vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: GA

Complaint narrative:
I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED! 

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NV

Complaint narrative:
my card number was stolen and used in the state of California in different cities since XXXX- XX/XX/20 totaling up to {$1000.00}. Used in XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX California. 
My Card is from Way2Go XXXX card that is used in Alabama to deposit child support, XXXX XXXX  is affiliated with them. I was never alerted of any miss used transactions that are from California and i live in XXXX XXXX.It was very hard for me to reach costumer service for Way2GO debit card that i called XXXX XXXX conf # XXXX and they stated they did not have me in any account so they could not help me. I finally was able to reach someone in Way2go Costumer service to stop and report stolen debit card number, they then transferred me to fraud prevention from XXXX XXXX  and i made a report and they said they will mail be a dispute for all the transaction in 3 days and for me to fax it back with police report, then they will review it and let me know when i can get my money back. As a card that is from the State of Child Support i believe it should have better surveillance on the use of it and notify the consumer. I am out of {$1000.00} dollars and my identity has been taken from me and in terrible bind financially. I am very frustrated and upset with the whole system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I was a couple payments behind and put in for a loan modification and they approved but the wanted to add another 30 years to the MORTGAGE .I have been making payments for the last 7 months and in XXXX they sent my payment back and had to put in for another loan modification. They also are putting anything toward principle. and saying I owe over 9,000.On there statement they have something saying prepaid principle over 7,000. So I have been making payments and there saying I haven't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is repeatedly and continuously reporting inaccurate names and addresses on my credit report no matter how many times i dispute the information, send in verification, documents or request correction. This inaccurate information is giving unknown creditors leeway to report debts that do not belong to me to be reported under my credit report. I have been battling with Experian to correct my information since 2016 and I still have not had this matter resolved successfully. What they are doing is immoral and illegal and should be dealt with accordingly.

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
In XX/XX/2020, received notice of 3 o draft fees, then account locked. When branch XXXX nh.. manager informed locked my account chip on chip avtivity, account XXXX overdraft not counting XXXX of fees. We went Thur unatorized trans found purchases in cal, ny, nc, few trans purchase card in california, legit purchase made in XXXX nh few hours later ... impossible in cal and nh few hours. Filed police report gave tp bank. For one month to bank kept saying did not police report, branch emailed twice, filed new report Thur bank XXXX assured police in he XXXX sure refunded the bank close account found fraud .... finally hours on phone XXXX XXXX number one honest to bank employee bank saying left me phone message saying fraud activity they thought on account, I never received notice, until got 3 of fees in mail. 

Been customer to bank 20 years, retired now my ss income, loss half. Money month. Thur out this process to bank lied many employees, why not process file charges in out state debit thefts. To bank are bunch robbers, no ethics, or truth in them share holders ashamed XXXX XXXX bank who dont protect, be truthful customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 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: CA

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: GA

Complaint narrative:
I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-02-10 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: GA

Complaint narrative:
I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-02-10 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: AR

Complaint narrative:
Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXXXXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX  XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I was a guarantor of a lease for my daughter from XX/XX/XXXX until XX/XX/XXXX. My daughter signed a new lease for XX/XX/XXXX until XX/XX/XXXX. I did not sign the 2nd lease as my daughter then had rental history and is an adult.

For several months on the 2nd lease the apartment manager/maintenance entered her apartment without proper notice ( along with other unsafe practices ) where my daughter felt very unsafe and like she had no other option but to move. She moved at the end of XX/XX/XXXX after giving a 30 day notice and trying to work it out with management. 

The apartments have now sent her to National Credit Systems Inc. to collect the remaining balance of her lease ( {$1100.00} ). She is objecting to owing the amount due to the illegal entering of her apartment. 

I now have also received a collection notice from National Credit Systems. I've contacted the apartments via email ( XX/XX/XXXX ) and talked with XXXX XXXX of NCS ( XX/XX/XXXX ) relaying that I am not a guarantor for the lease period. XXXX mentioned today that since I signed the original lease I'm on the hook for all future leases and that he has reported me to the credit bureau agencies. Also, when returning my call the call ID showed a local phone number in Oregon and NCS is located in Georgia. 

I feel like National Credit Systems is violating not only my rights by trying to collect a debt not owed by me but my daughters by contacting me about her debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Equifax Credit report. XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX. Collections XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sky Group USA, LLC
State: DE

Complaint narrative:
Every time my payment is due they charge me a NSF fee when funds are clearly in the bank. Every pay it has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: FL

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : XXXX XXXX XXXX  # XXXX Diversified Adjustment # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX/XXXX # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: DISCOVER BANK
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove any other name & address variations immediately, THEY ARE NOT ACCURATE. 
I continue to ask/request XXXX, XXXX, and XXXX  to properly verified the accounts they claim I owe. They continue to send back inaccurate information that is not accurate, I always request PROOF OF CONTRACT bearing my signature TO SUBSTANTIATE SUCH CLAIMS and they NEVER SEND PROOF. Per the FCRA if a credit reporting agency CAN NOT SEND ACTUAL DOCUMENTED PROOF PER THEIR RULES ALL ACCOUNTS THAT CAN NOT BE VERIFIED " WITH PROOF '' MUST BE DELETED. If this account is not properly verified with proof I DEMAND it be DELTED, if it is not DELETED I WILL EXERCISE MY RIGHTS PER THE FCRA AND WILL FILE LEGAL DOCUMENTATION AND THEY WILL HAVE TO APPREAR IN COURT. PLEASE REMOVE THE FOLLOWING ACCOUNTS BELOW : Discover Financial Services XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I look online at my checking account ending in # XXXX and there is negative balance of {$380.00} and fees. 
A check was written for XXXX XXXX XXXX for {$300.00} as l look on Bank of America print out check on display online. 
There was some errors on written check and it appears that XXXX XXXX XXXX put errors on the check dated XX/XX/2020 and a hold was not written by me. 
There is over excessive fees of {$35.00} by bank of America. 
The check should be voided by Bank of America and XXXX XXXX XXXX and l make a payment arrangements with XXXX XXXX XXXX to payoff the {$300.00} in two months. 
I am respectfully 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 monetary relief