fees and for my credit to be reflected accurately due to the failure of these two creditors to transition the loan in a timely manner. To date this check still has not been cashed nor returned to me and I would like to make this complaint regarding the bullying I endured and attempted scare tactics and request a check in the amount of {$65.00} be disbursed to me from Specialized Loan Servicing.  Thank you.

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 2019-04-16 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:
The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, 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 non-monetary relief