vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX i received a notification from Experian notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from XXXX, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
For the last three months, our mortgage lender is applying our monthly payments to escrow in error. This is 100 % their error. Each month we call and speak with them. After a few weeks it is resolved. However it did hit our credit because it was showing as being delinquent on our payments for 3 months. Ditech has been completely inept in handling this situation and it continues every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union is falsely and illegally extorting Americans into paying for their services. I have always had credit in the 700 's and now per trans union and XXXX XXXX, they have dropped it to the 500 's and i'm trying to purchase a house. Trans Union will need to be liable for my higher interest rate on a home purchase or if they interfere due to false credit scoring documentations. Trans Union is interfering with me obtaining a home. and This is extremely incorrect due to NEVER being late on not ONE payment in ten years. I'm going to document everything regarding my true length of my credit history and NEVER being late on any payments and never filing bankruptcy. Trans union needs to be exposed as they are illegally monopolizing the national credit bureau. This is illegal and harming my livelihood. I make over {$100000.00} a year and have OUTSTANDING credit history to prove yet they are reporting me in the 500 '' s?? This is Fraud from the credit bureau.

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 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account is supposed to be removed but still on my 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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
At XXXX XXXX XX/XX/XXXX a company who the caller ID says is Convergent called for my brother. I am his guardian. He is a XXXX XXXX handicapped man who lives in a group home. I explained this along with the concept if someone was XXXX enough to loan him money they deserved to lose it but any money he owed would be over 8 years old and to not call again as he was not ever going to be here. At XXXX they called again and it was the same agent I had just spoken to. Not going to put up with this.

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 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2019 I went to a XXXX XXXX ATM to withdraws {$20.00}, and was charged {$3.00}, these ATMs are free and do not charge {$3.00} fees to split with banks or credit union users, this made my account less than {$3.00} in the negative. PNC has charged overdraft fees of {$72.00} Do fat. Please fix this, add me in any lawsuits formal or informal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
Two years ago I was making payments to XXXX XXXX XXXX. I made four payments of {$XXXX} each. Shortly after the fourth payment, I was informed that my account was sent to collections regardless of my good standings Medicredit called and was attempting to collect the debt and I attempted to dispute it. I contact a lawyer with XXXX XXXX XXXX and they sent a letter on my behalf XX/XX/XXXX. I did not hear anything from Medicredit for two years. 

Last month, XX/XX/XXXX, they tried to call and said they were going to take legal actions if I didnt pay. But, they wouldnt tell me how much the debt was, where it came from and they refused to send me a written notice of the debt. I have a phone call recording that shows me asking for the written collection notice and it has been 5 weeks with no response. 

I have tried to figure out this debt collection with no answer or help from Medicredit nor has my lawyers office heard anything.

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 2019-06-19 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:
Disputed various peices of information on credit report. All information has been removed for other credit agencies except this one. I even sent in Police report documents to state that items needed to be removed due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
on XX/XX/XXXX i received a notification from XXXX notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from Acima, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
I received notification from transunion that a hard inquiry on my credit report from XXXX XXXX on XX/XX/2019. I have not had any dealings with this company now or in the past. I have called XXXX and they refuse to deal with this situation. I person gave me a case number ( XXXX XXXX XXXX ) but this seems to mean nothing to them when I inquire further into this matter.

