vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: MI

Complaint narrative:
I purchased a XXXX prepaid card 7 days ago and Ive been trying to pay 2 car notes. The prepaid card keeps declining the the transaction to two different car companies. So I called today to convert the temp card to permanent card and Im told this takes 7-10 days plus the week Ive already been trying to pay my bills. Now Im told the card that I had deactivated and replaced was not deactivated and that takes 3-5 days. So 7 day plus 7-10 days plus 3-5 days just to pay two car notes and cant is messing with my credit. And its nothing I can do but wait as they mess up my credit with this no working cards

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Discovered on a credit report ( XXXX XXXX ) an open account under collections. 
Information on the report : Fair Collections and Out 09 XXXX XXXX XXXX in Maryland {$2400.00} XX/XX/XXXX I have lived in Florida since XXXX. I have not rented any property in Maryland,. I have owned my own home and property in Florida at the same address for more than 30 years. I have attempted to tell Transunion on line, phone call and by snail mail that this is not my debt. They have stated that they did an investigation and will not look at the debt again. I do not understand how this was possibly investigated. This is NOT my debt. I have never heard of this address or the company involved. 
I have no information from the company related to this debt. I can document my residency in Florida since XXXX. 
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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Attached are documents PROVING this account can not be validated or verified and needs to be removed from my report IMMEDIATELY. In addition, please send my check allowed to me under the FCRA for continuing to report information that was not 100 % truth, impacting my ability to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Attached are documents PROVING this account can not be validated or verified and needs to be removed from my report IMMEDIATELY. In addition, please send my check allowed to me under the FCRA for continuing to report information that was not 100 % truth, impacting my ability to get new credit.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Innovis
State: MI

Complaint narrative:
UNDER FCRA LAW, account could not be validated or verified and collections have ceased. REMOVED all collections as well as XXXX  XXXX XXXX  from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2019 TransUnion sent results of Method of Investigation which did not really specify how they verified the Bankruptcies. I believe they are trying to say they verified it through the courts which is not factual, because per the letter I have attached courts do not validate bankruptcies with credit bureaus or third party entities. Also it does not show if they used a third party entity for example XXXX  OR XXXX XXXX which hold public records. Either way that is not the original furnisher ( THE COURTS ) and this must be removed immediately based off the evidence I have. 

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 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.

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 2019-11-19 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: GA

Complaint narrative:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.

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 2019-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX  Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX which are XXXX for XXXX $ and XXXX which is for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on Experian, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for 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 2019-11-19 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: FL

Complaint narrative:
MIDLAND Funding LLC is suing me for a credit card that I had with XXXX  XXXX bank from XXXX til XXXX. I requested for XXXX  XXXX to close my account in XX/XX/XXXX due to changed terms in the service and send me a finalized bill to my current mailing address. Fast forward in time I start to receive phones threatening to be sue as well as some of my family members being contacted stating that I was going to be sued. Shortly after the phone call I did receive notice to be sued and immediately called midland funding in XX/XX/XXXX to try and resolve stating to them that account was closed with a lower balance then they were seeking. They told me if I could prove it them they would work with me. I then contacted XXXX XXXX bank who where very understanding and apologetic but due to the lapse in time had no record of the account even stating they wish they could help. I disputing the amount. They were sending billing statements to they wrong address for 2 years had I know or received a bill I could have contacted immediately. I feel like I shouldn't have to pay 2 years worth of late fees and interest on an account that I was under they impression was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
Multiple calls, offensive, pushy, rude, demanding threats made by callers. Called today XX/XX/18. Owe XXXX to a past apartment community which did not provide written statement until a month after we moved. Immediately our account was transferred to IQ Data. We called and the account was not there st the time and was told to call in 30 days. Since then, multiple harassing phone calls have been recieved although we have stated we will take care of the bill via mail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say i owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX XXXX XXXX is withholding {$29000.00} of our funds for a period of six months. They have claimed that this is to protect against chargeback claims on our account that might arise. However, in about 7 years of using them for our merchant processing, we have only received less then 12 chargeback claims, total. 

Chase XXXX chose to end our business relationship. That is their right and we accept that. However, we have an absolute right to the funds they are withholding. Continued withholding of these funds significantly impairs our ability to operate as this is cash flow that we need to function on a day to day basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I signed up for a gym membership that ran from XXXX to XXXX. XXXX XXXX XXXX, the third party company that collected payment for the gym, continued to bill be after my gym membership expired. 

Now, a debt collector is attempting to collect the unpaid monthly fee.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Looked at my credit report today saw fraudulent inquiries. One from XXXX/XXXX second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!

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 2019-11-19 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: AES/PHEAA
State: IN

Complaint narrative:
I was double billed with Fed Loan Servicing and when I called to request a refund of the money they told me it would take 45 days. The Fed Loan Serving representative with employee ID number XXXX was also very rude and told me it was my fault. I ended up having to go to my bank and tell them it was an unauthorized refund to get my money back. Fed Loan Servicing is absolutely the worst company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Good morning I was originally contacted by one of your loan agents about a refinance opportunity, which in hindsight I should have said no to. I was told I would have a lower rate and would skip a payment. I agreed. I was told the closing would be on XX/XX/XXXX, however, after taking the day off to meet the individual, no one showed, and no one called. I was contact by someone at your agency from Indiana on XX/XX/XXXX at XXXX XXXX  and told we would move the refin to XX/XX/XXXX. I informed this person that I would be out of town, but I could rearranne the trip. We scheduled this appointment. 

During this call, I informed her that I had not paid XXXX as of yet as I was told not to worry about it, I asked ( on a recorded line ) if I should go ahead and pay it. I was told no, that Freedom Mortgage would make the first payment due on XX/XX/XXXX, and we would skip XXXX and XXXX. I encourage someone to listen to this conversation. 

Regardless of whether XXXX would have been due, XXXX would not have been as I was still in the window. However, Freedom Mortgage reported me as 30 days late on my mortgage. As a result, I have had an 80 point drop in my credit score, and I no longer qualify for an automobile loan. This is unacceptable, and unfair as I did everything I was told to do. I have tried calling the phone numbers your employees have told me to call, and after several hours and multiple phone calls, I was told to send an email. I can tell my business is appreciated.

I would like to request that my file be reviewed for loan number XXXX, and my old mortgage loan number so this error can be corrected. I also request a status update, an estimated time for this investigation to be completed and verification of receipt of this request. Again, I completed every task I was asked to do, and I trusted your employees to provide accurate information. 

Any assistance you can provide would be greatly appreciated.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Looked at my credit report today saw fraudulent inquiries. One from XXXX/XXXX  second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Looked at my credit report today saw fraudulent inquiries. One from XXXX   second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2019-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Please help me save my home! 
I received a letter from the attorney foreclosure firm threatening foreclosure. 
I have tried to work with my mortgage company for several months to no avail. 
My mortgage company has refused to accept any amount and is returning all funds. 
I have not been offered any type of Loss Mitigation assistance! 
I have over {$11000.00} and my mortgage company refuses to work with me on an arrangement. 
Due to an accident and my inability to work, I fell behind on my mortgage. 
Please help me save my home!

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