vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: TX

Complaint narrative:
showing XXXX XXXX never been inaccurate information FCRA violaton must be removed How can Equifax tell us we can not get helped by a 3rd party  with theyre licease and experienced?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Told company by phone that this is not my debt. I have never done business with LVNV Funding managed by Resurgent Capital Services at XXXX on XX/XX/2019. 

They don't care that I do not have a written signature contract with them. I do not owe this company and they need to remove this from all credit reporting agencies and my reports and never be able to put this back on their again or try to call me or send me mail again. 

If they try to sell this to another company this is fraud as I will not owe that company either. 

Do not ever Call me repeatedly or/and mail letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: PA

Complaint narrative:
Alltran Education , inc . 
XXXX. XXXX XXXX, XXXX OK XXXX XXXX Is ridiculous. SCAM company. How do they have authority?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech is suing for foreclosure without legal standing. They claim to control the underlying debt ( Note ) but I have correspondence from Ditech that they are " merely '' a servicer. 

I feel this this a deceptive, fraudulent misrepresentation of a company that is simply a servicer of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The following inquiry needs to be DELETED immediately : Capital One Inquiry Date : XX/XX/2019 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof within 15 days immediately of any or one, I would like it DELETED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After researching the offerings of all of my credit cards, I found that Capital One is the only one of my creditors that offers a 0 % Foreign Transaction Fee. As such, I needed to request a credit line increase as I will be traveling to a foreign country and will potentially need more funds than I have available, which is {$5000.00} USD. After calling Capital One and learning this process needs to be completed by me and not one of their representatives, which is customary, I learned they require a " soft pull '' of my credit report. At the time, and to date, I have a nearly 800 credit score with a perfect 13 year payment history with Capital One. I come to find in the mail, about a week later, that my request was denied for several reasons. ( 1 ) The account has not had enough recent payments to establish a recent payment history and ( 2 ) recent use of this account 's existing credit line has been too low. What these declination reasons tell me is that my spending habits don't require the use of credit and that I can afford my lifestyle. Shocking! An American who is NOT dependent on credit. To refuse a credit line increase to a customer, like myself, with a 13 year history of perfect payments, of which included a credit report, is an " unfair business practice '' ... and quite ridiculous! If, in fact, this business decision was made, as Capital One would have you believe, based in part on my credit report, then the credit line increase should have been granted. I would have even been satisfied if perhaps a lesser requested dollar amount was approved. However, to flat out deny me access to credit when I've spent 13 years proving my credit worthiness is an " unfair business practice '' that will NOT go unreported. Furthermore, the inability to appeal this decision is again, " an unfair business practice '', and requires CFPB intervention. I've spoken to several customer service associates regarding my credit limit declination and lack of appeals process on XX/XX/19 at XXXX PST ( pull the recorded call ), which included a very combative supervisor, who literally said " nothing can be done for you ''. I'm horrified that excellent customers like myself are being turned away with absolutely no recourse to appeal a blatantly biased and improperly substantiated business decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: CA

Complaint narrative:
On XX/XX/2019, I noticed a new collection showing on my XXXX credit report. I called them to find out what it was for, and they stated it was a water bill for a home in texas. I did live in XXXX XXXX Texas so I did recall the bill, but never received proper notice of this debt. 

I asked what address they sent the notice to and ironically they sent it to the same address the services were provided, which of course I never received because it moved to California. I agreed to pay the debt and they agreed to remove the account from my credit report. This was in XX/XX/2019. 

Well as of XX/XX/2019 they never updated my credit report and it still showed that I owed the balance. They never even updated it. I disputed it with XXXX   and XXXX verified the account as accurate but updated the account as if I paid it in XX/XX/2019, instead of XX/XX/2019. I argued with XXXX that this should be deleted and they told me to take it up with the creditor. 

I called Collections Unlimited 7 times on XX/XX/2019 and everytime I pressed " 0 '' for the operator I kept getting looped back to the main menu. I was never able to get a live person on the phone, so I have no choice but to ask the CFPB for help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This account has been reporting on my credit report every since XXXX of XXXX and this is XXXX of XXXX and still is reporting the statue of limitations in Tennessee is 6 years and on top of that I asked them to verify this is my account with a signature and have yet to receive that only thing that they send out is a bill.

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 2019-05-24 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: CITIBANK, N.A.
State: DE

Complaint narrative:
This is a false report on my credit, and I want it to be removed as soon as possible. I would also like to have more information about the institution that report this to my credit so I can take legal action against them ... thank you

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 2019-05-24 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer credit loaned me {$6000.00} on a title loan. I've paid {$3000.00} and still owe more than the original loan after 7 month 's of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CT

