vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$0.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount - Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status This account was disputed for over 5 months and they are still refusing nto close the account. Plus its reporting a total of three times with the same information. They are destroying me even after it was paid off. 

they have ignored my dispute for 5 months, they had 30 days and still have not resolved this in 5 months

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
First, this is the third company to hold my mortgage in less than 6 months. There should be a limit to how many times your mortgage can be sold in a set period of time. Consumers should not have to worry about this issue every 2 months. 

Regarding the current company and complaint, the escrow information must have transferred incorrectly because I received an email from my insurance broker stating that my homeowners insurance was about to be cancelled because the mortgage company had not paid the premium. I called Mr. Cooper ( the new mortgage company ) on XX/XX/20, just minutes after receiving the email from XXXX XXXX and let them know that the information they have in their app about the premium and the due date were incorrect. I had to speak to three people, but they finally got them to express pay the homeowners insurance premium which would post XX/XX/20 ( this was the due date, if I didn't pay by this time a late fee would be applied and my homeowners insurance would be canceled on XX/XX/20 ). I was told that the late fee would be my responsibility, which is just outrageous. As of today XX/XX/20, XXXX XXXX XXXX  has still not received their payment and I am still currently in jeopardy of losing my homeowners insurance. Please note that I have paid all of my mortgage payments on time and have even paid additional money to reduce the principal balance on my account. 

To add insult to injury, I received my tax bill a few days later which is also to be paid by escrow. The Mr. Cooper app has my tax info as being due XX/XX/20, when in actuality the payment is due XX/XX/20. I called them again on XX/XX/20 and spoke to two people who assured me they would work with the XXXX XXXX County Property Tax department to get this sorted out and paid on time. It's been over a week now and nothing has changed on my account. I have sent another email and will continue to hound them until the situation is resolved, but why is this my responsibility? Are mortgage companies not required to pay your escrow disbursements on time and correctly when they buy your loan? Why should the consumer have to be on top of them every time? This is especially frustrating when your loan gets sold every 2 months. 

I could lose my house if I don't pay my mortgage on time, but it appears there is no recourse if they don't pay my insurance and taxes on time ... at least not for them. For me, my credit and reputation takes a hit, but nothing happens to the mortgage company? This just doesn't seem right, which is why I'm asking you for help and filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: GA

Complaint narrative:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX  XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX are violating the law.

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 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
My husband, XXXX XXXX, has an account with XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. He had discontinued wifi service with them on XXXX. They've continued harrassing him with bills for continued wifi service which he did not have and for equipment ( router ) they wanted returned to them that he purchased from XXXX XXXX XXXX about 2 years ago ( they were claiming the router was leased which it was not, my husband purchased it ). He filed a complaint on XXXX with the XXXX  XXXX  XXXX of XXXX XXXX, GA against XXXX XXXX XXXX. The XXXX  contacted XXXX  on XXXX with his complaint. XXXX XXXX XXXX sent to my cell phone ( XXXX XXXX - XXXX ) a collection text message with the following message " please contact MRS Associates regarding an XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The text message was sent from a number as follows : ( XXXX ) XXXX. I do not have an account with XXXX, so this collection text message sent to my cell phone was very possibly for an account belonging to my husband, XXXX XXXX, and not me. I am nowhere listed on his account with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Consistently called my fiance and I at the same time, hung up when answered, had bill collectors or customer.service reps or whatever they are be extremely rude, asserting themselves into my life by asking me about money I might be getting and what I might be spending it on. Whether I owe them money or not, it is none of their business about my financial situation other than my job, my housing, my monthly bill expenses, and my phone number. I was even told I can ask them to stop calling but if a program comes up that might help me I will be ineligible for it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: GA

Complaint narrative:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.

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 2020-02-07 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: GA

Complaint narrative:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
To say the very least Ladies & Gentlemen, I am completely disgusted with the response and follow up from Discover. I can not believe that the financial entity that calls itself the warm & fuzzy financial institution, did not respect my, more than decent response to them arbitrarily closing my account. That was, by the way in perfect standing, never a late payment, and a XXXX   balance. After even explaining that my parents both died within a close time frame, they still choose to not be decent with me, by any stretch of the imaginable common sense. I am therefore, again asking for your help in following up on this issue. The only reason that they gave me was that because I had not used it, there was a risk of it being lost or falling into the wrong hands. To say that is the most RiDICULOUS reasoning I have ever heard is an understatement. Nothing of the sort ever happens or was ever going to happen. I keep all the cards that I dont use regularly in a safe. I would ask that you please help me restore and resolve this issue in a timely manner. I great appreciate your services and what you do for the US citizen. BTW, my dad that died, was a meme we of our nations greatest generation. He was a XXXX XXXX XXXX veteran ( XXXX XXXX ). Seriously, please help me fix this ridiculous issue. It is disgusting and disrespectful to say the least. Lastly, I thank you in advance for your follow up and attention to this matter. 

