vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: Synovus Bank
State: VA

Complaint narrative:
Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. 

I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. 

XXXX XXXX  has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: MI

Complaint narrative:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a state employee, working for a college, i take my finances serious. I'd like for this information to be removed from my profile.

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 2019-01-30 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:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TRANSUNION AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TRANSUNION AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2019-01-30 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: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2019-01-30 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: NM

Complaint narrative:
XXXX XXXX- XXXX is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal 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 explanation
Consumer complaint received 2019-01-30 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: NM

Complaint narrative:
XXXX XXXX- XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal 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 explanation
Consumer complaint received 2019-01-30 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: MI

Complaint narrative:
1 ) I noticed fraudulent transactions on my credit card ending with XXXX on XX/XX/XXXX. The amount in the fraudulent transactions were : {$7.00}, {$370.00}, {$1.00}, {$23.00}, {$33.00}, {$1.00}. I immediately reached out to the bank ( Bank of America ). 

2 ) They canceled my credit card and issues me a new card and took the charge off my credit on  XX/XX/XXXX. 

3 ) In about second week of XX/XX/XXXX, I received a letter of Bank of America stating that I had benefited directly from the transaction ( s ) made on the account.As a result, I will be responsible for the balance on account. 

4 ) I contacted them again stating that the I never did the transaction and I don't agree with their review. They told me that they will investigate again and I will see the charge taken off my credit card after about two weeks.

5 ) Today i.e. XX/XX/XXXX I contacted Bank of America again through phone inquiring about the review and I was told that they have confirmed that the review done by them was correct and they will not take the charge off my credit card.

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 2019-01-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Notified my mortgage lender several times in XX/XX/XXXX that past payment history has not been updated since XX/XX/XXXX. Both Equifax and XXXX  shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I sent money to my daughter on XX/XX/19 via Moneygram. I received an email at XXXX XXXX  stating transfer sent and ref # XXXX. My daughter went to pick it up around XXXX XXXX  on XX/XX/19. She called me and said the transaction had been cancelled. I said let me log in and see what is going on. I could not log in to the website and I still can not log in to the website. I have screenshots from two different web browsers showing the error. I finally was able to track the transfer with the ref # but it just said cancelled no other information. I call Moneygram and was told Moneygram cancelled the transaction and will not give me any further details due to security purposes and that I will never be able to use Moneygram services ever again. I can expect my REFUND in 3-10 days. ABSOLUTELY UNACCEPTABLE. If they cancelled the transaction due to security reasons and reasons they won't  tell me, they should not have touched my money. The transaction was cancelled, therefore the authorization to access my account was also cancelled. I want these thieves held accountable and this pursued to the full extent of the law. False advertisement of a service they could not deliver, theft of funds from my account, withholding the reason why my transaction was cancelled but my money was still taken. I am also filing with the Attorney General. I need to know who to contact to file theft charges and damages for their deceptive practices. I want to hear from someone on this complaint - I have filed a complaint before and no one ever contacted me so I doubt it was ever investigated. The thieves in this country need to be held accountable just like with any other criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fair Capital
State: NY

Complaint narrative:
I got a phone call on XX/XX/2019 saying that I have debt ( {$300.00} ) owed to XXXX XXXX XXXX, which I never visited before. The representative says she is from FAIR CAPITAL LLC. XXXX License # XXXX XXXX. 

The company also knows my personal information, so I'm afraid it is either a fake debt collection company or it is a real one that steals my personal information to scam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX  reduced our escrow account by an additional {$4300.00}, showing it was to pay  PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company,  where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX  again to inquire about this issue and the customer service rep could not explain the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
I've called numerous times. Many of these were removed from my credit and seems to reappear. I've mailed a letter over 40 days ago. When I contacted the customer service department they refused to help me. They advised that I try RESENDING my mail again because they do not have it. They could not offer any more help or advice. They refused to dispute any of the incorrect inquires on my profile. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I overdrafted a bank account years ago. For about roughly 1200.00 . It was XXXX XXXX. They closed the account and on my credit report it was put into collection but was marked closed at consumers wishes. It said I had XXXX $ in collection but XXXX  was due at the time. There was never any agreement worked out or anything. XXXX XXXX  ended up selling the debt to a lawyers office called XXXX XXXX XXXX. I have been harassed brought to court, have received over 30 letters and its still an on going matter. Im a single mother and Im doing the best I can. Im not in a position right now to pay that debt. However this lawyers office will not leave me alone and I dont know what to do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.

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 2019-01-30 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: TX

Complaint narrative:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Thank you XXXX XXXX enclosed is a copy of the credit report that you show as owning from Experian, I have disputed with Experian and they state the company listed { you } validated the account you are validating an alleged account that you do not own and reporting on it. you stated in case XXXX you do not own this alleged account and you can not do anything on credit report, { then how can you report and validate this alleged account that you state you do not own Experian state you validate alleged account, please remove the account with your name and stop reporting on an alleged account you do not own

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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
The debt I'm alleged to owe is XXXX from XXXX XXXX. XXXX XXXX  abruptly canceled my home owner insurance because of my roof. However XXXX XXXX denied me time to hire a roof contractor to look or even repair my roof if need be. This was due to the weather as to why I need and requested an extension for someone to see if I need roof repair. 

XXXX XXXX cancelled my home owner insurance on XX/XX/2018. I was then told that my insurance was covered till XX/XX/2018 and I did not need to pay any more when my insurance is canceled on XX/XX/2018 from XXXX XXXX. This was told to my spouse XXXX XXXX   local agent and corporate headquarters. Now i have been put in collection without being told by XXXX XXXX prior to being put in collections. Plus I was told that I do not owe any more money. Now Im being threatened by this collection agency to pay money that I do not owe. I received Spam virus phone calls from the collection agency all day and night. The Credit Collection Services continue to Threaten to report me to the credit reporting agencies if I dont pay now. Also Previously I have been with XXXX XXXX for over 20 years, and am very disappointed with the current events with my Home owner insurance policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation