vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 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: NY

Complaint narrative:
Experian has refused to update two accounts on my report though they have been notified of inaccuracies. One account, my XXXX account, reported a recent 30 day late in XXXX. This was a mistake and XXXX notified all three bureaus of the mistake. XXXX and Transunion have updated my balance on the account and removed the 30-day late notation. Experian STILL has not updated the balance of the account or remove the 30-day late. It is reflected as a delinquent account and this has tanked my score. Further, a collection company who does not have the authority to collect a debt it claims was owed ( I paid the original creditor IN FULL ) reported that the account was in collection. I disputed this with Experian and the result of the dispute was " the company that reported the information has certified to Experian that the information is accurate. '' Experian did not conduct a full investigation. If it did, the account would have been removed or, at the very least, reflect a {$0.00} balance as no debt is owed. The collection company XXXX XXXX XXXX has acknowledged that they have no authority to collect on that debt and that it sees a {$0.00} balance is owed to the creditor, so they would have informed Experian of that IF Experian bothered to contact them. This is proof that Experian has not conducted a proper investigation. It is not fair that delinquent reporting can be done so easily, but us consumers have to jump through hoops to correct valid inaccuracies.

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 2019-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Moneydart Global Services Inc.
State: MI

Complaint narrative:
I did transaction of 1500 $ with XXXX. The amount deposited was less than the promised amount. The conversion rate used was less than what it was shown on the final transaction conversion page. They never sent email saying how much amount in XXXX will b deposited and looks like they take advantage of this. Contacted customer care and still waiting for resolution. They said it will b resolved. Will update. Its nearly a month and they keep giving unnecessary reasons. I did transaction on XXXX XXXX. The conversion rate shown was XXXX and it was displayed after the transaction was submitted from my end for which I have a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Ability Recovery Services are reporting on my XXXX  account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX  account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to me.

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 2019-03-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I received a copy of Equifax report # XXXX I noticed inquiries on my report past the two year date. XXXX XXXX XX/XX/2017 & XXXX/XXXX the rep claimed she does not see it. So I am filing a complaint to have this invalid data removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: VA

Complaint narrative:
XXXX XXXX has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached Equifax report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them. 
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance. 

My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My issue relates to a fee that was assessed for a service that was not rendered and which, according to the bank, it does not even have the capability to provide. When I explained all of this, they still didn't remove the fee, although agreed that no service was rendered nor could be rendered. I spoke with BofA agents XXXX, XXXX, and XXXX in XXXX New York regarding a {$30.00} stop payment fee on XX/XX/19. The fee was in regards to a request to stop payment request on a certified bank check. 

I made the request online. When I didn't see the funds from the certified check show up in my account, I became concerned, and I called the bank. XXXX, XXXX, and XXXX informed me that stop payment requests can not be processed on certified checks. I said no problem, but since you haven't provided a service and in fact can not ever provide that service per your bank 's policies, then please return the {$30.00} fee ( I can't pay a fee for no service ). If you can't do something EVER, then you should NEVER charge customers for that, because they don't know your company 's internal policies, and I tried to do business with BofA in good faith. 

They all lectured me, argued with me, and told me that fee was acceptable per the fine print of the terms and conditions. I feel tricked, I feel disrespected. I have been a customer for 14 years with Bank of America, and I will now be leaving that bank. Ridiculous.

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 2019-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with Well Fargo in years past.. The Washington State Attorney General suggested I filed a complaint with Wells Fargo new attorneys.to the Washington State Bar for fraud on the court and class B felony for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX were forced to close in XXXX because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from Wells Fargo to XXXX XXXX XXXX. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.

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 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Best Buy Citi Bank visa, on XX/XX/XXXX I expressed mailed a check ( {$1200.00} ) from a 3rd party account to the KY office which is the express delivery address, the envelope was received by an individual as it was stated within the USPS tracking information, payment was processed on the XXXX, mind you, not applied to my account, the information on the check maintained my address but not the account #, I called several times, finally having spoke with someone who found the check, identified it using the my address and the check #, said it would be applied to my account, that was 3 weeks ago, after speaking with another manager from the KY office a week ago, they told me that it could be up to eight weeks before the already deposited funds will be applied to my account! Concerned Consumer, they had the tenacity to tell me that I needed to make a payment towards my account so that it would not be passed do!