With Respect & Kind Regards, Sincerely Yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
In early 2019 I borrowed {$250.00} with {$50.00} interest. for 30 days. I finally repaid it in XXXX the whole {$300.00}. The company attempting to collect is XXXX XXXX XXXX They have made many threats to collect even though I have informed them that the debt has been paid. They are now saying I could owe as much as {$6300.00}. It appears that they are active trying to do the same thing against others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have paid down considerably on this account from XXXX XXXX  XXXX, XXXX, XXXX, and Experian are reporting incorrect information. The balance is now XXXX and it should reflect that.

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 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I spoke with a representative from Midland credit and I wanted to validate the debt because 1. I don't recognize the debt and 2. they are calling from XXXX , it took me over 20 minutes to get the mailing address. The collector kept badgering me and making me feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
Debt reported to both XXXX  amd XXXX  credit bureaus on XX/XX/2020. I have never had any payday loans because I have good credit. I also do not use checks and havnt used them in years. Also. NEVER heard of these places or recieved ANY correspondence of any such debt. NEVER got ANY notification of any such debt. It is NOT mine. I only have a valid XXXX  drivers license for identification and have only been licensed in the State of XXXX so no other identifi cations from any other states. This is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have paid down considerably on this account from XXXX XXXX XXXX, XXXX, Transunion, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.

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 2020-02-07 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: CT

Complaint narrative:
I have paid down considerably on this account from XXXX XXXX  XXXX, Equifax, XXXX, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I deposited a {$2500.00} check using Bank of America 's mobile App on XX/XX/2020 and was made to understand that the funds will be available for items posting on my account on the next business day, XX/XX/2020. However, the funds were never made available and this caused an overdraft transfer of {$2500.00} from my Bank of America credit card to cover an outstanding balance .I incurred a {$12.00} fee as a result of this. However, when I called and requested a refund of the {$12.00} overdraft fee on the credit card, they obliged. 
In the meantime, I was told the funds for the check has been delayed and wouldn't be release until XX/XX/2020 at XXXX ET. However, the checked cleared my other bank on XX/XX/2020. I called Bank of America 's customer service on two occasions to get the funds release, but was unsuccessful. Is unfair for them to keep my money for that amount of time and not pay interest on it. Furthermore holding the funds for 9 calendars has caused me severe financial harm and I want them to  compensate me and release my funds immediately. I even suggested that we call my other bank to confirm that the check has cleared but got turned down.

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up/new complaint against the CRA, Equifax. 

Over the past few months, possibly years, I have attempted to access my Equifax Consumer Report by using their website, " myequifax.com '' and third party sources ( e.g., XXXX XXXX ). I have made several calls to Equifax customer service regarding this matter, with no resolution. I have also petitioned this government agency, CFPB to investigate in order to help determine why my report is inaccessible to me on an ongoing basis. 

My attempts today, XX/XX/2020 by using Equifax 's " myequifax '' website and contacting their service yielded no results that would allow me to view my credit report online. My online Equifax report complete omits any information tied to my history of being in the credit bureau 's file. In most cases, there are all zeroes ( see attached ). 

The Fair Credit Reporting Act states that credit bureaus must provide accurate information. I also have a right to view my file like other consumers whether online or paper. By refusing me this right, as outlined in the FCRA, Equifax has placed me at a great disadvantage ; I am unable to determine if the information that is being reported is accurate. Therefore, the ability to file a dispute as outlined in the Act [ 15 U.S.C. 1681i ]  is removed from me and I can not launch legitimate disputes because I can not see my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: BB&T CORPORATION
State: WV

Complaint narrative:
On XX/XX/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.

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 2020-02-07 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: FL

Complaint narrative:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX  XXXX XXXX, to share my information with the Amerifinancial Solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: TN

Complaint narrative:
A collections report was added to both XXXX  and XXXX credit reporting agencies on XX/XX/2020. This report does NOT belong to me. It is from cLark County Collection Services for XXXX XXXX. I have never lived in or resided in Nevada nor have I ever had an Nevada identification to open up any accounts out there. I have been a resident of Tennessee for the last 9 years in which this debt has taken place. This isnt my account. I have no state of Nevada identification to open such an account. Credit reports and background checks do not show any residence or identification in the state of Nevada. This is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi I called in and I requested a credit line increase on my citi Best Buy credit card and i ask the agent to pull my credit report today on XX/XX/2020 and they said they did but I didnt receive any messages from XXXX  that hard inquiry was in place and citi Best Buy didnt pull my credit today and went by a old credit report with a soft inquiry back in XX/XX/2020 and I had a bunch of fraudulent items on that report and it was removed from my credit file with XXXX  the beginning of XXXX this year and citi discriminated me based on my race and sex and it was denied and I have good credit and no late payments at all and I dont know how long I need to wait ... I would like to closed this account if citi cant pull a hard inquiry on my credit report if that want play games and want go by a older credit report and denied me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation