vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
While viewing my credit reports I noticed a negative mark from the following company Portfolio Recovery who I have never done business with. 
For One I do not have a contract with this company, second this company has never provided me any funds, money, property etc which I would owe a debt to them. 
Portfolio Recovery has caused me great harm by reporting unverified, inaccurate information to the credit bureaus. Which is a violation of FDCPA 15 USC 1692g. 
This company has never provided any proof of debt or transaction between myself and the company but they are reporting to the credit bureaus negative information. I also never gave this company consent to my personal information to used to try to gain a profit, Which is also identity thief. 

This company has stolen my identity for profiting purposes and violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been sending correspondence to TransUnion since XXXX XXXX, 2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XXXX XXXX, 2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have called Transunion, XXXX and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/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 2017-09-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have called XXXX, Equifax and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX, Equifax and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and wellsfargo is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

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 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. Please Help!

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 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?

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 2017-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Since Equifax security has been breached by an unknown Hacker or Hackers, it would appear that my personal and financial information is in jeopardy. In an effort to secure and protect my identity, I have attempted to put a Security freeze with Equifax on the financial information of myself and my spouse. I have attempted numerous times to enroll online with Equifax. Each attempt has been rejected by Equifax. I have attempted to call Equifax ( XXXX ) and have been rerouted to a telephone number that does not pick up. I was able to enroll with XXXX and XXXX for a Security freeze without any problem. It would appear that Equifax has failed to securely safe guard my and others personal and financial information and further engages in a deceptive manner while I attempt to place a Security freeze on my and my spouses personal and financial information. I have lost all trust in Equifax and would ask that an investigation be conducted regarding the business practices of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted an original complaint ... and the company, Capital 360 responded ... .saying they are UNABLE TO RELEASE MY REMAINING funds ... and YOUR company said ... '' uh ... .okay ... I guess we can close this complaint ... duh ''!!!!! 
What the XXXX is wrong with YOU and CAPITAL 360? 
I have PROOF of the funds being pulled from my boss ' payroll account..I have proof that they are still KEEPING my funds after a MONTH!!!! 
CAPITAL 360 CFFB CASE # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.

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 monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: PA

Complaint narrative:
Our mortgage just recently got sold to Selene Finance from XXXX XXXX XXXX, when confronted with XXXX XXXX XXXX told us we have no say in the matter, that nothing will change on our contract on our modification when Selene takes it over, well here we are the second month they have sent us and our PMI insurance went from XXXX to now XXXX. When you call them you can not get connected to speak to anyone. Can you tell us what to do now, since we have been contacting you about this issue for the past 4 to 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Over the past 3 days I have input my information into the place a freeze and all but once they can not process the information, try later. Finally I got past that point and they recognized my record and stated need to pull more info up - and then popped up the message can not process the information, try later. Tried later, got to second screen and it is asking me to clear a freeze when their system has never allowed me to place a freeze. And if their system believes it has a freeze - I have not created any passcode or method to unfreeze it so I need help. Try calling for help and get stuck in auto voice XXXX - The credit service that caused us to have to do this can not get it done - got the other two done in 10 minutes total time - pushing 4 hours with Equifax. They should have manpower setup to help resolve these issues as I can see from the web that they are totally failing the consumer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been paying capital one my payments are getting reversed and the money is not going back into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. 
Payment was made thru a XXXX XXXX Bank account given by this company call " ALSO XXXX XXXX '' and was reversed three weeks later. 
Bank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! 
Bank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. 
This had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. 
Bank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. 
All sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. 
Again, XXXX XXXX XXXX do not owe Bank of America any monies. 
The gifts cards were all consumed by the thieves per XXXX 's security department. 
Bank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. 
XXXX XXXX XXXX do not owe Bank of America any monies.

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 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account at a local Bank of America in XX/XX/XXXX. I began asking for an ATM card once the 30 day temp card was expired. I placed 3 request for a card over the course of a month and never received a card. On XX/XX/XXXX I sent another email to my bank representative XXXX explaining that I was leaving the country and needed access to my funds. She reported she would send me a card express. The card never came before I left and i sent her an email stating this. Once I reached XXXX, I received a text message from the Bank of America saying there was an attempt to use my bank card at a XXXX XXXX on the XX/XX/XXXX and I immediately replied NO as the text requested if I was not the individual making these transactions. I also called the bank at XXXX and told them to I was in XXXX and this was in no way me. The representative asked if I wanted another card sent to me and I asked that he stuff the account down and I would handle it when I returned to the country. Upon returning home I immediately went to the bank. I was told to file a claim I told them I did that with the first representative on XX/XX/XXXX. They had no record so I filed another claim. I then returned home and opened my mail. There was a letter in the mail from the US Department saying I had been a victim of a crime and three individuals were caught with my information. I immediately went back to the bank and offered XXXX a copy of the document from the government. The bank told me I would have resolution in 10-15 days ( XX/XX/XXXX ). This day came and I was not given my funds back ; I was given another resolution day of XX/XX/XXXX. I went to the bank again today XX/XX/XXXX and I was told I would get resolution in another 30 days. This is unacceptable behavior from this institution as I have done everything they have asked of me and yet my funds have not been returned and this is going on a 3 month episode.

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 monetary relief