vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
I recently disputed XXXX XXXXXXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX, XXXX is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$1400.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I spoke with two different company representatives from Convergent Outsourcing Inc. regarding account number XXXX who have confirmed that the social security number on file with account number XXXX does not match my social security number. I have explained to this company that this account does not belong to me. Convergent Outsourcing Inc. has refused to remove this file, and has since sent a debt collection letter. Convergent Outsourcing Inc. continues to negatively report on my credit file, knowing that this account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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:
After that I discovered that there was a XXXX XXXX XXXX credit account and addresses on my experian report that were definitely not mine and hurting my credit score, I submitted dispute by phone call to the credit bureau, and they failed to remove the false information each and every time I submit the dispute and I did that 3 times. 
I called XXXX  multiple times and confirmed with them that there is not a single bit of information in their system on my SSN. Yet the dispute results always said the creditor confirmed the information. 
The false information is not on my XXXX or XXXX reports. The results did not come with any confirmation of why it was on my report, or even the full account number so I can provide to the XXXX reps that I talk to.

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 2019-02-12 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MA

Complaint narrative:
Dear LexisNexis ; I recently received a detail report on my LexisNexis credit file and I was looking through it, and noticed that there is an error with the way an Item is reporting with your organization and I would like it to be removed immediately. I extract some pages on the pile of paper that you send me, and I would like your company to remove this item from my credit report immediately. 

My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be deleted from all current and future credit reports.

Additionally, please send me an updated FULL report once this has been resolved.

I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was offered a promotion from Capital One bank to add a credit card to XXXX XXXX whereby I would receive a {$25.00} statement credit within 1-2 statement cycles. The dates of the promotion was XXXX. I added my capital one credit card ending in XXXX on XX/XX/XXXX. I received a confirmation email from Capital One on XX/XX/XXXX stating that they had successfully added my credit card ending in XXXX to XXXX XXXX. 

I waited 4 statement cycles and have not received the credit. I contacted customer service at Capital One on XX/XX/XXXX and spoke with a front end operator and a supervisor named XXXX ( Operator # XXXX ). He refused to honor the promotion, claiming he had no record of it, he was too lazy to bother looking it up online despite me giving him information on where to find it, and would not forward my request to the marketing department to research further. Also he would not provide me with an email address to forward a screen shot of the promotion and of my confirmation email. The supervisor was quite inept. 

The promotion in question can be viewed at the following weblink that is on Capital One Bank 's company website : https : //www.capitalone.comXXXX   Here is the info copied from the promo : " Timing The Offer begins on XX/XX/XXXX, at XXXX XXXX Eastern Time ( EST ) and ends XX/XX/XXXX at XXXX XXXX. ( EST ) ( the " Offer Period '' ). Offer is subject to cancellation at an any time ( including when the promotional funds are exhausted ). Our server is the official time-keeping device. 

The Reward The reward is a {$25.00} Capital One statement credit. Once earned, the statement credit will be automatically applied to the account associated with the Qualifying Card within one ( 1 ) to two ( 2 ) billing cycles. 

Note that statement credits lower account balance but do not count toward monthly minimum payment obligation. 

How to Earn the Reward During the Offer Period, Participants must enroll in XXXX XXXX using a Qualifying Card on a Qualified Device. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.

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 2019-02-12 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: FL

Complaint narrative:
I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX   on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
I had asked Flagstar Bank to sunset the property tax and homeowner insurance portions of my mortgage escrow account, since the closing papers gave me that right. The company refused. I complained to CFPB ( XXXX ) and received a letter from an XXXX XXXX XXXX from the Office of the President stating that because I had a XXXX XXXX loan, I could not sunset those escrow portions.

This was a surprise to me, since I had never had anything to do with XXXX XXXX. I called XXXX XXXX, and they said they had no record of me. Upon calling Flagstar on the inaccuracy, they had to admit mine was a conventional loan, but they still refused to sunset -- and they even cited the same XXXX XXXX restriction chapter and verse about loan-to-value ( LTV ) ratio not being 80 percent or less. This time, the excuse was I had private mortgage insurance ( PMI ).

I'm getting tired of Flagstar 's Excuse of the Month over imposing an inappropriate XXXX  XXXX restriction on my conventional loan. Their customer service department is anything but. They just throw up rationalizations, however inaccurate, and say no to everything.

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MA

Complaint narrative:
Franklin Collection is reporting on my XXXX, XXXX  , & XXXX   credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I began the mortgage application process with Wells Fargo Home Loan. On my initial loan application I said that the home was built in 1975 and converted to real property. On XX/XX/XXXX Wells Fargo charged me {$550.00} for an appraisal. On XX/XX/XXXX I was instructed to take a First Time Home Buyer course through XXXX  for {$75.00} as part of my loan application process. On XX/XX/XXXX, some 20 days into escrow, Wells Fargo denied my loan due to the date that the home was built, which I'd included on my initial loan application, leaving me with less than 7 days to secure another loan before losing my earnest money deposit. I subsequently had to relock with another company at a higher rate resulting in a total loss of ~ $ XXXX over the life of the loan. Further, my credit was damaged from being pulled several times by several mortgage companies and credit bureaus in two different months. I filed a complaint with Wells Fargo on XX/XX/XXXX seeking reimbursement for the appraisal and course totalling {$630.00}. I was assigned complaint case number XXXX and customer care representative XXXX XXXX at ext. XXXX. I have called the customer care line repeatedly and can not reach XXXX XXXX. I am then transferred to a generic customer care representative who can not access my file or give me a status update. Moreover, I feel that this is a violation of the Consumer Protection Act and Fair Lending Act due to the fact that the information they claimed to be the cause of denial was provided on day 1 of the loan application process and they could not produce a report or factual evidence as to why the loan was being denied despite documentation from the State of California Housing and Community Development Office that the home was converted to real property and has legal filing with the State of California.

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI. 
We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous. 
At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI. 
SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal. 
Our principal is currently at approximately 50 % of the loan value and we are still paying PMI. 

Are we mistaken about the HPA as it relates to PMI and its automatic cancellation? 
If not, would you please help us resolve this issue? 
( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, 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 2019-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX XXXX is reporting on my XXXX, XXXX , & XXXX  credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: TX

Complaint narrative:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX:XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/2018. How is that accurate? 
There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$2200.00}. How is this accurate? 

There should be no negative payment history on a collection account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.

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 2019-02-12 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: FL

Complaint narrative:
Hello - I have completed multiple disputes with Experian, XXXX  & XXXX to remove all accounts with Account # XXXX - XXXX XXXX XXXX/XXXX but always get 'Updated ' result. They are ALL Closed and still showing on my credit file. These all opened starting at XX/XX/2003 & have been closed over 8 years with XXXX balance. Please have the bureaus delete these accounts as there is no contract or balance.

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