vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2018 there were two fraudulent charges. One from XXXX and one from XXXX. XXXX reversed the one from XXXX. But refuses to reverse the XXXX payment. They claim it takes time to investigate.

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 2018-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
They are reporting XXXX ( reported in XXXX ) and XXXX XXXX ( charged off XX/XX/XXXX ) as included in a bankruptcy that was discharged in XXXX. I sent over proof to have XXXX removed and they listed things as being included in a bankruptcy that was impossible being that the bankruptcy was discharged in XXXX and I didn't acquire the debt until XXXX. I have attached the same documentation that I sent Equifax ... no where listed on the documentation are these companies listed or I have put a dispute in for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I closed on my house in late XX/XX/XXXX - ditech owes me over 1300 andstill has not paid me as ofXX/XX/XXXX.  First I was told they sent the check to the house I sold. Then I was told they needed to investigate.  Then I was told I has to wait another 10 days so they could cut another check.  Last week I was told by the manager XXXX  ext#XXXX the check was in the mail- still no check all I received was a letter saying they were looking into the matter.  I have already reported this company to XXXX and need someone to look into this - I think there is a law that they only had 30 days- next I will speak with my attorney about legal action against this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MD

Complaint narrative:
On XX/XX/XXXX I placed an application on a 2 bed/ 2 bath & den at the XXXX   at XXXX and CoreLogic violated Fair Credit Reporting Act, 607. Compliance procedures [ 15 U.S.C. 1681e ] : Section ( b ) Accuracy of report. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' CoreLogic erroneously reported an unverified non-existing open court judgment for $ 3,500+ with my CURRENT property management company XXXX XXXX XXXX dated back from XXXX. How is that possible if Im a current tenant in good standing? Had CoreLogic followed reasonable procedures to assure maximum possible accuracy, such as checking the actual court records or contacting the alleged judgment holder that I currently am still leased under, this erroneous open landlord/tenant judgment would not have been reported. As a result on XX/XX/XXXX ; I received an Adverse Action Letter from The XXXX at XXXX advising me that they are unable to approve my application : " This adverse action has been taken in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ).

This decision was based on : [ X ] Information contained in consumer report ( s ) obtained from or through CoreLogic XXXX XXXX XXXX XXXX, which may include credit or consumer information from one or more credit bureaus or consumer reporting agencies. '' I reached out to CoreLogic on XXXX XXXX and that is when I learned of this " outstanding judgment '' when I asked the representative did they verify that information prior to " selling '' this inaccurate information to a leasing company that determines if I get approved or denied for a rental lease. She said no and stated that " it must not have been updated ; I'll submit a dispute now and you will the results within 30 days ''. This is a very difficult development to secure a 2bed-2bath, Den and I have a deposit that is about to be refunded to me due to this error. After explaining the urgency ; I requested if they could expedite it because there is no court records or my current property manager to confirm this information ; I was told no.

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 2018-05-10 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: Freedom Mortgage Company
State: CA

Complaint narrative:
MyXX/XX/XXXX bank statement shows payment withdrawn XX/XX/XXXX and have delivery confirmation that payment was delivered onXX/XX/XXXX. While I understand that a late fee is assessed ( included amount in payment ) the final monthly payment was made within same month and I should not have been reported as late to credit bureaus. I provided information to company but they have refused my documentation.

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 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I have had several notices from XXXX XXXX XXXX and XXXX XXXX ... each time they report on my credit they report different dates, amounts etc.. they have had several complaints of fraud and consumer complaints. 
I have continually tried to dispute their charges with no outcome and I demand proof of my responsibility of these accounts and the amount. 
XXXX XXXX XXXX & {$380.00} XXXX-the same amounts..be one can find my name on these accounts-and I had medaid coverage on the  dates reported ( which are different on every report ) .I continue to get bills from the with the content " this is a sale '' never again will we give this " sale '' - this is not a legitimate statement from a creditor.

XXXX XXXX-XX/XX/XXXX- XXXX.. & XX/XX/XXXX- $ XXXX-same situation always different dates amounts letters with different amounts owed-and I demand proof of theses accounts that contest I have responsibility for these accounts. 
XXXX XXXX sent me a bill with the name of the agent as name of my son? Last name is XXXX-and have accounts and amounts that are not the same again! 
Debt Recovery Solutions- sending me bills for a hospital in a different city and county I have not been in and that is not mine. 
I have not had any of these debts and they keep showing up over and over with new amounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have three issues With Equifax that I believe in direct violation of my consumer rights. 
First, i will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address. I sent the required identification requested by Equifax. XX/XX/XXXX Equifax sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I receive a letter from another dispute. I notice that Equifax re-inserted the deleted address without informing me in writing that they were re-inserting the deleted address. 
Second. Equifax is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations had expired. Tennessee statute of limitations is 6 years. XXXX state that the account in question expired XX/XX/XXXX. XXXX informed me to contact Equifax. Equifax has been informed formally several times. Equifax has reported this account 2 years beyond & years. I have formally disputed this era to Equifax several times. 
Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. Equifax was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to Equifax XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX Equifax sent the bankruptcy dispute have been verified through XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
Second Round Lp is trying to collect {$2200.00} for a XXXX XXXX XXXX account that was charged off XX/XX/XXXX for {$1700.00}. They listed the debt as " XXXX '' but when I called to verify debt, they said it was for XXXX XXXX and could not verify the account. I have requested they verify the debt and they are not able to the debt is listed on my credit report. I have attached my credit report. Under 'NEGATIVE '' items you will see : XXXX/XXXX XXXX reported to all 3 bureaus and if you look under collections you will see 01 XXXX XXXX they are for the same debt ( both listed on pg 3 of my credit report ). You will find the original XXXX XXXX account on pg 63 ( showing last updated on XX/XX/XXXX eventho it charged off XX/XX/XXXX ) You will find Second Round new charge on page 74. It will only show XXXX XXXX and when you call they say it is the XXXX XXXX account, they give an amount of XXXX but can not verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
onXX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to a debt that this company purchased from XXXX XXXX XXXX  in an attempt to help repair my credit score. I was connected to my " account manager '' XXXX XXXX who indicated that I could settle the debt by making five payments of {$100.00} for a total of {$540.00} ( the amount of the debt ). I made the five payments to this company as agreed via money orders for which I have proof and proof that the company cashed all 5 money orders I  mailed to them. OnXX/XX/XXXX when I called to get a final payoff letter so that I can submit to the three credit bureaus, I was told by the representative that my account is still lacking two payments. When I asked to speak to a supervisor to attempt to clarify this issue, I was transferred to a XXXX XXXX whom said he was the supervisor. He also said my account was short 2 payments and really did not care to hear or investigate my complaint. I then asked for another supervisor or financial officer and was transferred to a XXXX XXXX who identified himself as the customer support supervisor. He offered to investigate my complaint taking down my information. When I called back on XX/XX/XXXX, I had to start the whole fiasco over again with representatives who had a very eminent language barrier and acted like they had no idea what I was talking about. to this date XX/XX/XXXX, I have not heard from this company in regards to this complaint, nor have they issued me a letter stating this account was paid in full. I feel this is a foreign call center whom is praying on individuals trying their hardest to pay off their debts. I feel they committed fraud by cashing these money orders as payments and then denying they were ever received. I don't want anything from this company except a letter stating my account was paid off in full so that I can submit to the credit bureaus to help rectify my credit. As consumers we have the right to this if we have done our part and paid off our debtor in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
My savings account at Umpqua bank was switched into an employees name. This employee was XXXX XXXX and was my girlfriend at the time. XXXX forged my signature card and transferred the account into her name. I was unaware of this until we later broke up and my account was no longer accessible to me. I suffered a loss exceeding {$7000.00} from this fraudulent act.

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX  and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CNG HOLDINGS INC
State: IL

Complaint narrative:
This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I recently checked my credit report and noticed i had a new debt from ERC. Immediately I sent checked it out and noticed it was for an account that is obviously not mine because it was opened in XXXX XXXX and I live in XXXX. I immediately sent a debt validation letter to ERC to dispute this debt. I got a response back from ERC with so called 'validation '' which happens to be 3 months of bill ledgers. Whoever opened this account had it open from XX/XX/XXXX- XX/XX/XXXX and ran up {$1200.00} in charges.ERC nor XXXX nor XXXX have any proof of my license or a signed contract proving to me that I indeed opened this fraudulent cable account. At the time this account was opened in XXXX, XXXX ( Which I never even heard of ), I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At that time i also had cable services at my address with XXXXXXXX XXXX   who XXXX now owns. I am 100 % sure they can research that to verify that I cable in XXXX. But now when I asked them to pull up my account to prove I lived in XXXX   they mysteriously can not pull accounts from XXXX. So how do they want me to verify the address I lived at during the 3 months this cable services was so called in " my name ''. I also called the electric company who told me they can only pull accounts back to 2 years. So this alleged cable account need to be removed from my credit report IMMEDIATELY. I am wondering why all of a sudden it popped up on my reports and I have no debt. Why wasn't it reported in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ,XX/XX/XXXX or XX/XX/XXXX?? I could have maybe had a chance to prove it wasn't my debt. Now 7 years later i'm STILL in XXXX living my good life and they want to pop up now. They need to verify ID from people opening services so things like what I am going through can STOP happening..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
I was recently contacted by a collection agency. 

I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. 

They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. 

They need to stop this trolling behavior. 

What can your organization do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TX

Complaint narrative:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint

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 2018-05-10 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: DISCOVER BANK
State: KS

Complaint narrative:
I contacted discover card customer service and they were completely rude. I called them because there were some charges to my card that I didn't make but they are still making me pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Went to my local grocery store one I have written checks for over 500 times never once has any bounced today they denied my purchase for code 2 saying it was an error and no it wouldnt reverse it decision. I tried to speak with someone more in charge was told there wasnt anyone called back and was hung up on. Called back again and was told it was because I bounced a check with the grocery store which I have never done. Given complete run around and hung up on again

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