vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: Army and Air Force Exchange Service
State: MI

Complaint narrative:
The AAFES Military Star Card took advantage of me while I was overseas. The company fraudulently took money from me and never posted to my account. I came back state side and found out the account had been charged up over 2,000 and no posted payments have been made. I reported this to the company and I was asked for receipts- there was no way I could get those as I was XXXX and didnt keep any cash exchange receipts. I wanted the exchange to open up an investigation into this in 2014 to which I was told that the only way to prevent this from affecting me is to pay off the whole balance, which I did. Almost 6 years later, they have reported my account as delinquent even when I was told that this would be handled if I just paid off the balance, even though I had already made monthly payments that were not posted to my account, as someone was stealing them from the exchange overseas. Furthermore, they have filed a tax write off when there was NOTHING TO WRITE OFF! They fraudulently steal money, failed to flag my account for missed payments, never sent correspondence and told me that this account is my responsibility. They refused to help their customer when fraud was evident and have ignored every chance I have tried to resolve this. I dont owe them a cent and I paid off an amount twice over, only to be treated this way.

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 2021-01-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Hi I apologize this complaint may not be categorized correctly as I didnt see any more related prompts. 

I checked my credit score and it dropped 73 points, from XXXX to XXXX. I triple checked to make sure I made now late payments, or messed up anything and confirmed I did not. In fact, I got a notification that I paid down my credit card debt which historically has actually increased my score due to a better credit card utilization rate. This seems very odd that such a drop could occur, putting me the 2nd to lowest tier when I was in the 2nd to highest tier previously. Please advise and let me know what or who I should chat with about this. My credit is very important to me especially now when were looking to buy a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was getting pre-approval for a home loan and the credit report came back with a debt collection item of {$520.00} from TSI debt collection services. After calling TSI, I was informed that the collection was required by an apartment complex that I had previously lived at ( XXXX XXXX apartments, XXXX FL ) It had been over threes years since I lived at that location but the apartment complex nor the debt collection agency ever contacted me regarding the debt. The only reason I found out is the credit report which has now become detrimental to the interest rates on two home loans. After reaching out to XXXX and the apartment complex multiple times, I still have not received any documentation on what the expenses are for, nor an itemized listed depicting how the total was derived. I dont believe there are any legitimate claims as I finished my lease as required ; I believe this is a fallacious claim by the apartment management company and a very poor job of research/communication by the collection agency. I simple can not believe that a company can adversely affect my credit by issuing a claim with no documentation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft Someone open a Citi bank checking account using my name social security number DOB and my old address on XXXX XXXX on Tuesday XX/XX/XXXX XXXX Citi bank send Me a check book, PIN number and a letter then on XXXX XXXX Citi bank send me a debt card all these items where send to my old address I never had account with Citi banks and I never open 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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd

Complaint narrative:
Hello Team, I did an international SWIFT USD transfer of XXXX XXXX  ( incl. XXXX in fees ) through the TransferWise 's APP which in the end only received 1945 XXXX and paid nearly XXXX XXXX  in fees which they never notice me as a customer during the whole process that such large fees can possibly occur. I have contacted the company by email and LiveChat resulted in no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: TX

Complaint narrative:
I have a medical collection reporting from XXXX XXXX XXXX  with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my 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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
They are trying to collect a debt from an old apartment. They are saying that the account was opened in XXXX, but I ended my lease in XXXX. The balance is supposedly XXXX but that is not possible. My monthly rent was only XXXX and the complex files for eviction after 30 days late. Lawyer fees for that complex is XXXX so there is no way possible that I owed that amount. Additionally the lease should have been terminated with no money owed because I ended the lease due to military orders. I have sent numerous letters to this agency asking for verification of the account to see how they are reporting this inaccurate information and they will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
They are charging me {$170.00} for an account that was opened. XXXX Knows when. This look fraudulent. it seems someone else bough something from the company they represent. 
I have no knowledge of how this happened and when this happened. My credit bureau was already informed about this mistake. The company says that it is mine and that I need to pay. I told them repetitively times it is not and that is fraudulent, They do not want to fix it.

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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on 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 2021-01-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted carecredit/synchrony bank account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit

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 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I accidently made TWO {$200.00} payments in XXXX which nelnet happily accepted so I assume I owe NOTHING for XXXX since I'm ahead one month. I'd email nelnet myself and ask them but their customer service sucks and apparently only robots reply to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.

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 2021-01-15 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This is not my 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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX 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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

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 2021-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Bay Equity LLC
State: AZ

Complaint narrative:
I have made multiple attempts to resolve my statement issue with Bay Equity directly, and have also requested to speak with a supervisor regarding my concern and have not received any call back I continue to get excuse after excuse.I closed my loan back in XXXX and have not received any statements regarding my mortgage. I have received numerous life insurance offers from Bay Equity in the mail, but not my statements. When I called on XX/XX/XXXX to make a payment and question why I have not received any statements the explanation I was given was that Bay Equity had the address for the apartment that was on the loan application, which I then explained was incorrect the mailing address is the property address of the home I purchased, according to the agent this was then corrected, however I continue to not receive statements in the mail. I continue to question this on the following dates XXXX and the latest call was on XX/XX/XXXX. I am very concerned because I know my escrow will be ran soon and I will not receive any statement with the option to pay my shortage, resulting in a higher mortgage payment. Please help me resolve this issue that I have tried to resolve multiple time with Bay Equity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: U.S. BANCORP
State: TX

Complaint narrative:
A charge was made on a card at a hotel at a XXXX XXXX  on XX/XX/XXXX. I shredded the card I had in XXXX and never received a replacement card nor have I ever used the card since XXXX. I disputed the charge and they sent a letter saying that the charge was verified using a chip therefore I was responsible for the charge. They provided no evidence that I used the card. I later found that the card was used in XXXX XXXX Texas. I was working in XXXX Texas the day the card was used, which can be verified through my employer, and I filed a police report with the XXXX Police Department ( report no. XXXX ) providing a sworn statement that I had no knowledge of the charge nor did I authorize the charge. I also provided a statement that a card may have been stolen through the mail. The credit card company has continued to not consider this information and I can not get anyone to return my calls to resolve this dispute.

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 2021-01-15 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable! Please remove!

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 2021-01-15 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: GA

Complaint narrative:
Equifax, XXXX  and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
XXXX, XXXX  and Experian are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX 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 2021-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Our mortgage is through PHH Mortgage Corporation. We made several attempts to apply for what the company calls " Mortgage assistance ''. The requested information was sent to the company each attempt. We then waited for a response. Several weeks passed and there was zero attempt to contact us. Later we received a letter stating that PHH did not receive all needed information and the request was denied. Due to the companies poor communication, we never received a letter or telephone call to inform us that more information was necessary. This issue occurred upon both attempts to apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am victim of identity theft. Seems some accounts were opened in my name and are reporting on my credit reports. I took action by creating and submitting an identity theft report. I then submitted it to the credit bureaus and for a few months the fraudulent accounts were removed but to my dismay are now reinserted. Here are the listed account opened dates and outstanding balances 1 ) opened XX/XX/2018 ( {$11000.00} ) 2 ) ( {$21000.00} ) 3 ) opened XX/XX/2018 XXXX {$9000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I have filled multiple ftc identity theft reports and I also told this company that the debt does not belong to me. I even sent the company the ftc identity theft report. this account is still reporting on my credit report, without sending me any validation of this debt. I'm asking for this company to remove this from my credit report as it it preventing fee from getting a house

Company response to consumer: Closed with explanation