vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX  as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a 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
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian to ask them to remove a fraud alert that I did not place on my report. When the rep ask me a question he did not read the question correcty and therefore i answered the question wrong. After asking to speak with a supervisor and explaing to her that her rep was having trouble reading the question to me and it seem as if he did not speak english the supervisor then hung up the phone on me. Now I can not get through to customer service and I am being blocked from uploading my docements to prove my identity so I can remove the fraud alert. Hard working people should not be allowed to be treated this way by a credit reporting company. Please help 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 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
The money I had sent was someone selling gift cards on XXXX. I have never had any problems until now I contacted XXXX and Paypal and both said there was nothing that could be done. So as of right now he has my {$50.00} and I have no product from him. I am just trying to figure out what to do so this doesnt happen to anybody else and see if there is a way I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have my mortgage with Sun Trust Bank and have had some trying times with these people. Recently I was told by them that I didn't have Home Owners Insurance and that I had a lapse from XXXX XXXX thru XXXX XXXX. I called my HOI insurance agency and they sent proof that I did have HOI with them, they called Sun Trust and we made a three way conversation and the lady at XXXX XXXX advised them that I do have coverage through them and since I have allowed them to automatically withdraw the fee, there couldn't be a lapse. However, Sun Trust didn't wait for proof that I do have HOI and took out a {$45.00} HOI and added it on to my mortgage payment as fax charges!! I have had my escrow since I signed with Sun Trust and I believe they want it so they can add it on to their " cushion ''. I am trying to acquire another mortgage company but it takes time. I check the XXXX  and other agencies to make sure don't have a lot of complaints. 
I hope you can help to solve this problem for me. Thank you for time and effort. As an after thought, the 2008 housing debacle still looms in our minds, will it happen again? Some people said it could never happen!!

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 2019-03-08 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. 

XX/XX/2018 - They replied with a letter stating that it was my account, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I HAVE PAID CAPITAL ONE IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX   and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
My name is XXXX  ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I filed a CFPB complaint against American Express on XX/XX/XXXX, got response from the company today as of XX/XX/XXXX. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the XXXX website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, XXXX should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. Therefore, I submitted a new complaint immediately onXX/XX/XXXX. I received the same response from the company on XX/XX/XXXX claiming that I was provided with the eligibility information for the welcome offer prior to the final application processing, which was completely false. This was a deceptive marketing event and through my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: U.S. BANCORP
State: MA

Complaint narrative:
US Bank will not remove a late payment status from my account, from XX/XX/2017. I leased a car from US Bank ( never again, they are horrible ) and set up autopay with my bank. My bank ( XXXX XXXX ) did not release payment because they saw fraudulent activity on my account and stopped all payments to protect me. I tried to explain this to US Bank and I had the worst experience, being bounced around on the phone, put on hold for extended period of time, dropped or disconnected calls, telling me someone would call me back, etc. I could go on and on. My bank tried to protect me, they wrote a letter to US bank and US bank would not do anything. I apologized for the mistake which I wasn't aware of until after 30  days went by and then payment was 31 days late. US Bank then put a strike on my credit. If you look at my credit report I have never been late with a payment in my entire life. I do not carry credit card balances, I pay my mortgages off in full when I can. I had a credit score of XXXX and when US Bank did this to me my score dropped dramatically. It was a mistake which I apologized for and which I never made a mistake like that in my life spanning 40+ years of excellent credit, I think that they should correct it. Also, given the fact they my bank, XXXX XXXX, wrote them a letter explaining why they didn't release payment. Again, I set up autopay from my bank to US bank as soon as I leased the vehicle from them. I also had autopay set up from my previous lease with XXXX XXXX and never had a late payment. I am upset that a mistake was made, never intentional, and as soon as I was aware of the mistake I called US make and made three payments over the phone. Any help you can provide is appreciated. I have attached all of my documentation, letters to US bank, letter from my bank, proof of my on-time scheduled payment from XXXX XXXX to US Bank, and more.

