vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CORELOGIC INC
State: WA

Complaint narrative:
Recently sent a fax to freeze report, used their form and faxed it over today XX/XX/ " Corelogic/Credco '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me.Please send me a full consumer report and freeze my report. All I want is to have my report sent to me with pin for freeze as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Account & Computer Service, Inc.
State: IN

Complaint narrative:
the company is charging me {$97.00} in collection fee plus my original fee from the hospital. I received a call from the collections company on XX/XX/2019. I asked about the XXXX fee and told them it was XXXX. He said it was part of their fees and didn't like my language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/19 I went XXXX XXXX in XXXX, Colorado to inquire about a car and after Ive come to the realization that they were continually doing credit checks with copious different banks and them not having a lot of cars that Im interested in, I decided to leave. The very next day, the salesman I was working with started texting and asking me why I left, I told him because I had nothing to offer and kept making my credit look bad. Then he began antagonizing me. Not long after I ended the conversation, there were several more credit inquiries reported under that dealerships name with my knowledge and permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ordered Free Credit Report ( been doing this since XX/XX/XXXX ) I get Free Report from different Credit Reporting every 4 months. Total 1X per year from each agency. 
On XX/XX/XXXX I contacted automated line as usual XXXX and gave my choice as EQUIFAX. On XX/XX/XXXX I still had NOT received Report. I contacted Equifax and after lengthy questions ( 27 MINUTES ), I was informed " Verified '' and that Equifax had NOT received Request. ( NOT TRUE ). 
I became concerned about what happened and who had my Credit Report after waiting for almost a month, thus I made this inquiry to Equifax. It seemed like I was talking to someone in a Foreign Country as we had problem ( s ) understanding each other. 
I asked for explanation of why I did not receive and was told other customers are experiencing same issue. 
YOUR SYSTEM DOES NOT WORK, at least with EQUIFAX. 
This entire issue has been a nightmare and time consuming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LCS FINANCIAL SERVICES CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. InXX/XX/2007 I became late on a second mortgage that was through XXXX XXXX XXXX. The debt was subsequently sold a number of times including to XXXX and now LCS.  The debt was satisfied as part of a Home Affordable Refinance by the government prior to ever hearing of LCS and the debt is no longer owed and should never have been sold.

LCS continues to call me although I have requested that they stop. They continue to ask me to call XXXX or XXXX. I have called and requested that they stop contacting me about this debt, which is no longer valid. I called today and the person on the phone hung up the phone on me. 

To top this off this company has TWICE pulled my credit report with a hard inquiry when they have not been given permission to do such. They pulled my report in XXXX and again today on XX/XX/XXXX. At no time have I given permission to do this, and I DO NOT have a business relationship with this company. 

Perhaps there is confusion bc my mortgage was with XXXX, who is out of business. XXXX XXXX XXXX  is also out of business. 

I have no legal relationship with this company, do not owe the debt in question, and want them to cease contact of me in any way, as well as to immediately stop unauthorized pulls of my credit report. 

I do not have an account number for them but my social is XXXX. 

LCS ' address is listed as : XXXX XXXX XXXX # XXXX XXXX CO XXXX It has been a decade since this account became late and it is not even lawful to have them continuing to harass me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX by XXXX '' from XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello, I recieved a prepaid visa card in the amount of {$50.00} in late 2016. I tried to use it today only to find out that the company has been charging an " inactivity fee '' of {$2.00} per month. 

The balance on this {$50.00} gift card is now {$18.00} simply because I haven't used it. 

I looked into state law where I reside, Colorado, and found that such fees are unlawful. 

See : XXXX XXXX XXXX I called the company, XXXX ( a subsidiary of US Bank ) , and they informed me that their computers show that gift card balances in Colorado are able to be charged fees. 

The employee I spoke to who said this is : XXXX, ID # XXXX XXXX XXXX This is a clear violation of not only the law, but morality. The money is trivial, but the principle upon which they're pilfering from innocent people is sickening ... 

There was no apology, only circular logic read from a script as to why the fees where charged.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I have sent several letters and debt validation request to the creditor for over two years since 2016 and i have not received information proven that this debt was rendered towards both insurances XXXX and my private insurance provided thru my employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User with XXXX Cards. I have already called XXXX to tell them I never gave permission to be on this card and this tradeline was removed from XXXX and XXXX but Equifax has never corrected this reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX  is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
On XX/XX/XXXX we originated our mortgage with XXXX XXXX   XXXX  and used their finance company and insurance provider. Shortly after closing we switched from their insurance company to our own, XXXX and noted the loss payee as we signed at closing. 

The loan was transferred to RPM servicing sometime in XX/XX/XXXX. Although we have submitted our insurance 3 times now ( twice through their insurance site XXXX ) and once direct from our agent, they still had the nerve to charge us {$2900.00} for forced place insurance on XX/XX/XXXX. This is no accident. These people are incompetent and I will not stand for their forced place insurance when we have valid insurance from XXXX on our own. 


Attempts to reach by phone are pointless as you go through a phone tree and never get to speak to a person. 

Page 5 of the attached policy will show the policy is legitimate and valid and properly assigned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to XXXX and XXXX  And XXXX XXXX XXXX with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  is incorrectly reporting a charged off account where I am shown as an Authorized User with Chase Cards. I have already called Chase to tell them I never gave permission to be on this card and this tradeline was removed from XXXX  and XXXX  but XXXX  has never corrected this reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CLX Systems/ Westwood Management
State: CA

Complaint narrative:
I obtained a loan from XXXX in the amount of {$600.00}. I was making payments to them and unfortunately I had to close my bank account. XXXX sent my file over to a collection agency that is called Westwood. They threatened to take me to Jail, to sue me and to file legal action against me. When i asked the representative at XXXX to email me my file so I can review it he told me to shut my mouth. XXXX also contacted a family member of mine and left a voicemail disclosing personal information regarding my debt. When I told the representative they are not allowed to do that he told me they are going to take me to court and im going to lose and he is going to take the money from me. He refused to give me the companies business license and refused to provide me an address for their business. I dont have an issue paying my debt off, but I will not be threatened and harassed.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-19 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: NC

Complaint narrative:
I sent a credit report dispute to Equifax on or around XX/XX/2019 requesting them to delete an account that is listed as a collections account because the debt collection agency is not licensed to collect debt in the State of North Carolina, the state in which I am a resident. Equifax completed its investigation and did not delete the account, but instead updated the entry and updated my address. Information on this dispute is as follows : Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Amount Owed Being Reported : {$340.00} I am attaching a copy of my NC driver 's license as proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXXXXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to Equifax and XXXX And XXXX XXXX XXXX  with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates, LLC is reluctant in providing me the following information as requested under the FCRA and FDCPA.

I request under the FCRA & FDCPA ( thru this CFPB Portal ONLY ) that this company and affiliates furnish me the following : 1. Proof that they own the debt and verification that I owe the debt.

2. Proof and details outlining the North Carolina Statue of Limitations on expired debt.

3. Documentation of the agreement between the original creditor and current owner authorizing for such a collection on the assumed debt, including documentation of the fees and cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX  XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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