vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Consumer Financial Protection Bureaus, I would like to file a complaint against Transunion on the basis of sabotaging my credit profile and not abiding by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Transunion had requested documentation of re-establishment of a XXXX Credit Card that is on my credit profile with XXXX and XXXX. I have worked beyond the means to get this information to Transunion, as far as working with XXXX Executive customer service, who have validated this account and further more have established that the account has been reporting since XX/XX/2018. Transunion is exerting its power on me the consumer as punishment due to me obtaining an attorney on the matter, they continue to violate the Fair Credit Reporting Act, even when given documentation that they have requested. They continue to change the document acceptance process requested by them to further violate the Fair Credit reporting act as retaliation for filing claims or reporting a violation to my attorneys against them. 
I have attached document from Creditor XXXX Card on behalf of the Executive customer service. Transunion representative stated that now they will only accept an online ERS update from XXXX, which when I contacted Creditor XXXX, they have stated they have not heard of such a process and have been reporting this XXXX Card account to Transunion on my behalf, based on a legal and federal guidelines set by the Fair Credit Reporting Act since XX/XX/2018. 
As a consumer I am outraged that Transunion think it is above the Fair Credit reporting act and continue to retaliate against me for filing claims or reporting a violation to my attorneys against them.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The property subject to the mortgage was demolished due to FEMA flood regulations. After the demo of the property Mr Cooper requested proof of flood insurance. 

Mr Cooper was provided with : A copy of the demolition permit A signed letter from the contractor stating the property was demolished Email chain from the insurance provider stating that flood coverage is not provided for vacant land Despite calling and providing written notice that no structure that is eligible for flood insurance is on the property Mr. Cooper purchased force placed coverage on the property. 

On XX/XX/2019 I contacted XXXX, the company providing the force placed coverage and inquired how they determined the value of the structure. ( {$170000.00} ) XXXX stated this value you was provided by Mr. cooper. Mr Cooper provided this information knowing that no structure is on the property that is eligible for flood coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TX

Complaint narrative:
In XXXX of 2016 two fraudulent accounts were opened at XXXX XXXX XXXX in my name. I recently discovered the accounts when I did a credit check from the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I immediately contacted the credit bureaus to dispute the accounts. I filed a police report for identity theft with the XXXX Police Department. I contacted XXXX Fraud department and disputed the accounts. XXXX mailed me a fraud packet to complete and return to them. I completed the packet and mailed XXXX the fraud packet, police report, a copy of my driver 's license, and utility bill to verify my address and identity. I have called XXXX fraud department several times to find out the status of the investigation. I can't get any answers from their representatives. About two weeks ago, I spoke to a XXXX representative named XXXX. XXXX stated that she had received the fraud packet and the accounts were being investigated. I was supposed to receive the results of the investigation via mail, but have not received any correspondence from XXXX. In the meantime, these two fraudulent accounts are ruining my credit and livelihood. I am being declined for credit opportunities and paying more money in financing.

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 2019-05-23 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:
id theft victim. the follow accounts reporting are not mine. 

XXXX XXXX XX/XX/2015 not mine XXXX XXXX XXXX {$11000.00} not mine

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 2019-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This company is a predator on those who are struggling with their credit scores not only was I sold a vehicle that costs thousands of dollars in repairs including multiple engine replacements that left the vehicle in operable they inaccurately reported late payments to the credit bureau as well as initial payments and multiple payments made throughout the years {$0.00} or less than {$1.00} was applied to the principal and the entire payment amounts were applied to interest. On a {$17000.00} loan in 5 years of payments the ending balance was still {$7200.00}. The year after purchasing the vehicle this company was fined 8 million dollars for harassment and inaccurate credit reporting, the name was changed XXXX XXXX XXXX to Bridgecrest and the unfair practices continued. They refuse to remove the account from my credit score which is impacting my ability to improve my credit scores even though the account is paid in full and inaccurate. The harm they have caused by their outrageous tactics and preying on those that fall on hard times should be punishable. I will pay for years for doing business with this company with my credit score, have suffered extreme financial strain related to their practices, the repair expenses and 5 years of payments with outrageous interest rates and mental stress and anxiety of their harassment and have only asked to be afforded the opportunity to repair my credit score by requesting a deletion of the account information from all credit bureaus. The loan is paid off and they gain nothing by keeping it on my report other then to continue to harm me for years to come. I beg for an opportunity to move past this and have this inaccuracy totally deleted from my credit reports so that I can have a fair opportunity to rebuild my credit. I am attaching the account history so that you can see the outrageous funds paid and practices of applying zero to principal including initial payments. I am also willing to provide repair receipts of thousands of dollars for a low quality vehicle sold including multiple engine replacements as well if requested. 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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Balances showing {$200.00} and some dollars. Was report by XXXX XXXX however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX Please review my auto loan the dealer send the company aca American Credit Acceptance a fraudelent drivers license did not give consent or did i have any knowledge that. The dealership had done that my loan shouldbe review again and the complaint please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
While searching for my credit scores, I discovered that Designed Receivable Solutions submitted a collection for a ( closed ) XXXX XXXX XXXX XXXX Hospital bill in XX/XX/XXXX. According to three different Medicare representatives, Medicare paid the account, and that I DO NOT owe the original charge of {$3200.00}. The Medicare Summary Notice states that the total that I may be billed is {$190.00}. As always, that amount was to be submitted to my secondary insurance for payment. As of this date, Designed Receivable Solutions has not sent proof of original billing as requested! 