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 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I received a collection demand letter on XX/XX/2019 advising me a past due balance had been referred to them for collection. I disputed this debt in writing XXXX copy attached ) on XX/XX/2019. I specifically asked for the original contract agreement, statement of all charges/payments/adjustments regarding this account. On XX/XX/2019, I received another letter from the same firm offering me payment options, after I had already disputed the debt in writing. I also had several phone calls from this firm, which I ignored as I knew I had disputed the debt in writing as required. I received another letter dated XX/XX/2019 where they sent documents pertaining to said account. They only sent a monthly statement, Affidavit of Sale of Account by Original Creditor, Blanket Certificate of Conformity for Notary XXXX XXXX, a Bill of Sale and their Purchase Price Reconciliation/Funding Instructions. I again, sent a letter of dispute dated XX/XX/2019 advising them I still have not received validation of the supposed debt. ( copy attached ). I advised them I was a victim of identity thief and sent copies of my Complaint Referral Form, Internet Crime Complaint Center. I again asked specifically for a copy of the original contract or application, statement of all charges/payments/adjustments regarding this supposed debt. Then, on XX/XX/2019 I received a notice from the XXXX XXXX XXXX XXXX where this firm has now filed a lawsuit against me for a debt I have continually disputed. Then on XX/XX/2019 I receive a package from this firm. ( copy attached ) They sent the same exact items as in their letter of XX/XX/2019. I still dispute this debt. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
First Issue is that, when pulling my report, I only received a report from Experian. I DID NOT receive reports from the other two. ( XXXX  and XXXX ). 

Second issue is with Name. Every since Ive been XXXX XXXX XXXX, Ive NEVER used XXXX XXXX which is included in the Experian report. AND ... 

Is there a reason as to why I wouldnt receive a report from when I was XXXX XXXX ( maiden last )? 
To clarify, I did not receive any reports for the years earlier than XX/XX/XXXX or when I was XXXX XXXX. 

Thirdly, under Addresses, I have never lived in Oregon, yet there is an Oregon address on my report. Why? 

Is there a reason as to why my Report only dates back toXX/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 non-monetary relief
Consumer complaint received 2019-03-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute with Chase around XX/XX/XXXX about {$220.00} charge from XXXX. The reason I filed the dispute is I returned everything in store face to face but XXXX didn't refund me. And I kept the return receipt as the supporting document. Chase got response from XXXX saying they never got my return so Chase asked me to provide the return receipt. This is all acceptable and understandable. I did send the return receipt to the email Chase provided right after they called me. But then they called me saying they still haven't received anything from me. We confirmed the email address again and I told them I would send the email again which I did right away. I also told them to call me back if they still couldn't get it which they didn't. Instead I got a letter from Chase on XX/XX/2019 asking me to provide the document again. I was trying to upload the document through the secure messages but I couldn't due to their website technical problems.Then I emailed again and called the dispute customer service again asking about this. They asked me to fax it. I faxed two times in the morning on XX/XX/2019. Then I also called them to confirm if they receive it or not. Shockingly, they still told me they haven't received anything. On XX/XX/2019, I called Chase dispute service twice. First time the lady told me they still didn't see anything from me but second time another lady told me they got my fax. However, on XX/XX/2019, this guy from Chase called me again telling me they are still waiting for me to provide the document and told me they haven't got anything from me. I am so upset and frustrated with all this inefficient communications. I am the one being cooperative and keep calling them and sending them the documents so many times. But instead of checking through its own process, Chase only knows to call me and keep asking me for the documents that I already provided by fax or email. This is really painful to me and really unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC Business services has called me multiple times. Every time they call I try to make arrangements TO PAY AND RESOLVE the debt. They will gladly setup a payment arrangement but refuse to give me any paper work on the matter. They said if I would make a payment arrangement and pay it on time that it would not go on my credit. When I ask for said paperwork stating those facts they refuse to give to me repeatedly. They say that is not something that they do and that I should take their word. I did a lot of research before dealing with this company and their word does not have a good reputation. Im not providing them with any further information or payment without a written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: IL

Complaint narrative:
The company below posted this collections account to my credit report. The company has never contacted me to dispute. I have a right to receive the debt and be given 30 days to dispute. I was not given a chance to dispute. This dept is not mines also. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview

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 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX I contacted the law office of Patenaude and Felix APC, and spoke with a representative. I found this was regarding my former business with a target account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called Patenaude and Felix APC. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. Patenaude and Felix APC charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called Patenaude and Felix APC maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX  charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.

Company response to consumer: Closed with non-monetary relief