vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: SC

Complaint narrative:
On XX/XX/XXXX, I pulled my credit reports from all three of the major credit bureaus ; XXXX, XXXX, and XXXX. I noticed Americollect INC has 2 alleged collections on all 3 credit bureaus under my Social Security number. One collection for {$1900.00} and the other for {$92.00}. The smaller {$92.00} collection is dated for XXXX XXXX of XXXX which I have never received any written notices of this alleged debt along with the other ( {$1900.00} ) which has an open date of XXXX XXXX of XXXX, each stated as past due in the status field ; which by law is ILLEGAL per FCRA 623 ( a ) ( 7 ) subparagraphs ( A ) and ( B ). This is the first of my knowing of this company. I sent a letter for validation of me signing a law binding contractual obligation with this company, Americollect INC for the two accounts which they allege that I OWE THEM on XXXX. I am highly dissatisfied with their remarks on my credit file ( XXXX ), " account information disputed by consumer, meets FCRA requirements '' when they are unlawfully ruining my credit with their illegal and unethical credit reporting, incomplete account numbers, and missing information. I have never dealt with this company in any form or fashion, being that they aren't even a business entity in the state of South Carolina. I have also written my state 's Attorney General, XXXX XXXX and the Attorney General of Wisconsin, XXXX XXXX of this matter. Again, I have not once received any notices to date ( XXXX ) that I have any contractual obligations, or accounts with Americollect Inc let along any accounts in collection or past due!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/19 a letter was sent out from Westlake Financial indicating I owe {$370.00} plus a {$95.00} late fee, Westlake has stated several times that my check was returned when I done even XXXX XXXX XXXX, I called on XX/XX/19 and Westlake customer service rep stated I owe {$600.00}. This company has lied regarding the amount due and owed for a year I paying on this loan. The letter states {$370.00} and I sent {$500.00} before the letter was mailed by XXXX. 

This interest only loan is deceptive and used to charge customers triple the value of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2019-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I got a loan modifications in XXXX. I was a victim of a predatory lenders in XXXX. I got a loan modifications with Carrington mortgage and because I was in a pickle and was eager to save my home I didn't realize how they were robbing me. My original loan was amortized at 424 months Carrington changed it to 337 months. They want a balloon payment in XXXX. They added {$4700.00} and my payment went from {$590.00} to {$580.00}. They claimed they wrote off {$290.00}. In the a part of the terms of the modification it states that any increase in the amortization period can result in a balloon payment. Item b States that there was XXXX   amount deferred so please tell me why a balloon payment? They have transferred my loan to XXXX who is another predatory lender and they are looming for a prepayment and a balloon payment. I don't see why. They are predators and continue robbing consumers. Please advise if I need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-31 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2019-12-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my attorney sent a letter to Experian disputing an item on my credit report. 
In a letter dated XX/XX/XXXX Experian replied they investigated the item and it was a valid debt. In a letter dated XX/XX/XXXX, my attorney sent Experian an FCRA 611 ( a ) demand to Experian to provide the method of verification they used to verify the disputed item. 
In a form letter dated XX/XX/XXXX, Experian again responded that they investigated the debt and it was valid. They ignored my attorney 's FCRA 611 ( a ) demands to provide the method by which they verified the disputed item on my credit report. 

After complaining on XX/XX/XXXX to the CFPB complaint number XXXX-XXXX Experian claimed that they will investigate the matter. I later received a letter from Experian just stating the same draft words the account was verified without providing me without any method of verification. This is a violation of the FCRA.

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 2019-12-31 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: PA

Complaint narrative:
On XX/XX/2019 I forwarded verification letters to the three credit bureaus. My documents included the verification letter, copies of my drivers license, my social security card and my XXXX gas bill. 
Since these are delicate documents, I had them notarized and sent them certified via US Mail. I received the green tracking receipt from XXXX and XXXX  in the mail by the XXXX and the XXXX of XXXX, respectively. I received a letter days later from Equifax stating that they needed verification of my identity. As stated above, I sent these items initially. In addition, I never received the green tracking receipt from Equifax. Who knows where my personal information is now. I need to know what happened to my personal documents. Also, I expect them to follow the legal guidelines regarding a timely response to my verification inquiry. I think this matter has been handled in a highly careless and irresponsible way. Very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX personnel mailed a completed and certified IRA Rollover/Transfer request to the BB & T branch office at XXXX XXXX XXXX, XXXX, AL. On XX/XX/XXXX I requested the status of the transfer from XXXX and was advised nothing had been received from BB & T. 
On XX/XX/XXXX I went to the BB & T branch office and one of the branch bankers fished the envelope out of her desk, saying 'I thought it was junk mail so I didn't open it. I figured I'd hang onto it for six months and see what happened. ' She did not explain why she failed to open the envelope. She did explain that she thought it was junk mail because part of the address was misspelled as 'XXXX  ' instead of 'XXXX. ' The XXXX XXXX logo was in the return address upper left corner and the stamp was a XXXX XXXX metered stamp. 
If the banker had opened the envelope and processed the rollover in a timely manner, I would not have lost apx {$130.00} from the long-term IRA Certificate the money was to be deposited into. 
During my conversation with the branch banker, she called and spoke with another woman at BB & T headquarters and was advised that the IRA department was closed and no, BB & T would not accept the form as a fax. 'BB & T will not accept faxes from anyone other than our own branches. ' If the banker had read the form, she could easily have contacted me for any questions or concerns. 
The BB & T banker stated she would 'overnight ' the form to HQ on XX/XX/XXXX for processing since they did not do any IRA work in the branch banks. 
I cancelled my checking account while there but did not cancel my credit card because the banker advised I had 'nearly {$100.00} in reward points. ' She recommended I redeem the reward points first. 
However when I attempted to redeem the points on XX/XX/XXXX, they had been deleted from my 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 2019-12-31 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: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2019-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is PHH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
On XX/XX/XXXX, after receiving notification of a person fraudulently applying for a credit card using my information, I placed a fraud alert on my credit with XXXX, XXXX, and XXXX. On XX/XX/XXXX or XX/XX/XXXX, ACE Cash Express granted a fraudulent payday loan to a person using my name, date of birth, and social security number. The funds, more than {$2500.00}, were deposited into someone else 's bank account. The fraudster used their own bank account number, home address, and driver 's license. The customer service representative stated that the loan did not go through the usual verification process before it was transferred to the thief 's bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2019, I contacted Equifax to place a credit freeze after credit card information was stolen. The web page would not let me place a freeze and said to call a toll free number. I called the toll free number and was told by a computer that I could not place a freeze and to go to the website that told me to phone. You can probably see the issue here. The alternative was to mail a form to the company, but Equifax has no forms or links to forms on its website and no instructions on the phone line. In short, I am unable to freeze my account. If I try to submit online again, it just loops back to the main page. I had no issue freezing the credit reports at XXXX or XXXX. Only Equifax is impossible to freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is the third complaint Ive submitted against Equifax. They continue to incorrectly report my credit. I have had my XXXX XXXX credit card for over 6 months now and they still wont include it in my report and thus my credit score has remained inaccurately low. I have also had an XXXX XXXX card for over 4 months that they have not included on my report. I understand that it may take a little time for the cards to show up, but 6 months is ridiculous and it is criminal that they are not including it and thus keeping my score artificially low. Criminal! My credit score affects every aspect of my life and equifax and the other agencies are ruining it, without merit! I have also had a discover credit card and XXXX XXXX savor for over 2 months. Not surprisingly those have not been reported as well. Please fix this companys ineptness at reporting my credit score accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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:
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} 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 2019-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
During the billing cycle of XX/XX/19 -XX/XX/19, the company reduced my credit limit from {$10000.00} to {$5200.00}, significantly impacting my credit score. I have never missed a payment and had a 100 % payment history from the time the account was opened. It has placed me in a difficult situation as it has negatively impacted my abilities to recover my credit score hindering me from obtaining new credit. It also forced my utilization to go from about 50 % to 100 % causing further damage to my credit score and crippling my purchasing power. I am not in derogatory and I have ensured the payments were made in a timely manner.

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 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC
State: GA

Complaint narrative:
I am filing this complaint against CKS Prime Investments. I called their office on XX/XX/19 to make a payment of {$4600.00} as this is the amount that they were reporting that I owed on my credit report. I was told that they no longer had the debt and they provided me the number to XXXX XXXX. I then called XXXX XXXX and was told that I needed to contact XXXX XXXX XXXX XXXX to make a payment as they were now the owner of the debt. I made an e-check payment to XXXX XXXX XXXX XXXX on XX/XX/19 for the full amount and was told that this would be reported to CKS Prime. The check cleared my account on XX/XX/19. I can provide my bank statement to validate payment. CKS prime has continued to report to all 3 of my credit reports and is updating the debt as unpaid and is unwilling to update their records. This is a violation of the CFPB and FCRA. I want this company held fully responsible for their illegal debt collection practices and prosecuted to the fullest extent of the law!

Company response to consumer: Closed with explanation