vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
All Principle and Interest payments are {$940.00}. They reported the following $ ND XXXX XXXX {$1500.00} XXXX XXXX {$990.00} XXXX XXXX {$1100.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$1500.00} XXXX XXXX {$5300.00} XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX Not reported XXXX XXXX {$2800.00} XXXX XXXX {$1200.00} XXXX XXXX Not reported XXXX XXXX {$1200.00} XXXX XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XXXX XXXX, XXXX for XXXX, reported late XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reportedXX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XXXX XXXX, XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Midland Funding Llc XXXX are reporting different amounts for the same creditors they keep increasing the past due amount and these accounts were all closed back in XXXX to XXXX now Midland has put an additional XXXX XXXX XXXX XXXX with an amount of {$1600.00} plus the orginal collection of {$410.00} which I have disputed these accounts and requested documentation showing that I opened these accounts which I did n't they have yet to furnish the requested documentation and I get the run around when I try and contact them. They are reporting differently between XXXX and XXXX when I question them about this they said they will send a letter which I have never gotten.There are several agencys reporting on my credit report they are listed below. 1. XXXX XXXX XXXX {$2700.00} for XXXX XXXX opened on XX/XX/XXXX 2. XXXX XXXX XXXX  {$480.00} for XXXX opened XX/XX/XXXX 3. XXXX XXXX c/o XXXX {$1000.00} for XXXX opened XXXX/XXXX/XXXX XXXX. Midland Funding LLC {$410.00} for XXXX XXXX XXXX XXXX opened XX/XX/XXXX5. Midland Funding LLC {$1600.00} for XXXX XXXX XXXX XXXX These were all disputed removed and are now being put back on with different amounts and I still havent recieved any proof that I opened these accounts. When I call the original company the company has no record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: FL

Complaint narrative:
The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: CO

Complaint narrative:
I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I bought a home in XXXX of XXXX. Because my bonus was paid a week after the closing date, I had to get PMI as I did not put down 20 %. Almost immediately, I requested from the mortgage originator the figure to pay the mortgage to the 80/20 split and have the PMI removed. After one month, my mortgage was sold to XXXX XXXX XXXX. I tried writing to them twice to the PMI removed. Nothing. I wrote a complaint to CFPB and they immediately sold the mortgage loan so as not to have to deal with CFPB. The mortgage was sold for the third time in XXXX of XXXX to SLS ( Specialized Loan Servicing ).  Beginning in XXXX of XXXX and through the present, I have written three letters requesting that PMI be removed, agreeing to pay the balance to bring the LTV to 80/20 and providing comps from a realtor providing updated values for my home. The value of the home has increased at least {$30000.00} due to a variety of factors. What have i received from SLS? The same form letter over and over again stating that I needed an appraisal that would cost between $ XXXX and refusing to answer how they calculate the value of my home or LTV. I have also called and received the same response. At this time, I am seeking the following : 1. ) removal of PMI immediately 2. ) reimbursement of the last six months of PMI while I was jerked around by SLS. 3. ) any fines or penalties applicable to the conduct of SLS such as Unfair Trade Practices or Consumer Fraud. I would also be happy to join in a class action or serve as a witness in a state or Federal inquiry/investigation of this Company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX, I received an unsolicited, pre-formatted application for student loan forgiveness ( based on XXXX ), from my student loans third party servicer. The form requested that I affix my signature to it if I wanted to have my student loan forgiven. The pre-printed statement on the application stated that : they had received information from the Social Security Administration indicating that I was XXXX. The letter stated that I DID NOT NEED a doctors verification of my condition because my condition had already been verified. I signed the letter but, clearly, informed the loan servicer that I still had two more semesters to complete before I had no further need for requesting additional loan funds. After a week, I received an email stating that my application for student loan forgiveness had been denied because I had taken out additional student loans in violation of some undisclosed rule which was based on some undisclosed end-date after which XXXX applicants were not allowed to apply for any more student loans. On a follow-up inquiry, I found that the loan servicers had, somehow, obtained an outdated address and financial information on me ( over 25 years old ) even though the address on my actual student loan documentation is current. This makes me believe that the third-party servicers are data-mining XXXX student profiles to bait and then disqualify loan forgiveness applicants so that the servicer can then charge the Department of Education additional fees for servicing a second-tier application process for loan forgiveness based on XXXX. When I contacted the loan servicer, on 3 subsequent phone calls, the customer contact representatives could not provide an appeal form on the original application and did not understand the significance of an application date as being the true end date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
Analyzed credit report onXX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the XXXX XXXX XXXX. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that XXXX a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but Trans Union will  not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
i disputed two transactions made on my Wells Fargo debit account. Transactions dates XX/XX/XXXX in the amount of {$3000.00} and XX/XX/XXXX in the amount of {$3800.00}. Both transactions made to XXXX XXXX. Wells Fargo bank did n't do nothing to get my money back, they gave me a temporary credit of {$4800.00} and than after a month they deducted it back from my account. I disputed this transactions and i want my money back but my bank did n't help me so please help me get my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I received a statement and was informed the payment would be changed from XXXX to {$8800.00} from XX/XX/XXXX for 25 months ( - {$12000.00} as shortage ). I also found out the calculation of the escrow balance was wrong. Chase escrow department has miscalculated on purpose for over seven years since XX/XX/XXXX. My escrow balance should be {$37000.00}. 1. XX/XX/XXXX : {$11000.00} Total amount of escrow I paid ( XX/XX/XXXX - XX/XX/XXXX ) : {$200000.00} Chase paid tax and home insurance from my escrow account : {$190000.00} The surplus of my escrow account is {$11000.00}. 2. XX/XX/XXXX Temporary Modification : {$19000.00} XX/XX/XXXX : Chase charged the county property tax twice. ( {$18000.00} ) Fee extra charge : {$540.00} 3. XX/XX/XXXX Permanent Modification : {$6400.00} Overcharged Escrow Advance : {$6400.00} 4. I paid {$480.00} more for the payment of XX/XX/XXXX 5.  Total surplus amount of 1, 2, 3, and 4 is {$37000.00}. 6. The discrepancy of the balance is {$49000.00} Therefore, I dispute {$12000.00} as shortage of my escrow account. Chase has been playing around and cheating with my property tax and document fees for over 7 years. I have been calling the customer service, the escalation department, and the executive office for over two months. I have contacted over 30 representatives, but they did not listen to my claim. I urge Chase to correct miscalculation immediately and the surplus amount should be applied to my principal. At the same time Chase should adjust my monthly payment. On XX/XX/XXXX, Chase informed me that there was no mistake and Chase would not adjust the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Credit Card was involved in a balance transfer check fraud transaction, where the fraudster got ahold of the balance transfer check and made multiple transactions using my account. I notified the bank of it and they were able to take off the balance transfer charges and most of the associated fees. One of the balance transfer fees was not reversed and I called the Security Investigator and general customer service rep multiple times in regards the balance transfer fee still being on my credit card. So far, they have not removed it.

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