vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 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: ERC
State: CA

Complaint narrative:
I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: CA

Complaint narrative:
I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

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 2019-01-07 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: MD

Complaint narrative:
A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX  account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my Equifax credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/1970

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I do not know why am I getting charge for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
3 months ago, I filed a fraud at Bank of America, they gave me a temporary credit l, then after few months they reverse the temporary credit without notifying me. Thats make my checking account overdrawn, and wasnt able to pay my bills

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 2019-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX. ) citingXXXX v. XXXX XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. 
I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I bought a return plane ticket through amextravel with points. Separately charged by the airline. When I called amex to ask why this charge was on my statement, they didn't know and said to dispute it. I did which resulted in amex cancelling my ticket. I was stuck in XXXX with no way home, ended up spending XXXX to get home and amex 's dispute resolution team determined it was not their fault the ticket was cancelled but rather XXXX. I have not received a resolution from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2018 @ XXXX, Coast Professional called my place of work to get in contact with me. Per the Fair Debt Collections Practices Act, I had previously sent them a cease and desist letter by certified mail on XX/XX/2018 that stipulated that all further contact had to be made by mail and that they could not call me. They have violated this cease and desist. I have let them know that they have violated the cease and desist letter and to not harass me at work.

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 2019-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We fell behind due to Hurricane Irma and received a " Special Forbearance '' and have submitted packages 5 times to resolve this issue each time we are told we have to submit another package which we do. We were told in XX/XX/XXXX all we had to submit was a pay stub from XX/XX/XXXX before Irma and a recent pay stub along with proof that the work on the work had been completed which we did. We had our authorized third party XXXX XXXX XXXX call in XX/XX/XXXX and no one there remembered what we had discussed. So they said it was " the holidays '' and to call back afterwards. We called on XX/XX/XXXX and we were told that they were still looking into the issue and to call back in a couple of days so they could log those pay stubs and info on the home repairs on the system. We called today XXXX and we were told we could fill out a new package if we wanted to avoid foreclosure. This has been going on for over a year now and we don't want to lose our home, but it is apparent this company does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TX

Complaint narrative:
To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, 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 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called XXXX XXXX to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place

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 2019-01-07 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report.

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA.

Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX ) citingXXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XX/XX/XXXX writ dism 'd w.o.j. ) I also believe that this business is not registered to operate in the state of OHIO.

I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2019-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
wrongfully charged, false advertising, misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
IN XX/XX/XXXX A COMMERICAL PROPERTIES WAS PURCHASED BY THE GUARANTORS XXXX XXXX AND XXXX XXXX, WE WERE THE OWNERS OF XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX HEALTH AGENCY OUTPATIENT ). XXXX XXXX LEFT IN XX/XX/XXXX. I PURCHASED THE BUSINESS FROM HIM. I WAS UNDER THE IMPRESSION WE PURCHASED XXXX XXXX AT XXXX XXXX XXXX   XXXX GEORGIA VIA SBA FUNDING. AFTER DETAILED RESEARCH IT WAS REVEALED 1. THE SBA APPEARED TO HAVE NOT PROVIDED FUNDING FOR THE PURCHASE OF THE BLDG REFERENCED, 2. OTHERS SUCH AS THE BROKER AND ASSOCIATION MEMBERS WERE INVOLVED IN POSSIBLE UNETHICAL WAYS TO OBTAIN MONEY WHILE UTILIZING ME CREDIT AND NAME DUE TO ME BEING A MINORITY, 3. THERE WAS AN ADDITIONAL LEVEL OF PROVIDE SBA FUNDING BY XXXX XXXX WHICH IS A PRIVATE BROKER WHICH BENEFITTED ALL MENTIONED, 5. THE OFFICE BLDG CONTAINED 5 DIFFERENT SUITES WITH 5 DIFFERENT ADDRESSES, EACH  SUITE WAS SOLD SEPARATELY.

EACH SUITE WAS BEING USED AS COLLATERALS FOR ADDITIONAL LOANS WHICH APPEARED TO HAVE BEEN DESIMINATED AMONGST A GROUP OF INDIVIDUALS RANGING FROM BROKERS TO POLITICAL HEADS. THE APPROXIMATE AMOUNT OF MONEY ILLEGALLY OBTAINED BY THESE INDIVIDUALS WAS CLOSE TO XXXX XXXX DOLLARS WAS PROVIDED TO OTHER PARTIES UTILIZING MY NAME CREDIT AND COPYING AND PASTING MY SIGNATURE THROUGHOUT VARIOUS PARTS OF THE LOANS PACKAGES, I CAN NEVER RECEIVE ACCURATE AND CORRECT INFORMATION FROM FUNDING SOURCES AND IN ADDITION, THE BUILDING IS FILED ON MY CHAPTER XXXX BANKRUPTCY. I CAN NOT IMAGINE THE REPRESENTING LEGAL COUNSEL NOT BEING AWARE OF THE UNETHICAL PRACTICES WITHIN THIS CONDO ASSOCIATION. THEY ARE THE GATEKEEPERS OF BOTH BYLAWS AND FUDICIARY DOCUMENTATION. 

AS A MATTER OF FACT, THERE HAS BEEN OVERPAYMENT OF CONDO DUES WHICH ARE APPROXIMATELY 1100.00. THE BOARD AND ATTORNIES, I AM SURE BOTH PARTIES WERE AWARE OF BOTH THE LAND AND SUITES BEING SOLD SEPARATELY. I DO BELIEVE THIS WAS A COMMON PRACTICE THROUGHOUT THE OFFICE PARK.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm talking to XXXX XXXX from Experian asking him to dispute a closed account from XXXX XXXX XXXX # XXXX and he is refusing.

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 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 2019-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: TX

Complaint narrative:
My compaint is about the unnecessary classes XXXX sold me on. I wanted to only take XXXX cources, but the person who told me about the classes told me to take XXXX classes also to make more money. Unfortunately I signed. Shortly before I finished the guy who sold me on the classes got fired. After graduation I could not afford XXXX for both XXXX work and XXXX  work so it was not possible to do both and they are both full time jobs so nobody would have time to do work in both fields. I want my XXXX  related expenses terminated. It was very deceptive to want me to do both programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX  has charged me over half of my {$300.00} credit limit in fees. These fees are late charges incurred after paying my bill but XXXX  XXXX  failing to constitute the payments as such and have marked the payments only as credits. After multiple diaputes XXXX  XXXX responded by adding an additional charge, bring the total amount of fees to {$170.00}. The rest of the {$130.00} credit limit is in interest only and from no charges of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I asked Tranunion to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.

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