vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and 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 2019-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   ; XXXX XXXX ; XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have overpayments being directed to my lowest interest loans instead of my highest interest loans, which is contradictory to my overpayment Directions. This is causing me to not get the full benefits of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX  and 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GreenSky, LLC
State: IA

Complaint narrative:
I keep getting harassed calls. They are calling family members and friends Ive lived with. Calling XXXX times a day. I sent cease and desist letter to green sky loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America card was lost in XX/XX/XXXX. Unfortunately I did not realize the card was lost until my mother brought to my attention that I had a very high balance. This was in XX/XX/XXXX. I immediately called BOA to notify them that there were unauthorized charges made to my card. ( charges for restaurants I've never been to, excessive trips to, and amounts charged at convenience stores that I do not frequent, etc. ) They took down information and was told they would take care of it. I was credited with the amount of XXXX which was the amount of the unauthorized charges. On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ), a standard form letter, from them informing me that they had completed their review and that they had determined no fraud had occurred. I called them on XX/XX/XXXX and spoke to a very nice lady who told me that the reason they had made that determination was probably because " the charges made did not follow a pattern that they usually see when fraud is committed '' She assured me that hey would take another look at my case and they would contact me. I then received a very prompt letter, ( dated XX/XX/XXXX ) identical to the one I had received on XX/XX/XXXX. I contacted them in a letter of XX/XX/XXXX providing them with substantial evidence to prove my case, that letter was never answered, nor was my letter of XX/XX/XXXX. I continued making my monthly payments as agreed, and on XX/XX/XXXX I went in to the bank in my city and paid a total of {$4100.00} which was my balance, minus the XXXX fraudulent charges in question. I once more requested that my fraud claim be considered. They asked me to resubmit all the documentation via fax which I did. I received an answer, the same standard form letter denying my fraud claim. I was never given a clear and concise explanation of their investigation. I feel BOA has violated our contractual agreement of " fraud protection - XXXX liability guarantee I stand firm on my claim that fraudulent charges were made on my card, and I feel I am not liable to pay for them. I request that BOA show proof that a thorough investigation was made to support their findings that no fraud was committed. I also request that the balance " owed '' be taken off and my name be cleared from any credit bureau that might have derogatory information regarding this matter. I would appreciate all the help you can provide me. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I went to emergency at XXXX XXXX off of XXXX XXXX in XXXX XXXX for a insect bite on my face XX/XX/XXXX, I have insurance and gave the hospital all off my information and XXXX card that have the medical record number and phone number on it, well the hospital never tried to billing XXXX which is in California at all, I reached out to XXXX for a record and they said there was no record of attempt from XXXX or the collection company Harvest Associates Inc . I contacted the collection company inXX/XX/XXXX and in XX/XX/XXXX and they actually wanted me to do there job and reach out to my insurer which I did my insurer told me they the hospital had 180 days to bill them in which they didn't even attempt. I didn't find out it was on my credit until XX/XX/XXXX. please help with this matter. Amount is {$770.00} Also have been insured with XXXX XXXX sinceXX/XX/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 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: FL

Complaint narrative:
In XX/XX/2017 I was involved in a school sport function injury. The schools insurance paid the bills to the debt collector/ hospital last year and settled it. The hospital is now saying it wasnt paid and sent it off to collections and is failing to provide reasons for these amounts that is unpaid and will not provide any paper work showing why my account was sent to collections and they stated it was placed on hold and was never even supposed to be sent to collections, but some how it got sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a Discover Card holder since XX/XX/2007. In that last 12 years I have always made my payments on time and yet Discover has never offered me a lower interest rate. I spoke with them many times and they still say they can't lower my rate. They are charging me an outrageous rate of 24.24 %!! WHY! The Federal Prime Rate is 5.25 % which is even higher than the Federal Funds Rate of 2.25 % Why am I paying 24.24 % interest and going on to 29.9 % interest if I've never had a late payment!!! This is nothing but Predatory Lending to the extreme. I've also noticed that women have higher interest rates than men. Someone should look into that as well. I demand an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
1. Purchasing my XXXX XXXX XXXX Truck at the end of a 3 year lease. 
2. Negotiating a purchase agreement.

3. The lease agreement was on XXXX for $ XXXX/month for 38 months and endsXX/XX/2019. At the lease signing the salesman told me if I wanted to purchase the truck when the lease ended the monthly payment would be about the same, more or less. Monday XX/XX/XXXX my wife and I went to XXXX XXXX XXXX XXXX dealership in XXXX, UT. to find out what kind of purchase deal we could work out. We talked to Salesman XXXX, and Sales Manager XXXX ' who presented us with $ XXXX {$510.00} per month for 84 months. We told them we were on a budget and we couldn't swing that kind of deal, and they said can you put any money down? We said no because we were on a budget so it would have to be XXXX down. They said sorry, that's all we can do for you, I asked what about the {$10000.00} we put down at the lease signing, where did that go? They said it went to the residual cost of the truck, so we would be out that money if we didn't buy the truck. We decided to think about it for a few days and I returned with my son on Wednesday XX/XX/XXXX at XXXX to talk to the General Manager XXXX along with the Sales Manager XXXX ' to see if we could try and make a deal but the answer was the same as before. XXXX was very arrogant and aloof in his manor and asked my son if he new anything about math and my son said yes I know it very well, I work at a Financial Institution and super- vise many agents, then XXXX stood up and said I guess we are not going to get anywhere here, like we were wasting his time, so we left. I must say XXXX was a very rude representative of XXXX XXXX XXXX XXXX in XXXX, UT. 
4. The company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT. XXXX Phone is XXXX 5. Salesman XXXX, Sales Manager XXXX ', General Manager XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2019, Equifax received request to investigate accounts reporting to my credit report that are inaccurate and do not belong to me. I informed Equifax to investigate and delete the following accounts. 
1. XXXX XXXX, Acct # XXXX delete this account 2. XXXX - Acct # XXXX xx - reporting as a charge off and late 3.  XXXX Acct # XXXX xx. reporting as a charge off and late * Additionally, Equifax should know that I have OPTED-OUT of the class action settlement they are trying to scam every American into accepting. I Opted-Out because I fullly into to file a separate lawsuit against them for hundreds of thousands in damages they have cause me. 

As for the accounts listed above. Equifax has made zero attempts to investigate my claims within the time period allowed by law. Equifax has easily exceeded the time frame of 30 days therefore, by LAW MUST delete the account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX  veterans will be completely erased,, I hereby respectfully request that Transunion and XXXX erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.

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 2019-08-22 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: CA

Complaint narrative:
In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX veterans will be completely erased,, I hereby respectfully request that XXXX and Equifax erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
XXXX sold my account to second round and both companies are showing that I owe for XXXX accounts. XXXX can not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
The dates that they have for when they are billing me, I wasn't even living in that state any more. I called them and told them that {$690.00} was showing up on my report, but that I had already moved out of state. They made no attempt to care or fix it.

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 2019-08-22 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: DISCOVER BANK
State: CA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX sold my account to second round and both companies are showing that I owe for XXXX accounts. XXXX can not resolve the issue.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX Account # XXXX XXXX *XX/XX/2019 *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief