vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
On XX/XX/2016 XXXX XXXX sold off my financial contract with them to a company called " The Bureaus ''. I am not contractually obligated to pay the bureaus, only XXXX XXXX. Due to them selling the debt to the bureaus I am no long attached to that debt. I have called the bureaus, they have flat out refused to remove the debt. I have filed multiple complaints through XXXX  and XXXX  to no avail. I am seemingly being held economic hostage, without any ability to use credit. Even unable to apply for a XXXX $ secure line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: PA

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EXPERIAN NOR XXXX, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-27 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: PA

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX  NOR TRANSUNION, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2019-12-27 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: FL

Complaint narrative:
I'm not responsible for this account. I have never sign any documents with this company. I believe, that somebody stole my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I accepted an offer for an Aspire Credit card in XX/XX/2019. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed.

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/19 XX/XX/19 ANNUAL FEE {$170.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account.

I communicated to the lender asking them to refund or close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Even though when I filed the application, I requested a monthly payment be taken from my account, they insisted on 2 bi-weekly payments of {$49.00} be deducted from my account. ( I had to submit copy of my Social Security Verification Letter ) to become eligible for benefits. I had requested that {$99.00} be subtracted from my account each month. They have been making me call every month to change the payment dates to the third of each month which towards the end of each month can truly be an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved out of these apartments with a XXXX balance and after turning in the keys doing my walk through it was determined I owe nothing my deposit would be kept because I moved in on a special and did not pay a full deposit just for normal cleaning fees. Now It saying I owe XXXX and I don't. I am not paying these people for a debt I do not owe and it is making it so me and my family can not move the debt is with National credit Systems inc. for the XXXX XXXX XXXX  XX/XX/2016 They account number is XXXX the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hayt And Hayt is attempting to collect on a debt for their client XXXX XXXX XXXX. This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I accepted an offer for an Aspire Credit card in XX/XX/XXXX. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. 

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX ANNUAL FEE {$120.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account. They have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Bought my home in XXXX. In XXXX I was foreclosed on by XXXX. Consequently a deed was recorded in XXXX name. A loan modification started prior to the foreclosure was granted. My mortgage was reinstated via a loan modification. However the bank failed to return legal ownership to me and never recorded a deed in my name. It has been 10 years and my mortgage is in good standing. The bank is aware of this issue but choose to do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
On XX/XX/2019 I was contact by National Credit Adjusters about a debt that was taking out with Rise which is a personal loan, this debt was Discharged thorough Bankruptcy in XX/XX/XXXX or XX/XX/2019 which is public record and also reported under the original trade-line. After informing the collection the rep still proceed the Mini Miranda /Monitor disclosure and proceeded to give me account information. Rep never asked for attorney information case number or even discharged information to ensure for me not to receive collections calls on a debt I no longer owe. After being informed of bankruptcy the rep should cease attempting to collect and retain all viable information to make sure to follow all State law and federal collection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt for their client Calvary Portfolio Services.  This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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:
I have been battling with both of these accounts. I have reached out to the companies but i cant get anywhere with them. The following two accounts are not mines, and to the best of my knowlege i am a victim of identity thief.

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 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Voice mail left for me today, XX/XX/XXXX @ XXXX XXXX  CST. Voice mail clearly threatens legal action via a civil claim for a debt. This company has called me multiple times and I explain each time : 1. Not my debt 2. If it were my debt, it is outside of judgement time period 3. It is illegal for them to continue to call me and threaten me. 

At XXXX XXXX  CST today, XX/XX/XXXX, I returned call and spoke with Ms. XXXX. She said debt was for a Citi card. I explained I did not have one. During call she said debt was from XX/XX/XXXX. She said she would refer it to their attorney and they would come after me and then hung up on me!

This is NOT my debt AND there is no signed contract by me for the debt.

Based on your own time tables, this debt is OUTSIDE of the statute of limitations for legal actions and judgement in the State of Iowa.

It is a violation of the FDCPA to threaten a consumer falsely.

Whatever contract this is is NOT valid, and it is NOT enforceable.

Try to take me to court ... I will counter and the only funds paid will be from you to me.

