vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: GA

Complaint narrative:
Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2017-08-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: WI

Complaint narrative:
I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my 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 explanation
Consumer complaint received 2017-08-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.

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 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This line of service was opened without my consent. The account is fraudulent and I am not responsible for the charges.

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 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am questioning if there is an error in my new escrow calculation. New escrow = $ XXXX/mo., increase of {$220.00} per month over last mortgage year. Current insurances, taxes, and PMI, plus allowed 2 month cushion = $ XXXX/mo. if calculated based upon the actual bills due ( refer to attachments provided ). Bank is saying they base tax estimate on formula using XX/XX/XXXXdata instead of actual bill for XX/XX/XXXX. Bank also did not pay insurance on time this year, causing it to lapse - this is the second time they have had a problem administering the escrow account effectively. I am wondering if they are trying to recoup a penalty or late payment by sneaking it into new calculation. I am living check to check at this time and I can not afford to put a surplus in my escrow and wait to get it back a year from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
In XX/XX/XXXX I submitted a complaint against Freedom Mortgage and it appears they do not understand not only contract law but the simple fact that a Federal Law supersedes any of their " rules ''. Since XX/XX/XXXX I have been dealing with these guys so lets talk legal terms. 1 : In your last response you spoke of a " Contract '' that is between Freedom and Myself. In basic contact law one must have a contract, review the contract and approve the contract to be held accountable for said contract. Freedom purchased my home loan and I have never seen, or agreed to any terms with a contract that was never delivered to me. IAW If an agreement is not signed, the terms of it are generally not binding. Binding means that the parties are legally obliged to carry out their obligations/duties in the contract. Not only did I never agree to your terms ; I have never seen your so called contract. Most contracts must contain two elements to be legally valid : All parties must be in agreement. Something of value must be exchanged -- such as cash, services, or goods -- for something else of value. 2 : In XX/XX/XXXX Freedom was found guilty and paid a {$2000.00} dollar fine to the State of Mass and was also found guilty of Federal laws which is exactly what Freedom is doing currently. Freedom is currently in violation of the Mortgage Relief Act of XX/XX/XXXX which states if a borrower submitted a payment that covers the Escrow, Principle, and Interest the mortgage MUST process this as a full payment and later will receive the late payment from the borrower. Federal law trumps any rules that Freedom might have in a contract I have never seen or agreed too. 3 : So going forward in may I owed only XXXX and moving forward I am only owe Freedom a back payment of XXXX in late fees. Even in your own response you admit to not following Federal Law. So I am no longer playing this has gone too long. You will apply those payments as required by law or I will be forced to take this further.

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 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX* rules ( the lien has no SSN number and no DOB ). * XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.

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 2017-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
PHH is our mortgage company. We are now attempting refinancing with another company. They have not provided a payoff amount, despite repeated requests to them and to their attorney 's office. I initially requested this on XX/XX/XXXX. It is now XX/XX/XXXX, and we still have not received ANYTHING. We are ready to close in all ways except we ca n't get the payoff letter from them. Tomorrow, our locked in rate expires, and we have still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.

Company response to consumer: Closed with explanation