vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

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 2019-12-11 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: CA

Complaint narrative:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

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 2019-12-11 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays US MaterCard # XXXX On XX/XX/2019, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX  XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards. On XX/XX/2019, however, after only a few days past the occurred fraud, I got a call from an agent in the Barclays fraud department, essentially stating that they have determined these charges were not fraudulent, and the credit issued is going to be reversed. Again, how that agent was able to determine that within only a few business days of the transactions is beyond me ... Surprisingly, I was not even asked to provide more information on the disputed transactions. To solidify my case, I have also filed a police report # XXXX, Officer XXXX, Badge # XXXX. 

The unauthorized charges on the MasterCard that XXXX is refusing to reimburse me for are as follows : XXXX XXXX 02 for {$1500.00} XXXX XXXX XXXX for {$5700.00} I, hereby, request that Barclays US stand by its zero percent fraud protection guarantee, and make me whole on these transactions. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.

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 2019-12-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Re : Continuous and Blatant Violation of FCRA and Consumer Rights To Whom It May Concern : I am disturbed that you continue to intentional list on my Equifax credit report an alleged filed and discharged Chapter XXXX bankruptcy public record as being verified by your agency when in fact I have NEVER filed a Chapter XXXX bankruptcy nor was ever part of any alleged Chapter XXXX discharge action. 

I have written to you four ( 4 ) times disputing the alleged Chapter XXXX bankruptcy filing and discharge information on my credit report but you continue to blatantly ignore my request for verification and removal of this very damaging information on my Equifax credit report. Further, you continue to state in your follow-up correspondence to me that you verified the disputed public record on my Equifax credit report with a third party vendor, XXXX, and have updated the bankruptcy in your records to report as discharged/completed Chapter XXXX on my Equifax credit report. 

Oddly, I contacted XXXX Consumer Center to ascertain why they were reporting to you, as your third-party vendor, a filed and discharged Chapter XXXX bankruptcy about me when I never took such an action. XXXX responded to me via written letter dated XX/XX/2019 ( see attached letter ) that after searching their companys databases they were unable to locate a file in their system on me. Since XXXX verified that NO file exists in their databases on me, how then can you declare you verified the alleged Chapter XXXX bankruptcy filing and discharge information showing on my Equifax credit report as accurate and belonging to me. 

Please delete the unverified and unsubstantiated Chapter XXXX bankruptcy public record from my Equifax credit report immediately as you have been dishonest and untruthful in your investigation and reinvestigations of my credit report dispute. ( As a side note, I was also affected by your data breach that exposed my personal information and am a class action participant in the Equifax Data Breach Settlement agreed to with the Federal Trade Commission, the Consumer Financial Protection  Bureau, and 50 U.S. states and territories. ). Per FCRA regulations, you have no right to maintain false, incorrect, inaccurate and unverified information in my credit file. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an ( re ) investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Thank you for your instant cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Security finance has called me 3 times a day, everyday for the past three months. Theyve called my parents and my job multiple times a day even after asking them to not call a place of business. They have told my job that they will just take me to court and garnish my wages. I never gave permission to discuss the status of my loan. Theyve left me threatening voicemails that I have record of. They have also inquired on my credit once a month without permission that I also have record of and had to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: AR

Complaint narrative:
Balance isn`t correct the balanced has increased with equifax causing my credit score to go down 13 pts,  the company is XXXX XXXX XXXX reporting to equifax. EQUIFAX HAS Either change the balance or not geeting their numbers right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from my credit report. The account has a XXXX balance. 

Account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed.  Balance {$0.00}. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : Letter sent to The Best Service Company on XX/XX/XXXX, fax confirmation and FTC Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans, I was one of those individuals who were affected. XXXX  was negligent on securing my information, during this breach a hacker gained access to my Name, Social Security Number, Birth Date, Address, Phone Number, Drivers as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, my personal information will forever be assessable, this has caused me a great deal of stress and anxiety. 

Credit reporting laws ensure that only 100 % accurate information should be reported to the credit reporting companies at all times. Due to the XXXX XXXX  Security Breach, XXXX, Experian, and XXXX are currently reporting incorrect accounts to my credit file. My Lawyer is prepared to move forward in court on XX/XX/XXXX in the " State of Alabama '' On XX/XX/XXXX I will file a civil suit against XXXX, XXXX, and Experian for continuing to report this incorrect, fraudulent information to my credit file at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach if this account is not removed from my credit file. 