Complaint narrative:
I was a patient at a medical XXXX practice.I had XXXX  tests done resulting in {$1600.00} bill. An agreement between the medical practice and myself was reached to pay in monthly installments. many months passed and all bills were paid on time. The Doctors of the medical practice decided to dissolve the practice. They decided to sell all accounts receivable to a debt collection company, thus giving them immediate cash, my remaining debt was {$370.00}, I was notified that another agency would be taking my monthly payments. I was not informed that this would effect my credit score. It shows up in the credit bureaus as " a bill gone to collection '' sending my credit score from XXXX to XXXX this resulted in me being denied refinancing on my home the cancellation of a credit card which has resulted in many other hardships. I have tried to resolve this with the medical practice, but there records dept is an answering machine with a full mail box. the credit bureaus are now investigating this issue. The credit bureaus are the ones that told me this would come under " unfair practices '' and report it to the FTC, thus this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paragon Subrogation Services, Inc
State: FL

Complaint narrative:
Paragon Subrogation Services send us a letter a year ago, claiming that we owed insurance money for a tree that had fallen on a neighbour 's property, threatening with legal action, and alleging that they had provided us earlier notices. I called them to inform them that at that point we had no longer owed the property in question. They sent us an identical letter 2 weeks ago. When I called them again, the person allegedly handling the claim had no information about it other than saying again that it was due to a fallen tree. When I told her that the property was not ours on the date of the alleged claim, she went silent and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a legitimate deposit from my employers payroll account. Bank of America is now holding the entire check amount for no reason that they can tell me other than the fact that because it is a manual transaction. Which is not the case. I get me paychecks deposited biweekly every pay period. This current pay period XX/XX/XXXX through XX/XX/XXXX was not a direct deposit, it was a physical check due to a mess up through my payroll department. I manually deposited my PAYcheck into my local Bank of America ATM. Then was told on the final receipt that my PAYcheck would be be held without reason for over 7 consecutive days being XXXX XXXX, 2019. Unfortunately I have to live paycheck to paycheck but the fact that my 80 hours worked is being held another additional week if VERY frustrating and almost unethical. I NEED my actual paycheck that I am entitled to for my time.

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 2019-05-24 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -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 2019-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. 
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. 

When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OH

Complaint narrative:
This company is preventing me from accessing and withdrawing available funds from my investment account. My phone isnt working and the only way to withdraw funds is through receiving a text message. I called and waited for 30+ minutes only to receive horrible customer service from XXXX . He lied and said my account has a missed payment and isnt eligible for withdrawal even though I have proof otherwise. He asked me to send a bunch of personal information including bank statements to an email address to prove a payment that has already cleared and shows in the app. I dont appreciate being lied to and having my money held hostage by a shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had Discover Card and my Brother was suppose I pay from my Trust Fund to pay off this Credit Card and I found out he did not will back in XXXX of XXXX or XXXX I got my retirement benefits and I Paid off The Discover Card Thinking that they would let me used it again remember this is not fault anyway without checking my papers I think it was $ 6000- {$8000.00} I paid the whole thing off. And by the way I am only on SSA and I am a retired and XXXX woman that can not work and to sick to work anymore anyway make it short I paid them off hoping that they would of let me have my credit card back and I was informed today XXXX, that they will not do it if I know that I would not of paid it the Discover credit card but I would of went Bankruptcy of them and NOW I WISH I WOULD OF DISCOVER GIVES THEM NOTHING-I ONLY PAID THEM SO I CAN HAVE MY CREDIT CARD BACKnAND I ONLY NEED IT FOR MEDICAL IN NATURE LIKE MY MEDICINE MOSTLY AND MEDICAL XXXX  THINGS. I FEEL DISCOVER CARD DID A VERY BAD NUMBER- THEY SHOULD OF GAVE ME A SECOND CHANCE AND DISCOVER CARD PEOPLE ARE IN DANGER FROM XXXX THEMSELVES & And WHEN I TRIED TO Opening A NEW CREDIT CARD WITH THEM I THOUGHT THEY REALLY WOULD OF SINCE I PAID THEM IN FULL AND I DID NOT HAVE TO AND I WISH I DID NOT PAID THEM OFF AT ALL AND WENT BANKRUPTCY WITH DISCOVER CARD INSTEAD AND THAT HOW I FEEL LIKE THEY TOOK MY MONEY AND DID COMPLETELY NOTHING TO HELP ME AND I COULD OF USED THAT MONEY SOMEWHERE ELSE AND DISCOVER CARD WOULD OF GOT NOTHING AND THAT WHAT I SHOULD OF DONE TO DISCOVER CARD CORRUPT COMPANY PAID NOTHING ... I AM NOT RICH AND I DO HAVE A TRUST FUND BUT RIGHT NOW I CAN NOT GET ANY MONEY OUT OF IT I GUESS I NEED A ATTORNEY AND AGAIN I DO NOT HAVE ANY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Capio Partners, LLC
State: TX

Complaint narrative:
FCRA violation maybe FTC not sure at this point showing informaton not know to me to the best of my knowlege

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, I was approved for a mortgage loan with loandepot in XXXX Florida XXXX my loan officer was XXXX XXXX My closing day was XX/XX/XXXX. 
My loan officer contacted me a week before closing telling me that she lost my grant money because the government ran out of money she asked me if I had XXXX dollars for closing I said no and she asked me if I could borrow money for a family member I said no I was in tears I gave up my apartment and put my furniture in storage now I have no place to live she even keep my deposit money. Please help me this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation