vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company closed my account after 1 payment was returned due to account frozen. Account was frozen due to unauthorized activity and I asked the Bank to close it. I was asked by XXXX XXXX  to step inside branch and open/change account number. Citi, closed my account because autopay payment was returned. Mind you, I paid my monthly payment one day before from my new account from XXXX XXXX. Autopay went thru when wasn't supposed to and payment returned. I did pay my monthly payment and I did change my autopay info afterwards. Bank based their decision solely on 1 returned payment they didn't even call, text, or email to verify. 
Someone closed my account without base or grounds of violating contract and for away with it. I want the company to reconsider the fact and reopen my account and to stop all reporting to credit bureaus that affects my score ( account closure )

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 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
For the month of XX/XX/2020, only, I had no revenue from renting the spare room which covers my mortgage. I reached out to a charity organization and they paid {$550.00} of my {$700.00} XXXX mortgage payment the payment was received by PHH mortgage actually three days early and the rest of the payment of {$150.00} was received on XX/XX/XXXX, paid by myself. Instead of treating this as a normal on time payment that was sent in by two sources instead of one, they decided to take the {$550.00} and use it to pay a late fee of $ XXXX thats been on the account for 12 years. ( I will pay this $ XXXX fee on the back end since its not accruing interest or late fees. ). PHH has been aware of this for some time. Now is not the time for PHH to try to do a money  grab. They also charged me another {$77.00} in new late fees for a the payment wasnt even late, yet. I asked them to make the necessary corrections but I see they have not done it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
The amount for XXXX at {$300.00} was reported paid off at 21 %. The company ERC XXXXEnhanced Recovery Company is trying to collect this account at {$300.00}. I have paid this account already and know it is showing up as full balance on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a payment late due to confusion with the due date as well as personal circumstances. When I made the payment, I asked for the fees ( late fee, interest charge ) to be removed as a courtesy and this request was approved. However, when I checked my statement, I only saw the late fee refunded and {$1.00} of the full interest charge refunded. When I called again, the representative said there was nothing else that could be done for me, even though this prior understanding was reached.

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 2020-10-04 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 — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates Vintage XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. CONSUMER PORTFOLIO SERVICES INC. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to CPS the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission XXXX Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops XXXX this month and XXXX points last month because of late payment made by my wife whereas her score drop XXXX to XXXX points on XXXX  because of C.P.S.. When i spoke with Consumer Portifolio while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
Greetings, to whom it may concern, I XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate XXXX XXXX XXXX. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at XXXX recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF SURETY ACT & BOND No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF SURETY ACT & BOND NoXXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am not able to obtain a free credit report from Equifax and the mortgage program Im using also has not be able to obtain a report either. Ive sent a certified letter to Equifax with a copy of my license, SSN card and a copy of a utility Bill and Im still unable to get a copy of the free report. I am however able to get a copy when I pay for their reporting services. Ive also call and spoken with Equifax, customer service and they can give no explanation as to why Im unable to obtain my report but they did offer me to use their reporting service. This is hindering my ability to purchase a house or anything I have no idea if the reporting is even accurate and I am not able to get a report without paying for the report. It not also not available on any of the few reporting services and states it has not been updated since XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

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 2020-10-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

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 2020-10-04 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: CA

Complaint narrative:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing placed an invalid collection on my credit report without any notification. I do not owe this debt. I disputed this numerous times with the credit bureau. I did not receive a response from Convergent Outsourcing and the collection account was not removed from my credit report. I then filed two complaints directly with Convergent Outsourcing on XX/XX/2020 and XX/XX/2020 and have received no response to those either. I am attaching documentation.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Car insurance paid on XX/XX/20, charged {$35.00} overdraft fee. Completely unrealistic because direct deposit credited to account prior to XXXX on XX/XX/20. Why does Bank of America insist on being so XXXX with low income people especially during this time?

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 2020-10-05 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:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
for over a year now I have been trying to get a bankruptcy taken off of my credit report because I have never filed a bankruptcy in my life. my son has filed several times but I don't have anything to do with that. Its not me, I have tried to get this issue taken care of several times but Experian will say that they have requested the information from a 3rd party investigation service which is XXXX XXXX. I have found out that Experian has not requested the services of XXXX XXXX in over 6 years and are simply rereporting what they had with out doing a investigation in the first place. I have a full XXXX   XXXX  report and it clearly states NO BANKRUPTCIES! I have been a victim of identity theft and i need help to fix this problem.

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 2020-10-05 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:
IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
my name is XXXX XXXX. I have already notified this bureau several times that I was recently a victim of identity fraud. I let equifax know and I disputed the accounts that were fraudulently reported to my credit and Equifax has not taken action to remove these accounts. I have provided all the necessary documents and they have still violated the FCRA 605 B AND 611

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
Greetings, to whom it may concern, XXXX XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ),  all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a  ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate 31 USC 3729-3733. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at www.pulaskiclerk.com recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF XXXX XXXX & XXXX No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted TransUnion, XXXX as well as XXXX   with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XXXX, XXXX, 2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

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 2020-10-05 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:
IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE 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 2020-10-05 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: CA

Complaint narrative:
IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: OH

Complaint narrative:
See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

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