DO NOT CALL 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 2019-12-27 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: CITIBANK, N.A.
State: VI

Complaint narrative:
In 2010 I was divorced and per divorce docs accounts were closed and the cities card retained by xhusband removed me as authorized user. It was taken off my report but now he is diseased and they have put it on my credit. They have no record of me because I was only an authorized user but they have refused to let me speak to a supervisor. Customer service transferred me to applications so they didnt have to send me up the chain of command. I was removed as an authorized user in 2010 and now am back on since he is late on payments. The death certificate probably has already been provided by his brother so they must have thought this is a way to try to collect. They are rude and admitted they couldnt find me on an account but insisted I would have to go through the credit agencies. In the meantime they are trashing my credit with their illegal and underhanded action.

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 2019-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. It appears to be from an auto loan that I did not authorize nor give permission to anyone else. I have never financed a car through this particular lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
My mortgage is currently being serviced by SPS. SPS has hired XXXX XXXX XXXX to proceed with foreclosure action on my home. SPS has set a foreclosure sale date for XX/XX/XXXX. SPS has refused to offer any loan modification assistance, which is a violation of CFPB law. SPS has also refused to offer FHA face to face meeting to mediate, which violates Qui Tam and obstructs the Federal Government. SPS has refused to offer assistance to mediate per IN 32-30-10.5, which is a violation of IN state law. SPS also never served me with the foreclosure notice, thus violation IN civil lawsuit procedure. Overall, I feel like SPS is trying to steamroll me through the foreclosure process. I want to save my home and I am seeking your assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: NJ

Complaint narrative:
Ive been contacting Experian over the last several months regarding accounts on my credit report. They are still reporting 3 accounts due to fraud as well as an incorrect account from XXXX. Recently I sent them documents and told them to delete the accounts but theyve failed to comply. I have proof that XXXX  and XXXX  has already deleted the above accounts. Additionally, XXXX has found the XXXX  accounts to be incorrect and have updated them to never late. Furthermore, they have never sent me any proof that the accounts belong to me. As for the XXXX account, I sent them proof that all 3 credit bureaus have different information which is a violation of the law. The account is riddled with incorrect information such as lates and wrong balances.

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 2019-12-27 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: IL

Complaint narrative:
XXXX XXXX XXXX has requested deletion of an unconfirmed balance from the main credit bureaus as they stated they would on XX/XX/19. However, Transunion will not acknowledge receipt of the request and would like for me to file yet another dispute which was done originally on XX/XX/XXXX. The {$500.00} with XXXX for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) should be removed from my credit report.

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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. The debt originated from an apt that I have never lived in nor signed off on. This debt is completely inaccurate and appears to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
During the fall of 2016 I was going through my first home purchase. I was prequalified with a loan and what I could afford. I realized the house had to have flood insurance so I was checking out prices and my mortgage loan officer XXXX XXXX with XXXX XXXX XXXX XXXX XXXX said they did insurance there at the bank so I thought I would check with them. They give me the amount of around {$800.00} annually. So I decided to go with them and paid and received a certificate of coverage on XXXX. And I asked the Insurance guy XXXX XXXX with XXXX XXXX XXXX XXXX if everything was good and he said yes. I later found out I could have assumed the previous homeowners insurance for the same amount. So I proceeded and closed on the house XXXX. I get and email XXXX from XXXX XXXX and he said : 'I got this notice from the flood insurance that according to the comments on the elevation certificate, it appears the building may be floodproofed. Can you verify if is and get a copy of the floodproofing certificate? Sorry, but this is how this flood insurance goes '' So I now trying to track down a flood proofing certificate that doesn't exist. And now the annual policy is {$8200.00}. At that rate I would have never qualified for the loan, nor would I have bought the property. So now I am stuck and no one will apologize nor take any responsibility. Now I am stuck either paying {$8200.00} which I can't afford so I don't pay it. Next I get a letter in the mail from US Bank saying they are going to force coverage if I don't get adequet coverage. So I let them force coverage. But somehow they got the additional coverage for around $ XXXX {$2200.00} I don't have that amount readily available but its in that area. But still on top of the {$800.00} I paid for the other policy which is only partial coverage it is $ XXXX {$2200.00} more! Thats a substantial amount and I would not have qualified for the home because of debt to income ratio. No one has offered a solution to the problem and now I can't pay my mortgage and it is being forclosed on. I need help immedialtly or myself a single father with custody of my kids we are going to be homeless. 

Parties are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX US Bank Home Mortgage XXXX. XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND 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 2019-12-27 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

Company response to consumer: Closed with non-monetary relief