vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX ; Experian and XXXX a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, we started process with pre-approval with company A 's loan agent. The whole exchange went smoothly with exchanges of information. I was verbally given a pre-approval was ready to go only to find out a month later in XX/XX/XXXX, The loan agent gave my finance information to a mortgage to a broken without my consent, and undesirable terms.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
We received a letter dated XX/XX/2019 on XX/XX/2019. The letter indicated we have been approved for a trial modification and the first payment is due XX/XX/2019. This trial modification was done unexpectedly because we had not made any request since XX/XX/XXXX. The response we received in XX/XX/XXXX from SPS stated there were no options or programs that could assist our financial situation. The lates modification did not provide us a 30 day time period for trying to make a payment. We contacted our relationship manager numerous times ; however, we never had the opportunity to speak with her/him. We always get a representative who states they have to send our request to the relationship manager. The letter we received clearly stated contact your relationship manager. On this past Monday, we spoke with a representative again requesting the trial modification be amended and allow us to start XX/XX/2019. The response again from the representative, I am not able to approve your request, but I will notate your account and send your request to the relationship manager. We received several calls from someone who we can not understand and the message left is vague. Who ever is calling is not the relationship manager. The name we were provided with on Monday, XX/XX/2019 was XXXX is our relationship manager, whom we yet to hear from. We have been seeking assistance from SPS almost 2 1/2 years, and the response is always there are no options or programs to meet your hardship request. We do not want to loose our home and we have continued to acquire assistance from SPS. We sent a letter to the owner of the property requesting them to donate the property to our XXXX nonprofit organization since this is our residence and ministry. However, no response received. Please provide us with assistance and help us to prevent foreclosure actions. 

Sincerely, XXXX XXXX and XXXX 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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
We have both an original & second mortgage with XXXX XXXX. Originally started XX/XX/XXXX for $ XXXX. The 2nd mortgage was placed XX/XX/XXXX bringing total to $ XXXX. It appears that the 2nd was sold several times by XXXX although we see no documents supporting this, and they may indeed still own the mortgage. We see up to 4 different collecting agencies throughout, the most recent of which appears to be BSI Financial Services. We were on a payment plan with principal only starting about XX/XX/XXXX ; the 2nd mortgage balance was {$42000.00}. The payments made has reduced the principal to {$41000.00}. On or about 8-10 months ago they demanded payment in full, which I told them I couldn't pay. They then added unknown charges, some of which we think is unpaid interest, My current balance is {$41000.00} for the principal, plus interest and " Total Fees and Other Charges '' of {$32000.00} but they are saying I owe a total of {$73000.00}. We have asked for disclosure of these {$32000.00} charges but have not received any information. Additionally, we think the 2nd mortgage may have been included in a payoff under the bank bailout programs XX/XX/XXXX-XX/XX/XXXX. We believe these new collecting agencies are double dipping on the 2nd mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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:
Discover Bank closed my account when I called them to inquire why my credit limit had been lowered! They admitted their error, but refused to reopen my credit card account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto Finance # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: NJ

Complaint narrative:
Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.

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 2019-08-01 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: NJ

Complaint narrative:
Didn't recieve enough information to verify debt : In XXXX, XXXX, XXXX and XXXX of 2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NJ

Complaint narrative:
Didn't recieve enough information to verify debt : In XXXX, XXXX, XXXX and XXXX of 2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.

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 2019-08-01 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/XXXX Merchant charged my card {$58.00} XX/XX/XXXX Merchant canceled contract XX/XX/XXXX & XX/XX/XXXX I contacted merchant asking for refund. No reply to either. 
I contacted Venmo/PayPal to dispute charge. They asked for the same information daily for a week. 
XXXX Declined the dispute claiming I need the merchant to AGREE with my dispute in writing! Isnt that what a dispute is for?!?! 
I supplied the email from the merchant notifying of contract cancelation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was contacted by XXXX XXXX a lawyer representing XXXX XXXX and when I requested debt validation after her first contact I was sent a letter attempting to negotiate a settlement but no debt validation and a vast majority of the content of the letter is false statements. I responded that this was in violation of the FDCPA and after receiving my letter Ms. XXXX filed a lawsuit against me and then sent the notice of debt verification a full 3 months after initial contact.

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history

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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX  and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: IN

Complaint narrative:
I started this loan on XX/XX/2019. I financed XXXX I have made 15 payments of XXXX totaling XXXX and my loan balance is XXXX, equaling XXXX of my principle paid. My interest rate is 98.98 % I will never pay off my balance at this rate, we are talking about 65 payments of XXXX totaling XXXX. For the consumer looking for a small personal loan, this is outstanding and incredibly insane. How can this be legal? This is getting people in trouble financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX Resurgent Capital Services XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe .What was provided was not any validation that this debt is mine. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX   or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates from XX/XX/XXXX through to XX/XX/XXXX that are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates from XX/XX/XXXX through to XX/XX/XXXX that are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of 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 2019-08-01 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates from XX/XX/XXXX through toXX/XX/XXXXthat are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of 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 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
HIPAA Violation : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify this debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract to which they have repeatedly violated and continue to do so. I also recently requested they provide proof under the FAIR DEBT COLLECTION PRACTICES ACT proof of HIPAA Authorization.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IA

Complaint narrative:
Elan Financial Services sent XXXX PLATINUM CARD AGREEMENT with no identifying information as to which company they are performing credit servicing for. I contacted customer service at XXXX XXXX on XXXX XXXX and spoke to XXXX ( they record conversations, per XXXX ). She requested my SSN and I declined as uncertain whether this was a scam. 
She was unable to locate an account for me using my complete name and mailing address. She stated " this is probably a scam letter ''. I commented " are you a scam as all phone numbers point to you ''? She said " no, as i didn't give her my SSN ''. I advised her at that moment I would be reporting them to the XXXX, Fair Trade Commission and Office of the Attorney General. 
Thank you, 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 2019-08-01 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: CORELOGIC INC
State: NE

Complaint narrative:
XXXX XXXX of XXXX XXXX contacted me about a Mortgage product, had a short discussion with me, and proceeded to do a Credit Inquiry on XX/XX/XXXX without my knowledge.

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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: MD

Complaint narrative:
The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.

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