vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
I've recently checked my credit report with Experian, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and XXXX XXXX / XXXX account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But Experian reinserted the fraudulent XXXX account back to my credit report without sending me any note or letter.

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest recovery systems keeps putting a collection on my credit bureaus for a debt with XXXX XXXX, says I owe {$260.00}. Have disputed twice with XXXX  and they have removed twice due to invalid acct. Midwest keeps putting it back on, now its on XXXX  also. Have once again disputed with both. Called Midwest and asked for proof of debt since I haven't used checks in years ( im assuming this is a payday advance place ) and they refuse to provide proof of acct. plus the dates change every time they put it back on, now it says first reported XX/XX/2020. My bank will prove that a check has NEVER been submitted for payment for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
THIS COMPANY IS REPORTING INFOR MATION ON MY CREDIT REPORT AND IS THE WRONG SOICAL SECURITY NUMBER AND WRONG NAME I ASKED THAT THEY REMOVE THIS WRONG INFORMATION AND THEY SAID THEY WOULD NOT DATES XX/XX/2020 COMPANY PENN CREDIT CORP # COLLECTIONS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
Complaint against BSI Financial Services. XXXX XXXX XXXX XXXX, XXXX, PA XXXX We are currently in an active bankruptcy. We received a notice from the BSI Finanial company stating we are in foreclosure and they are no longer excepting payments from us. I called BSI and spoke to a Mrs. XXXX who stated they had been granted a stay of relief and are foreclosing on out property back in XXXX. She refused to provide any documentation to us or our attorney. I contacted my attorney and he stated there is no stay of relief approved by the courts and continue to make our monthly payments. We sent in our XXXX and XXXX payments, both checks have been voided and returned stating we are in foreclosure. 

Today XX/XX/20 I spoke with a XXXX at BSI Financial who continued to state we are in foreclosure and they have been granted a stay, through the courts .Once I pressed her to provide the legal documentation in regards to the stay of relief to myself and my attorney she back tracked and stated that the had not been granted a stay as of yet. I informed her that BSI has been violating the law by using false information and misrepresenting the situation to illegally bully us into a foreclosure during an active bankruptcy. At no point have we sent in a late payment to this company. In no way have we violated our end of this contract. I attached all documentation we have received from BSI. 

-Voicemails are not returned, once get in contact with the person handling your account they state they are looking into it and never get back to you. 
-BSI cashed and processing all checks received, often times 2 months after they were sent. They also stated they did not receive a payment even though I provided tracking information from XXXX stating they received the payment. They also refused auto pay for our account. So we had to continue to send in checks with no statements taking up to 2 weeks to process. 
-Refusing to provide monthly statements, Attorney provided authorization 5 times to send statements directly to our address. 
-Not disbursing escrow payments to homeowners insurance on time. Received cancellation notice for homeowners insurance company. 
-Disbursing property taxes once in delinquent status, request made at 2 different times to disburse tax payment from our escrow account, due in XXXX they were finally paid in XXXX. 
-Receiving collection calls from day one when our loan was sold to them stating we owed back payments for {$17000.00} that were already being paid by our trust as part of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: SC

Complaint narrative:
So in the month of XXXX I sent validation and verification letters to XXXX  and experian asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me 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 2020-01-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I've recently checked my credit report with XXXX, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and Macy 's / DSNB account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But XXXX reinserted the fraudulent Macy's/DSNB account back to my credit report without sending me any note or letter.

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently got a statement in the mail from the collection agency Aldous regarding a blink membership.I had XXXX in the past but paid my balance in full. Aldous collection sent me a copy of the membership agreement, and the name is the same as mine but the address is a completely different address and the method of payment on file doesnt match my checking account. 

This lead me to believe that another XXXX XXXX owes this balance, yet it is being reported under my name. I've tried to work out this confusion with Aldous directly but they were little to no help at all. 

Attached is my receipt from a XXXX XXXX  proving that I paid my balance, and the membership agreement and collections notice I got from Aldous.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
On XX/XX/20 justice Finance in XXXX XXXX tx disclosed my account information to someone who is not authorized on my account the company refuses to stop and calls my references and let them know my payments and account details and calls another office asking about me when my account is current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: GA

Complaint narrative:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , accXXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XX/XX/XXXX , accXXXX XXXX bal- {$540.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX XXXX bal- {$20000.00}, XXXX XXXX, dateXXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, accXXXX, bal- {$460.00} , XXXX XXXX XXXX date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XX/XX/XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XX/XX/XXXX, accXXXX, bal- {$680.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, XXXX, acc-XXXX, bal- {$6.00}

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.

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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I have been contacted about a debt that was originally from XX/XX/XXXX. The original debt was from XXXX XXXX for {$1700.00}. The debt then was renewed for an additional 10 years on XX/XX/XXXX by XXXX XXXX XXXX and now the debt is being represented by Gurstel Law Firm and they are trying to extend it another 10 years and has sent me a letter on XX/XX/XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: SC

Complaint narrative:
So in the month of XXXX I sent validation and verification letters to transunion and XXXX  asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me 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 2020-01-15 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: NY

Complaint narrative:
My husband passed away in XXXX, 2019. He had a XXXX  credit card. I was an authorized user. Now XXXX XXXX XXXX has impacted my credit score by reporting that I am late with the payments. I never used the card after his death. My score dropped over 40 points in one month because of this error. Authorized users are not responsible for payment and should not have their credit affected, especially WIDOWS!!!

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 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
# 1 acct # XXXX {$450.00} # 2 acct # XXXX {$740.00} # 3 acct # XXXX {$400.00} I have disputed these unknown medical collections with letters to the credit bureaus with no response except, verified. 

On XX/XX/XXXX I mailed a direct dispute letter to GLA about a new medical collection, no response? 
So on XX/XX/XXXX I mailed another direct dispute letter to GLA asking for a description of validation on these medical collections that I am entitled to by law, no response? 

Oh yes, and doing much research, the 3 GLA accounts listed above are in violation of the 2015 AG settlement. If medical collections are not updated within 6 months of the present, they are to be deleted. I have attached this also. 

And these 3 collections are past the status update laws!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My auto loan with Navy Federal Credit Union ( NFCU ) was opened on XX/XX/2018. 
Upon review of my credit report I discovered that NFCU was reporting my loan as being paid 30 days late around XXXX 2018. 
I receive SSDI and am paid direct deposit into NFCU no later than the XXXX and every month call them personally so that I can access my pending deposit into my account a day early. They require that any payments owed to them such as my monthly mortgage payment and auto loan be paid in full and made current to do so. At that time, I authorize NFCU to pay those accounts by the representative I am talking to and then I can access my account. 
Despite a lawsuit against NFCU, they continue to limit access to my account when I am overdrawn or a payment is past due. I am redirected to what they call my delinquent account page which is a white screen and limited access to view my accounts. Every single month its the same thing despite being able to look at my account to understand I am paid once a month and have always brought my accounts current. 
I contacted NFCU several times regarding this late payment and am told that I have access to the exact same information they behave and XXXX 2018 is too old to access certain details. I was request to speak with an account rep was denied on my last call. While reviewing my account information I discovered transactions that were confusing in addition to a late fee that is assessed every month and added to my auto loan balance despite that loan being paid usually within what is commonly known as a grace period although it is difficult to find such information on their website. 
At no time over the course of 1 year was I ever informed of a 30 day late payment although I did have that loan adjusted at some point to a lower interest rate and payment because of financial hardship and having excessive medical bills and issues with my spouses health. Currently my account status on my auto loan is current and I have not made a double payment to account for any payments not being made because I would know given my limited XXXX income. If there was a mistake in making the payment then the burden is with NFCU because they are the ones handling the account and the payments at the same time my pending funds are released. 
I also question my escrow account and my FHA mortgage serviced by them. My escrow account was reduced because of Homestead and my property taxes went from {$770.00} annually to {$100.00} annually yet my refund was for only {$210.00}? Taxes were escrowed when I closed in XX/XX/2018 for the {$770.00} tax bill due XX/XX/2018. It was explained that they had to escrow for the lower amount also but should they not have much more in escrow pre-paids as well? No one has answered my concerns despite inquiring twice about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been contacted about a debt that was originally from XXXX. The original debt was from Capital one for {$1700.00}. The debt then was renewed for an additional 10 years on XXXX XXXX, XXXX by XXXX XXXX XXXX and now the debt is being represented by XXXX XXXX XXXX and they are trying to extend it another 10 years and has sent me a letter on XXXX XXXX, XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied to open capital one 360 account online but they declined to open it without any valid reason or provide any kind of reasoning. 

It is a third class bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Trans Union has failed to provide the results of the investigation go my recent disputes.

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a new account on XX/XX/2019 for a personal checking account. I have not had a personal checking account within the past 90 days of account opening. Also I have not received a checking account bonus within the past 2 years. I spoke with SEVERAL Chase customer service representatives and they are making up rules that I am not eligible for a the {$200.00} checking account bonus even though I qualify per the terms and conditions. Chase has not corrected the problem and applied the bonus to the account as advertised. 

Bonus/Account Information : Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of account opening. 

You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ).

Company response to consumer: Closed with explanation