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 2019-06-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account is supposed to be removed but still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is supposed to be removed but still on my 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 non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank : I have gone in XXXX branch 10 times for this. Yesterday XX/XX/19 XXXX told me to come in today XX/XX/19 to see Branch mgr. Today XX/XX/19 I came in and branch mgr was Not in and XXXX told me that I needed an appointment. They refuse to address or correct Fraud on my account after 15 attempts. I submitted advertised charge and Duplicate Charge of {$80.00} posted 1 week later. Also My account would have been overdrawn and charge would not gone through if full amount of {$160.00} because I do not have overdraft protection so all these mistakes are bank errors.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Date : XX/XX/19 ( First contacted them ) Company : XXXX Phone # XXXX Amount : {$500.00} x 2= {$1000.00} I was given 4 gift card, {$500.00} each as my birthday gift XX/XX/19. I found out two out of 4 were registered and used in NV before I open the wrapper.The gift cards were purchased from XXXX XXXX XXXX, CA. I couldn't get the receipt and I was able to get the credit card statement to prove the purchase. I faxed over the two gift card copy, both front and back, a long with my Drivers license and the credit card statement to prove the ownership XX/XX/XXXX, I have been calling the customer service for a week, nobody could help 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
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG credit has refused to remove a derogatory statement on my credit after several phone call to Ms. XXXX. Initially I was sent a bill for {$740.00} then {$530.00} in XX/XX/XXXX. In XX/XX/XXXX a XXXX collection was placed on my credit report. On XX/XX/XXXX I paid the bill and requested my credit report be updated. ATG credit will not accept or return my calls and continues to report a collection on my XXXX and XXXX  credit report. I have a receipt for the paid in full debt. Phone number for ATG XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Contacted Equifax, XXXX, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL, INC.
State: IL

Complaint narrative:
My paycheck from XX/XX/XXXX had a garnishment of {$82.00} from a collection agency. The name of the collection agency is : Coast Professionals Inc. I was never informed in writing that my wages were going to be garnished. I was never informed that I could dispute the claim. This was a student loan for a online program that I signed up for in XXXX of XXXX. I never finished the class. It was a XXXX XXXX loan but was transferred to Coast Professionals.

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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
This number repeatedly calls - if I miss a call, they hang up and immediately call back. For example, today at XXXX - XXXX I received 4 consecutive calls, the last one leaving a voicemail.

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 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank of America for 30 years plus. I deposited my paycheck on Monday, XX/XX/2019 as I have done every other week for the last 20 years at about the same amount of {$840.00}. They have put a partial hold overnight before which I can understand. My account was low but not overdrawn. They put a " 7 day hold '' on it which means a nine day hold as there will always be a weekend in a 7 day hold. I am living paycheck to paycheck. I'm XXXX and don't have any other options. My account gets low but I thought that was the reason you deposited a check. I'm desperate with no money and many bills to pay. I checked with the issuing bank to try and stop the payment but the check already cleared. I have a copy of that from XXXX XXXX which I don't think is an exotic bank. They have my money and I can't do a thing about it. After contacting their customer service department which was a joke because there was no service at all, I was told that they would not let me talk to anyone else. I went to the branch, no service at all. I contacted another B of A bank manager and they said their hands are tied. So I called my congressman and they said it's legal. After 30+ years they can change their policy and hold on to my money? Is this something I will have to worry about with every deposit? We are getting 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 2019-06-19 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: TX

Complaint narrative:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX XXXX  XXXX Unauthorized charges successful icon XXXX sent ftc violation

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 2019-06-19 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:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon XXXX sent ftc violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Contacted XXXX, XXXX, and transunion to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Contacted XXXX, Experian, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We took out a US Bank mortgage loan approximately 15 years ago. The terms of the loan were monthly principal and interest payments of {$320.00} per month. The loan had a provision that there would be a balloon payment for the balance at the maturity date of XX/XX/XXXX. At that point, we attempted to make payments, but eventually they were not accepted. 

We completed a loss mitigation package in hopes of getting the mortgage modified. US Bank responded with the following approved option : 40 payments of {$1100.00}, interest rate of 5.5 %. Payments were to begin on XX/XX/XXXX with a loan end date of XX/XX/XXXX. Based on our income and current monthly expenses, we will not be able to make this payment. We have appealed the decision and are awaiting a formal response from US Bank. 

We want to keep our home and not lose the home to foreclosure or some other liquidation options. We are hopeful that US Bank will look at other options that will work for us.

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