XXXX XXXX, the collection manager, literally laughed in my face when I stated that I was going to report this problem to the Attorney General Office, the CFPB, and The XXXX XXXX XXXX. His exact words were, " Good luck with that! '' It seems that he has done this before and that no consequences for his bold actions! 

Please note that I received from a person who worked for XXXX XXXX XXXX Hospital, who stated emphatically that a female co-worker had intentionally submitted many collection notices to XXXX XXXX XXXX Hospital patients upon its closing in XXXX, but he was intervening to stop this wrong. He promised that I had nothing to worry about, that he would send the {$190.00} to my secondary insurance for payment. 

Please note that I NEVER HEARD back from XXXX XXXX XXXX for any billing at all. In fact, Designed Receivable Solutions had my old address on file as of XX/XX/XXXX ; therefore, I never received any correspondence from them as well. I was never contacted by Designed Receivable Solutions until I called them after discovering on my own that my credit report contained a collection! I gave my new address and phone number to XXXX XXXX. 

Please HELP!!! I have endured so much sickness due to an already chronic medical condition ; since XXXX I have had to go to the ER twice and to several doctors for chronic stress and XXXX XXXX XXXX! 

Thanks for clearing up this matter. Enclosed, please find supporting documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America sent us proof that on XX/XX/2012, they did a Principal Adjustment of {$65000.00}. This adjustment is not being reflected in our statements or in what is being reported to Credit Bureaus.

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
The company portfolio recovery has start a campaign of phone call on my cell and home number using a rolling number tactic meant never the same number calling my cell phone has over 20 numbers all listed to portfolio recovery I'm out of work and told them that and when I get job I will contact them they persist on calling 5 to 7 times a day please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: MN

Complaint narrative:
I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.

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 2019-05-23 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: RI

Complaint narrative:
I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I went with a capital one secured card to repair my credit. After 6 months on time payment history I was told I could get a credit increase. I missed the 6th payment due to an issue with the capital one website and it not processing the payment before the due date and I did not realize it until a few days after the payment due date. This was over 2 years ago. I still have and use the secured card and pay on time every month and usually make 2 payments per month over the one just to be sure the payments are processed. Ive been 2 years straight now without a single missed payment or late payment and I still can not get a credit increase. Without that increase Im showing a constant low credit available due to only having a credit line of the initial XXXX dollars that I paid for the card 29 months ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: IL

Complaint narrative:
Two fraudulent charges were made to my account on XX/XX/XXXX by a company I did not recognize ( XXXX XXXX XXXX [ XXXX ] ) for a total of {$1300.00}. I immediately reported the fraud. Later I received the fraudulently ordered merchandise to my house ( billing address for the Credit Card ) and contacted the merchant. The merchandise was returned to XXXX on XX/XX/XXXX ( UPS tracking ). I have spoken multiple times to both the Credit Card Company ( Barclays ) and the Merchant ( XXXX ) and each is saying the other is responsible for refunding my money. 

Attached are the letter I sent to the Credit Card company, with a summary of time lines, proof of merchandise return, and the email conversations I have had with the merchant.

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 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Using the Simple Mobile App Mobile Check Deposit feature today I deposited an insurance check from XXXX which was overnighted to me from the Office of the CEO. 

XXXX XXXX wrongfully rejected this check without any explanation as to why. I followed all of the proper procedures in depositing this check by taking clear front and back photos with all four corners visible. I endorced the check as instructed by signing it, writing my account number and noting " For mobile deposit only, Simple ''. Now I am unable to cash this check since I wrote " Void '' also as instructed on the front after making the mobile deposit. This will cause my rent to be paid late and incur additional charges while I request and wait for a new check to be issued. This I believe to be in tree retaliation to my complaint made yesterday regarding there handling of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 i had 4 fraudulent transactions on my debit card from XXXX gas station in XXXX XXXX. 
1 for XXXX 1 for XXXX 1 for XXXX 1 for XXXX I called the bank as soon as i was made aware of the transactions that all happened around midnigjt while i was home asleep with my atm card in my wallet. I advised them that i believed there may have been a skimmer or something because i HAD gotten gas at that station on XX/XX/XXXX in the amount of XXXX. They temporarily credited my account on XX/XX/XXXX for the full amount and opened a claim. On XX/XX/XXXX my account was overdrawn because they reversed the credits and claim that the i investigation found no fraud and they were legitimate transactions because of the location although i had told them the transaction from that location 4 days prior was authorized but not the 4 equaling {$410.00}. I called to appeal the decision and they opened a appeal case but said i may not win and may not get my money back. I tried to get this process expedited considering my account is in the negative and i have bills on autopay set to come out and children to feed. 
I dont think that the investigation was fair and even other reps on the phone said they see this all the time with gas stations and its always fraud so im not sure why i as a customer am being held accountable for stolen money. The appeal is in process and will take 3-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have two items on my Experion credit report that are in error and should be deleted.

( 1 ) An XXXX XXXX   item showing a {$59.00} debt that was in error when first reported as I cleared all charges with XXXX  when I terminated the service. I even carried the account for additional months so that I would not have this problem. They keep turning the account over to different collectors, as of now a total of 5 agencies have harassed me.

( 2 ) A derogatory report from XXXX XXXX in the amount of {$170.00} should never have appeared on my statement. At the time I terminated my account with XXXX   I made sure I continued with them beyond my two year commitment. At the time I also had XXXX XXXX through XXXX  and when I terminated I called XXXX and was told to discontinue paying XXXX   and start paying XXXX  directly, which I did. I can't imagine how I should have to pay twice for the same service.

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 2019-05-23 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: RI

Complaint narrative:
I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: RI

Complaint narrative:
I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them

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