The following accounts are currently being reported to my credit files and should be removed as soon as possible. 
1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX 4.Dept of Education 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX  8.XXXX card 9.XXXX . XXXX 10.XXXX Hospital 11.XXXX XXXX XXXX 12. Us Department of Education

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Received an invitation from APPLE for the Goldman Sacks/Apple credit card and I unlocked my credit fill out the application which was denied. When I tried to ask why was denied it seemed that APPLE had no idea and was told that Goldman Sacks denied it. They told me that will receive a detailed explanation, but instead I received a general not applicable document in a pdf form with a generic application troubleshoot. ( ATTACHED ).

I followed all the steps and instructions to the letter.

Tried to reach Goldman Sacks but was not able to do it, and although I was told that I will receive a detailed explanation probably in mail by APPLE support nothing came!

As you heard by now, Goldman Sacks is using illegal techniques to discriminate and other people have complaint about it publicly too.

I need a detailed explanation from Goldman Sacks, about the Denial of my application for the APPLE card. I am entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
I contacted XXXX XXXX  hospital to find a reference number to a claim that they have submitted and a collections that has been sitting on my credit report. They referred me to a number to call the collections agency. The collections agency found the account however it had a difference reference ID as well as a date that didn't make sense. I was XXXX XXXX from the XXXX XXXX as a XXXX  veteran JXX/XX/XXXX. The date for the visit was listed as XX/XX/XXXX however,the hospital stated that I didn't visit until XX/XX/XXXX.

Also, it stated that I saw a doctor XXXX (withholding name due to privacy) however, I just saw the same doctor 2 weeks ago (XX/XX/XXXX) and we have NEVER met prior. 

No matter the situation, combat veterans are gifted with 5 years of healthcare through the VA, so I am not sure why I was charged for a visit I never had. Even if I had it, it was covered under the VA health care system. I guess I am just 1 of 17,000 veterans who were skipped over as determined by the VA Inspector General in a report published XX/XX/XXXX. 

To summarize:
-If I wanted to pay the debt and have it removed, I couldn't because nobody has the account. No collections agency, no hospital, nobody.

-I was under the 5 years of health care (still am) from the VA system with the key terms being as follows: 
--"Eligible combat Veterans will have free medical care and medications for any condition that may be related to their service in theater."
--"Low or no out-of-pocket costs."

In one sentence; I have a medical bill in collections that I didn't receive services for, that I can't pay and shouldn't pay under federal guidelines and I can't get it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT

Complaint narrative:
XX/XX/2019 XXXX EST - Returned call to Iq Data International - Informed that debt was owed by " XXXX XXXX '' - Requested debt verification letter regarding details, but " XXXX XXXX '' persistent that debt be paid immediately, prior to office closing at XXXX PST. Agreed to phone call return in 30 minutes. Stated that letter was sent to erroneous address on XX/XX/2019 and that they would sent to corrected address - Phone call made and then transferred to manager " XXXX XXXX '', requested receiving debt verification letter prior to acting on alleged debt citing " Fair Debt Collection Practices Act '', *audio recording available. 
- Aggressive response stating that by not paying debt at time of phone call, despite not receiving above letter, that he would mark encounter as refusing to pay, and would start making marks against credit score, lasting up to 7 years, and that when the debt was settled the marks against credit score would not go away.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX we made our monthly payment ( on time ), on XX/XX/XXXX we received a call from Mr. Cooper that we had NOT made our XX/XX/XXXX payment and if we didn't pay that day we would be turned in to the collection and it would affect our credit score. Not able to figure it out that day, we went ahead and paid it to avoid collections and credit hits. On XX/XX/XXXX I called Mr. Cooper and was told I needed a letter from my back showing both payments. I provided this. Turns out the XX/XX/XXXX payment shows on our account as a STOP PAYMENT and was returned to a back that is NOT ours. We did not get the refund and have showed all our back statements that prove this as well as Mr. Cooper called our bank and verified directly with them that we were not refunded this payment. I have spent hours ( at least 20 documented ) telling and retelling this to their customer service who escalates it only to never hear back. We were lied to and we have all the documents to prove it. We need our money refunded for the 2nd payment they told us we had to pay in XX/XX/XXXX. I have since made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ON TIME as  well. Please help!

Company response to consumer: Closed with explanation