vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Would like to see paperwork showing which mortgage company Countrywide settled my loan payoff at time off purchase XX/XX/2008. Who previously held my note? No official legal documentation can be located to justify those figures quoted over phone interviews were ever produced as promised to myself. 
I paid for the title search myself and I would like a copy of as well. 
Also, because I was on XXXX, I was exempt, as in previous years, however that arrangement was cancelled by Countrywide Bank or Countrywide Mortgage or Bank of America or XXXX XXXX. My property was sold amoung 3 financial institutions in one single day XX/XX/2008 and Bank America becomes the servicer. 
I deserve access to files that were never presented to me as proof of transfer, by way of Promossory Note, which was never filed with any legal authority. 
If you would clear up my concerns, perhaps we could reach a mutual agreement to avoid me facing a foreclosure like so many thousands before 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 non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filled out a dispute with TransUnion, XXXX and XXXX. Transunion did not remove the inquiries and I provided my report for stolen identity/fraud and two bankruptcies that are listed that are a mistaken identity. XXXX and XXXX removed the bankruptcies and inquiries and TransUnion has refused to for the past 3 months. I called after they would not remove the items to ask why and to ask for them to send me the name of the person they verified the information with and I was told I could not receive the information. I am a victim of ID theft and provided the proper information and I am filing a complaint due to the credit bureau not acting according to the Fair Credit Reporting Act. I request that the following inquires and bankruptcies be removed from my account immediately or the bureau provide me with a copy of the credit application, showing my signature authorizing the creditor to access my credit. 
Inquiries : 1. XXXX inquiry XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX   XXXX XX/XX/XXXX 5. XXXX-XX/XX/XXXX 6. XXXX-XX/XX/XXXX 7. XXXX XXXX-XX/XX/XXXX 8.  XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11.  XXXX-XX/XX/XXXX 12. XXXX ToXXXX XXXX-XX/XX/XXXX 13. XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX-XX/XX/XXXX 15. XXXX-XX/XX/XXXX 16. XXXX XXXX-XX/XX/XXXX17. XXXX XXXX-XX/XX/XXXX 18.  XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX-1XX/XX/XXXX 20. XXXX XXXX-XX/XX/XXXX 21. XXXX XXXX    XXXX-XX/XX/XXXX 22.XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 23. XXXX-10XX/XX/XXXX 24. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 25. XXXX- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Accounts : 1. Bankruptcy-ref XXXX-XX/XX/XXXX 2. Bankruptcy-ref 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 explanation
Consumer complaint received 2019-02-18 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: Russell Collection Agency, Inc
State: MI

Complaint narrative:
XXXX  is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 8 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filled out multiple requests for Experian to remove incorrect data from XXXX. XXXX  and XXXX removed the information. I have requested 3 times to have the information removed or be provided with the name and phone number of the person verifying the accuracy of this information as I am a victim of identity theft. I provided my identity theft report to the agency. I request the account be removed from my credit report immediately. XXXX  and XXXX  investigated the accounts and found them erroneous and removed them from my account. Experian has not provided me a copy of the signed contract showing I opened the accounts, the name and phone number of the person verifying the account as accurate and has violated my rights under the Fair Credit Reporting Act. 
1. XXXX-20 accounts

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 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax on 3 occasions in reference to inquiries I did not authorize. I have also requested a copy of the application, showing my signature and authorization for my credit profile to be issued. I have not received any information as requested and the credit bureau has refused to remove the inquiries from my report. I have provided the bureau with a copy of my identity theft report. XXXX  has investigated the information as requested and removed the unauthorized inquires. I request the following be removed immediately. They have violated my rights under the Fair Credit Reporting Act. 
1. XXXX XXXX-XX/XX/XXXX 2. XXXX/XXXX-XX/XX/XXXX 3. XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX XXXX-XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX XXXX-XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11. XXXX XXXX XXXX-XX/XX/XXXX 12. XXXX XXXX XXXX-XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX XXXX/XXXX XXXX -XX/XX/XXXX 15.XXXX-XX/XX/XXXX 16.XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX-XX/XX/XXXX-listed twice 18. XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX XXXX XXXX-XX/XX/XXXX 20. XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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:
After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from XXXX XXXX XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed 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 2019-02-18 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from Rash Curtis & Associates, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX  is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score,  as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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:
After sending certified, return receipt letters to TransUnion on XX/XX//18, which they received on XXXX/XXXX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX//18, which was received on XX/XX//18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed 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 2019-02-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After sending certified, return receipt letters to XXXX  on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from CHASE, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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 account and credit inquiries listed on my Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( 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
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a promotional balance on my Chase credit card account with 0 % interest for a promotional period. that period is about to expire. I asked how to pay the remaining promotional balance before the period expires to avoid the interest for the entire period being added onto my balance in a lump sum. I was told that because they apply all payments above the monthly minimum to the amount with the greatest APR that my promo balance can not be paid off by request and additional payment and that the only way to avoid the additional interest was to pay the total account balance. This is NOT how any of my other accounts work nor was this included in the promotional information. If I send a payment and ask to have it applied to a promotional balance, it is. That is how you are able to avoid interest for some of the balance. It is completely unfair for Chase to require the total balance to be paid to avoid interest on a promotional balance. They should allow the promotional balance to be paid when ever the customer wants to send a payment in addition to the monthly minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca, XXXX Account # XXXX XXXX * XXXX XXXX pm *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: MO

Complaint narrative:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

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 2019-02-18 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: MO

Complaint narrative:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX XXXX  {$0.00}, ( 2 ) XXXX XXXX XXXX  {$3600.00} ( 3 ) XXXX XXXX  {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX  {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: MO

Complaint narrative:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX  {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

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 2019-02-18 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX  which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation