vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX   XXXX & XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER 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 2019-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received an email on XX/XX/XXXX from BOA indicating that there finding are correct on my credit report. The account is closed for year still shows open on current report. They are saying that a unsecured line of credit account ending in XXXX was opened on XX/XX/XXXX, and is charged off as a loss to the bank on XX/XX/XXXX. Could they show the paperwork where I signed for this account with BOA on XX/XX/XXXX. I know this to be wrong I never open this account with BOA? Please show original documents to this account?

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Received a collection notice from XXXX XXXX in regards to a XXXX bill that was not owed due to no contract with XXXX or XXXX. Debt was disputed to XXXX XXXX and even though the consumer Financial Protection Bureau # XXXX. Debt was resolved and account was closed. XXXX XXXX later forwarded this debt to ANOTHER collection agency : CBE Group , inc. which they are now attempting to collect the debt not owen under CS # XXXX. This debt is not valid and in violation of the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: LA

Complaint narrative:
I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a DNA test and the child was 100 % not my child after years of paying support. The XXXX   Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another XXXX child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. XXXX Child support, XXXX, XXXX and TransUnion, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.

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 2019-03-22 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: LA

Complaint narrative:
I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after years of paying support. The Louisiana Department of Child  support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, XXXX, Equifax  and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: KS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
I challenged XXXX and XXXX to remove the below dispute and both did ( see example below from XXXX. However, as of today, it's back on my record. To make matters worse, I attempted to dispute it 5 times via their online site and it didn't work. Then I called them, and when I finally spoke to someone in the XXXX with a heavy accent that was difficult to understand, they hung up on me. So I called them again, and again they hung up on me. Mind you, I was not rude or angry in either case. They blamed it on their " Signal ''. They're a bunch of thieves! 


XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$150.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reason Ownership : I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: NC

Complaint narrative:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, Experian, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX  or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX  that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

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 2019-03-22 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: GA

Complaint narrative:
I believe that I have been victim of Identity fraud. I am writing to dispute an item that appeared on my credit report. This account was opened in XX/XX/2014. I made several attempts to remove this item. It was removed then reinserted into my credit report without proper notification.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, my credit card ending XXXX has a credit balance of {$5300.00}, requested capital one to refund since then. 

the request was never handled properly so as of today i have not received my refund. 

On my phone call last week, the customer representative apologized and said " they dropped the ball '' for not processing this correctly. and the customer service GUARANTEED that due to the mistake, they will transfer the balance directly to my debit balance account. 

One week after today, i have not received the money nor a follow up call. So i called again only told that they sent out a check for the refund, when i question how my complaint can be heard, the customer service XXXX ( employee ID XXXX ) told me the complain is handled by " HIGHER UP '' can i can not talk to them. 

When called back again, another representative put me on hold for 17 mins until i hang up, when i specifically requested to be transfer to someone who can handle the balance transfer to me today. 

As if XX/XX/19, my money is no where to be found and somehow on capital one 's credit card account, it shows the balance has been refunded to me. Scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I consolidated my loans with a third party that turned out being fraudulent. They falsified my information, saying that I had kids that I didn't have and was making {$0.00} ( I am a full time XXXX ). My payments to them each month went no where, as it says on the XXXX XXXX website that I have no payments made to my loans. They changed my email, phone number, and address to their information so I never heard that I was delinquent and behind in my payments from the Department of Education. I have filled out a complaint previously with a liaison of Congressman XXXX XXXX. The fraudulent company has switched their name once since I have been paying them and it is now called XXXX XXXX XXXX. It used to be called XXXX XXXX XXXX. I paid {$61.00} a month with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CORELOGIC INC

Complaint narrative:
Corelogic/Credco has false and untrue information on my credit report which I had advised the 3 credit reporting agencies and Fico, months ago, was false and untrue. 
I was denied credit because Corelogic has a foreclosure, by XXXX XXXX XXXX   listed, which never happened. I have a Federal Court ruling stating that the XXXX foreclosure was false and untrue. I have sent a copy of this court ruling to XXXX, XXXX, and XXXX. It appears that that hey did not remove this false foreclosure from my credit history. 
If you will go online, and type in " All XXXX foreclosure are fraudulent and scams '', you will find that it is true, and that there are countless class action lawsuits against XXXX, one with 82,000 class members.

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 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX. XXXX of The Law Office of Harris and Zide regarding a XXXX XXXX XXXX account ending in -XXXX. I responded on XX/XX/XXXX requesting debt validation of the XXXX XXXX XXXX  account ending in -XXXX specifically with proof that I am indeed the party that The Law Office of Harris and Zide are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I specifically requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX, I received another correspondence from XXXX XXXX. XXXX of The Law Office of Harris and Zide providing no authentic XXXX XXXX XXXX debt validation ( i.e., XXXX XXXX XXXX  credit card statements, original XXXX XXXX XXXX credit cardholder agreement, etc. ) or other detailed debt validation - actually, no debt validation whatsoever. I am filing this complaint as I believe XXXX XXXX. XXXX of The Law Office of Harris and Zide has violated my federal rights under 15 USC 1692g Sec. 809 ( b ) of the FDCPA along with the California Rosenthal Fair Debt Collection Practices Act. Lastly, I believe XXXX XXXX. XXXX is misrepresenting himself as practicing under the guise of a partnership of The Law Office of Harris and Zide when this company is not registered under California Secretary of State 's Office as a legal, practicing entity. XXXX XXXX. XXXX, advertised as Founding Partner, has been deceased since XX/XX/XXXX ; XXXX XXXX XXXX advertises himself as the Principal and Owner of The Law Office of Harris and Zide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: KS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: KS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: NY

Complaint narrative:
I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.

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 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Lakeview Loan Servicing is overcharging my mortgage escrow account by hundreds of dollars monthly. For the past few months, I have asked Lakeview Loan Servicing to do an escrow analysis of my mortgage payment and they continually ignore my requests. I have provided all the appropriate information and forms and they have not acknowledged receipt. 
They continually reply to my emails with a statement that says we will respond within 5 days and they do not respond, ever.

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 2019-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
In XX/XX/2016, I took out a loan of {$2100.00} From XXXX. At the time, I was not made aware of the interest rate, which is 64 %. Three months later, I entered into credit counseling, which included this account. They accepted the agreement, as evidenced by the attachment showing them accepting the payments as other. However, they are not adhering to the credit counseling agreement. They say that I still have a balance of over {$2000.00}, after paying {$2700.00} so far.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I paid my monthly statement, but its showing as debt carrying over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America explained to me that they have a contract with XXXX and XXXX which means if any of the banking customers are members with XXXX or XXXX they will pay the membership fees no matter if you have enough funds or not in your account ... .this is a problem I reported to the XXXX office and someone from BOA was in charge of the investigation who not only waived the fees but promised this would not happen again ... 
Well it happened again. I am a member of XXXX and they use my debit to withdraw a fee in the amt of XXXX each month ... .I switched my billing preference to my credit card two months ago and not my debit card during my complaint with XXXX. On XX/XX/19 BOA allowed a charge to go through to my checking acct which put me in the negative ... .the day after they charged me a XXXX NSF fee ... .I asked why were they allowing charges to go through to my debit card when it should be declined ... .I also told them that I stopped XXXX from using my debit card months ago ... .they could not provide me with an answer so I asked for a manager ... manager got on the line and told me he was not waiving the fee and he suggested I open another checking account that meets my needs ... I asked him how dare he try to strong arm me into another acct and disregard their illegal fee games for company gain. ..please tell me how I can start a class action law suit

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