vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I've been attempting to link my debit card ending in XXXX to my Bluebird account, I've received an error message stating to call customer service. This error has persisted over several days now, customer service reps have given me three different answers for error message. Answers include, I need at least a dollar for processing fee to link card, my balance was at XXXX at that time ... Two other answers include there is a system error/that part of site is down, this is as of yesterday, XX/XX/XXXX ... .Third answer is that my bank is declining transaction, the error is on their end ... .Ive called my bank, they are not denying it and show transaction as posted then refunded back.. I called yet again earlier this evening, was told there is actually a block on my account preventing adding funds via debit card. The only reason I can think of for this is that I am currently disputing two items from XXXX on XX/XX/XXXX, for fraud, XXXX will not investigate on their end and keep referring me to Amerex. I do not see what the investigation has to do with me adding funds via debit card and or why there is a restriction on account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I had a credit building loan account with Associated Bank that was closed in XX/XX/2018. Associated Bank and I are currently in dispute regarding the date of the last payment and how it is being reported on my credit reports. Associated Bank claims the account was paid over 30-days late. Regardless of if the account was past due at the time of last payment, Associated Bank refuses to list the account as current. My last payment to this account paid the balance owed in full and Associated Bank is reporting that the account is currently 30 days past due. The account can not be both paid in full and past due yet Associated Bank refuses to listen to me on this matter and they continue to issue blanket denial letters when I inquire about this. Even if the last payment was over 30 days late ( which is was not ) this account would no longer be in a derogatory status because, as I've said and I repeat, it has been paid in full and closed. Accurate data reporting is the cornerstone of the Fair Credit Reporting Act and Associated Bank shouldn't need disputes to know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP
State: CA

Complaint narrative:
While in the military I took out a loan. Upon discharge I ran into financial pitfall. XXXX XXXX military lending company refused to accept payment directly from me and mad me pay their collector. Account payment was agreed And settled in full with documentation to prove. I called XXXX XXXX company they said the account was closed and paid in full. I filed multiple disputes to have the account corrected. I called the primary creditor only to have the agent say that they will not report the account paid in full even though it is for 60 days. I told them they were lying to the CRA about the status and she said well it took you longer to pay us back. I continued to file disputes showing documentation and the creditor continues to say account is delinquent and add interest charges. This here is classic example of creditor taking advantage and punishing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I validated a check with the Bank of America Money Network. The check was validated according to the money network guidelines. 

Then again as per the directions on the Bank of America Money Network, I took the check to my local Bank of America Branch. Both the money network check and the account card are emblazoned with the Bank of America logos. The money network site also features prominently the Bank of America logo and uses the bank of america domain name. This website states clearly that branches will cash these  money network checks. 

However when I took the check to my local branch on this was not the case. After requiring a counter signature and fingerprint, the teller and then the assistant manager and manager all informed me that they would not cash the check since I did not have a Bank of America account. 

In my confusion, I called the number on the Bank of America Money Network card. While on the call with the agent I was informed that the Bank of America branch had voided my Bank of America Money Network check, The agent then told me that the funds frozen for the check that was now void would be kept frozen for 10 days. Thereby freezing access to my funds as a direct result of their fraudulent claims. They still have not returned the funds to 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 2018-08-13 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: NY

Complaint narrative:
I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX  in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

EXPERIAN REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2018-08-13 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: PA

Complaint narrative:
Started A Investigation Through XXXX XXXXXXXX And Was Not Notified Of Completed Investigation And Was Told By A Transunion Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update

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 2018-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have disputed with Resurgent about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to Resurgent. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Resurgent did not oblige. Resurgent letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since Resurgent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: NY

Complaint narrative:
This business is reporting on my XXXX credit report for a debt that is NOT mine! I have sent them validation letters and they continue to report. XXXX XXXX will NOT verify the debt and keeps using XXXX XXXX which is NOT a proper form of Verification. This debt is NOT mine and i wish to remove them off of my XXXX XXXX report, they will not respond to my validation 609 letters either! 
Name of business ACCT # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Credit Karma, LLC
State: PA

Complaint narrative:
Started A Investigation Through Credit Karma And Was Not Notified Of Completed Investigation And Was Told By A XXXX Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX placed three hard pulls on my credit report in a two day period ( two on XX/XX/18 and once again on XX/XX/18 ). Three hard pulls were not authorized. This is excessive and unnecessary

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX TRANSUNION REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX, MN 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 2018-08-13 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 checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX EQUIFAX REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: FL

Complaint narrative:
I received a collection letter from a company named XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018, collecting on debt from a XXXX XXXX XXXX in the amount of {$1400.00}. I submitted a debt validation letter to them within the 30 day period. I have no knowledge of this debt and want to know if this is a scam. I am a licensed attorney and will fight this unlawful collection attempt to fullest extent of the law. But, would appreciate your help on this manner, if you are familiar with this company attempting to collect this debt. If they have complaints on file. How do I go about getting access to those complaints or record of action taken against them. Thank You for your help.

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 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Finance LP
State: MI

Complaint narrative:
Selene Finance has this mortgage listed on my credit report when it was filed in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CICA Collection Agency, Inc.
State: TX

Complaint narrative:
XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: Total Card, Inc.
State: VA

Complaint narrative:
In XXXX I went to use my credit card to rent a car from the airport. I had check my online account information prior to leaving to confirm available funds. It showed that I had more than enough funds available in order to complete the transaction for the rental car. Once I arrived at the airport and went to the rental car company to rent the car my transaction was declined. I told the attendant that there had to be a mistake and to rerun the card. The car declined again. I contacted the credit card company and was told that I had a lesser amount of funds available than what was shown to me online. I was told that the additional funds wouldn't be available until 7 business days. I asked them how could my online account information have something totally different then what they have in their systems and I wasn't provided with a direct answer only company XXXX. My statement is scheduled to close on the XXXX of each month. I check my online on XX/XX/2018 and my statement still had not closed. I contacted the credit card company was told that the information should be updated later on in the day. I check my online account several times throughout the day and still nothing had updated. The next morning I checked my online account and not only had the statement closed the day after but transactions were added into the statement that were still pending and has not cleared the account. I contacted the credit card company again and was told the that the credit card statement can close on different times of the month. Today I checked my statement history and the statement date is for the XXXX of the month however the statement includes transactions that show that they were transacted on the XXXX and XXXX of XXXX. I would like someone to investigate this company for fraud. How can the statement close on the same day the transaction was made? I have been given and shown misinformation each time I have contacted this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
I bought a used vehicle from car mart in XXXX Alabama the next day the vehicle breaks down and I bring it back they would not cancel the finance instead they say they will repair it well after it being gone for months I get it back mind you paying them for a car I didnt have it breaks down again i never even had a chance to buy a tag for it. They the. Refused repair and I told them to fix it or give me another and they refused both I then told them I will hold payment until its resolved they then repossessed the vehicle and sold it and reported it to my credit. But even when I bought the car no loan was reported no payment were reported so how can they report a balance due for the full amount of the vehicle?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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 THE WEST
State: CO

Complaint narrative:
The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards  billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges  under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material. 
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX. 
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm. 
Sincerely, 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