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 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I transferred {$5000.00} via HSBC branch located in XXXX NJ into an XXXX Companys XXXX XXXX   checking account on XX/XX/2019. XXXX XXXX requested XXXX information from HSBC and which was never provided. I requested return of funds on XX/XX/2019 from HSBC. I am still waiting for the funds. XXXX XXXX  has not received any request from HSBC for the return of these funds. I can not speak to the wire department directly nor I am given any update on where HSBC stand in recovering my funds. I need help in recovering my money that XXXX and XXXX XXXX  owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is a most incompetent, unresponsive and obstinate organization. On XX/XX/2019, I wrote : Dear Ms. XXXX, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake calling me XXXX XXXX XXXX XXXX, adding a suffix ( XXXX ) I have never used, and have no reason to use, as I have NO MALE children. 

I have sent them copies of passport, drivers license, social security card all with my name ; XXXX XXXX XXXX. In addition, all my financial information, e.g., bank accounts, credit cards and Trusts are under my name : XXXX XXXX XXXX. Yet, Equifax insist on adding a suffix to my name!!!. I am tired of dealing with them. Should I sue them for wasting my time writing letters?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
I tried reaching out to an old landlord who had me in eviction status since XXXX, No money is owed I called property and they said no records found it may be on the old system? Contact the collections company in which they could not provide the number too? 
On my rental credit report ( XXXX  ) DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX ( Ph. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY Also Fair Collections Outsourcing DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY 2 DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX  XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY

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 2019-03-08 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: CA

Complaint narrative:
XXXX and Transunion are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/2018 I tried to open a " Savings Goal '' ( high yield savings ) account at Simple Bank ( www.simple.com ) and got denied after failing to confirm I am a US Citizen. 

As a lawful permanent US resident ( green card holder ) I enjoy almost exactly the same rights are US citizens, besides being able to vote and to apply for a government job. Denying a lawful permanent US resident a savings account on the basis of his/her origin is unlawful.

I have contacted Simple several times, through their support system and social channels, but they keep refusing to serve people with a green card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: OH

Complaint narrative:
I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, TRANSUNION, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO 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 explanation
Consumer complaint received 2019-03-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND EQUIFAX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: OH

Complaint narrative:
I previously filed a complaint with the FTC on XX/XX/2019 about this phone number. My complaint reference number is XXXX. I have received 2 more voice mails from this number since that date on approximately XX/XX/XXXX, and Again today, XX/XX/XXXX at approximately XXXX. 

Company has left a total of 3 voice mails on my phone. Although I know the individual this company is attempting to reach because we are a couple for over 30-years, I am not him. 

The message says that it is a personal message for the person the company is attempting to reach followed by an disclaimer stating if I am not that person I need to disconnect. Unfortunately, since the call rolls to voicemail, it does not disconnect. When I played the message for this individual, it indicated that by continuing to listen to the message that this was confirmation that I am him. Furthermore, it indicated it was an attempt to collect a debt and he must contact the company immediately. 

This individual and I are domestic partners and have a home and children together. As a result of the call, we went through our correspondence and conducted credit checks to see if either of us had any outstanding bills or blemishes on our credit. Neither of us did. All of our bills, including medical, are paid in full. In addition, no bills have been sent to our home, to either myself or him indicating a past due balance. Thus, I suspect this is either a scam or an error. However, because no correspondence has ever been sent to our home regarding past-due balances for anything, we will not be contacting this number. 

When I researched the phone number, I saw several comments about people receiving robocalls from this same number. All had similar issues. Some indicated when they called the number, the person answering started demanding all sorts of personal information, which is suspect. 

Furthermore, if any unpaid medical bills are due for either of us or our children, we would both expect to receive an invoice or correspondence from the entity that is owed the money indicating the date of service, the amount due, any adjustments or payments made, etc ... Not a phone call that relays suspect information and sounds like a scam.

Company response to consumer: Closed with explanation