vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: CA

Complaint narrative:
I sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: CA

Complaint narrative:
I sent this company a dispute letter dated  XXXX   XXXX ,  2017. H ere I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I purchased office furniture and they never sent me a bill but then reported me late to the credit bureaus. We knew a payment would be due, we just did n't know when and they never sent us a bill. By the time we got it straightened out we had a late payment on our credit reports.

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 2017-06-08 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: Seterus, Inc.
State: GA

Complaint narrative:
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: TX

Complaint narrative:
Called left a message describing the debt. Threatened to take action against me. On first call from then.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I have tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.

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 2017-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.

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 2017-06-08 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: TX

Complaint narrative:
Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
As per the attachment, this loan was paid off on   XX/XX/XXXX . On  XX/XX/XXXX , t he PMI monthly premium was deducted for  XX/XX/XXXX . This should not have been deducted. As you can see on  XX/XX/XXXX  the PMI for  XX/XX/XXXX was already deducted. Why was I charged PMI for  XX/XX/XXXX when the loan closed on  XX/XX/XXXX ? I have made many calls to shellpoint to ask for my refund and have been told that this deduction should not have been made and that my refund is being processed. I do n't believe them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: NC

Complaint narrative:
XXXX   XXXX ,  2017 Federal Trade Commission Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX ,  XXXX , Transunion,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from  XXXX  stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX     2017 (  recently updated i n May the s ame balance. I also received an alert from Transunion that my balance is {$19000.00} and has been so since  XXXX ,    2017 I co ntinue to send the same documentation to the Transunion,  XXXX  and   XXXX   ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  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 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc.
State: SC

Complaint narrative:
I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: CA

Complaint narrative:
I sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AL

Complaint narrative:
On or about  XXXX   XXXX ,   XXXX  , I received a phone call from  XXXX   XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with  XXXX  points Total cost financed with be only  XXXX , which with the skipped payment and savings are recouped in 4 months.   Payment with Tax and Insurance will be  XXXX  per month.   This loan will payoff both the first and the second loan and will save you  XXXX  per month.   As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.  <P/> I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.  <P/> On  XX/XX/XXXX , I was notified that a  XXXX   XXXX  was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with  XXXX , he indicated he had been out of the office for a while. On  XX/XX/XXXX , I provided another form required for the loan.   On or about  XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to  XXXX  and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on  XX/XX/XXXX  with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?  <P/> No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.  <P/> This was a bate and switch.

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 monetary relief
Consumer complaint received 2017-06-08 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: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: MT

Complaint narrative:
On  XX/XX/XXXX , I sent a document to Experian,  XXXX  requesting the verification of debt that they were reporting according to the Fair Credit Reporting Act. I requested copies of this verification . ( See document A ) Experian did delete some accounts but only stated that the rest were verified and   provided no copies of the verification.   I sent four more documents ( see documents B, C, D , E ) requ esting the verification of the debt along with copies of the verification ( Consumer contract ). These documents are dated  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Again, Experian only responded that they were verified but has refused up to this date to provide any documentation or copies of this verification. Experian sent me their method for verification without sending the verification.   I would also like to point out that in one account (  XXXX   XXXX   ) ( See  documents F, G, H, I ). Experian reported in their response  on  XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX  that the account meets requirement of the Fair Credit Reporting Act. Experian did not send me any verification at any time but in document ( I ) dated  XX/XX/XXXX  Experian stated the outcome of their investigation in response to my fourth request ( documen t D ) was  to delete the account. Experian stated in three previous responses that this account was verified and met requirements ( F, G, H ). How is that? I do not believe that Experian verified any of these accounts as they claim and they have refused to provide any original or copies of the debts that they are reporting.

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 2017-06-08 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: NC

Complaint narrative:
XXXX   XXXX ,  2017 Feder al Trade Commission  Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX , Experian,  XXXX ,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from Experian stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX    XXXX    ( re cently updated in  XXXX  the same balance. I also received an alert from   XXXX   that my balance is {$19000.00} and has been so since  XXXX ,  2017 I con tinue to send the same documentation to the  XXXX , Experian and  XXXX  ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  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 2017-06-08 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: NC

Complaint narrative:
XXXX XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation