vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have been a victim of Identity Theft and was reported back in  XXXX   XXXX  I have been in the  XXXX  since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft,  they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC,  XXXX  Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE   XXXX   XXXX    XXXX   XXXX , PA  XXXX  Phone number : (  XXXX  )  XXXX , thats the collections agency and the original debt was towards a college, called  XXXX   XXXX . They said that the account was opened on  XXXX   XXXX ,  XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of  XXXX  kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX   XXXX   sold our  XXXX  mortgage account  to Select Portfolio Servicing , Inc.  of  XXXX   XXXX   XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble.     I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.

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 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Apparently I was sued for an unpaid debt by midland funding LLC. They sued " me '' for an amount of  XXXX   '' in the county of   XXXX . I 've been trying to remove it off my credit reports. I never went to court or signed any forms stating admission of debt. Please help me resolve this.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is against Bank of America. My home is in  XXXX , FL. I opened both a checking and savings account with Bank of America in   XXXX  . A person from the Bank of America called me about 5 days from    XXXX   XXXX   info rming me that the bank was in the process of closing my account. I assumed that the account was being closed that day. I have no knowledge of what state the person was calling from. On   XXXX   XXXX   my federal income tax c heck ( {$4300.00} ) was  directly deposited into my checking account.   However, this is the problem. I have no idea what or how this happened, but my savings account got to be overdrawn by over  XXXX  dollars. This happened long before because Bank of America had been calling me about that overdraft. I told them before that I did not try and cash any checks totaling that amount of money. I just learned that it was  XXXX  checks cashed. Bank of America stated that they were investigating this, but they refuse to allow me to withdraw my tax refund. This compliant was set into motion before   XXXX   XXXX  . They ask that I give them 45 days to have this investigated. It has been over 45 days and now they are telling me that they need 60 days.   This is not fair nor is this right. I need my money and Bank of America has been hedging and hesitating.   Can this office do anything about this situation?

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 2017-04-25 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: WA

Complaint narrative:
Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XXXX XXXX an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my XXXX report. I also contacted Transunion concerning a inquiry for XXXX XXXX that was not mine and requested to have removed due to its not mine and its about to fall off in XXXX, I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the XXXX XXXX inquiry is  due to fall off XXXX/XXXX/XXXX. alsXXXX XXXX XXXX is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the XXXX  inquiry is not correct

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 2017-04-25 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: FL

Complaint narrative:
XXXX   XXXX   XXXX  account does not belong to me it belongs to my ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV

Complaint narrative:
I have an IRA  Annuity  statement from   XXXX  , with Union Bank in  XXXX   XXXX  CA. The statement gives  Union  Bank Fe d Tax  ID #  XXXX . It is a  Fixed Rate IR A wit h Maturity Date   XXXX . Earliest distribution date without penalty is  XXXX . The required disbursement date is  XXXX .     The beginning balance from  XXXX  was {$2900.00}. The ending balance as of  XXXX  was {$2900.00}. No withholdings are showing.     Approxima tely two wee ks ago from today, around  XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their  Investments Group  at #  XXXX . Th e Investments Group to ld me to back to the IRA department.     So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at  XXXX . FDIC told me to call t he Office of the  Comptroller of the Currency at  XXXX .     Th e OCC the n told me to call you, CFPB, at  XXXX . This is why I am writing to you now.

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 2017-04-25 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: FL

Complaint narrative:
XXXX    XXXX  account does not belong to me it belongs to my ex husband

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 2017-04-25 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: FL

Complaint narrative:
XXXX   XXXX   account does not belong to me it belongs to my ex husband

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay closed my Barclay Arrival Plus credit card that I 've had for years without warning and gave me a vague reason " account usage history '' and  refuse to give me any specific details. I use the credit card for all my daily expenses and bills. The closure of the account caused issues with missed payments and inability to pay for something when I expected the credit card to work. I paid an annual fee of {$89.00} to use this credit card but they shut down my account and did not refund me the annual fee. In addition, I have about {$15.00} worth of travel credit I earned that I ca n't redeem anymore.

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 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XXXX / XXXX / XXXX  : Purchase  XXXX    XXXX   XXXX   E-Gift card through  XXXX , each card worth {$50.00} store value. Seller -  Paypal Digital Gifts.       XXXX / XXXX / XXXX  : I found out  XXXX  of my   XXXX   XXXX   E-Gift card got  XXXX  balance, I tried to contact   XXXX   XXXX   and  Paypal Digital Gifts,  they both  XXXX  the problem back and forth. I called   XXXX   XXXX   and get the transaction detail of thoes  XXXX  gift card, which will list below  XXXX / XXXX / XXXX  -  XXXX / XXXX / XXXX  : My   XXXX   XXXX   E-Gift card was used by someone else located in Florida, where I am a resident in Minnesota the whole year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I wired  XXXX  {$100000.00} transfers to an individuals bank account at the HSBC branch in  XXXX   ,  NY  .  The   XXXX    XXXX   XXXX  suspected fraud so they recalled the wires. They were put in the hands of the  Fraud  Department at HSBC bank. This took place on  XXXX   XXXX ,  2016 . I have called numerous times to have the funds returned and have no success.  The Fraud Investigator i s  XXXX   XXXX  who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money.  XXXX   XXXX  's phone number is  XXXX   XXXX .   The bank info.is as follows, HSBC Bank us Nat.Assn.  XXXX   XXXX   XXXX , and  XXXX ,  XXXX , NY  XXXX  US, tel. #  XXXX .   Please intercede for me. I have done all I can to retrieve my money to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: FL

Complaint narrative:
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my l ast 4 ss #  on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: CA

Complaint narrative:
Student loans transferred on  XX/XX/XXXX , {$13000.00}. Utah  Higher Education Assistance Authority  added ( {$13000.00} ) to my outstanding balance above. See attachments. All  four  loans fixed interest rates are   XXXX   %.   1.  XX/XX/XXXX -balance {$2000.00} ( monthly payments ( {$31.00}  )  unsub loan 2.    XX/XX/XXXX -balance   {$2200.00}  ( monthly payments ( {$33.00} ) sub loan 3.    XXXX  - balance {$4500.00}  XXXX   monthly payments ( {$63.00} ) unsu b loan 4.  XX/XX/XXXX - balance {$2400.00}  ( monthly payments ( 37.05 )   sub loan Monthly principal payments on each individual loans plus the accrued interest is added. Paying more towards each principal balances are not being applied correctly towards all four loans. There 's know way my accured interest is higher then each individual loans. They are applying my extra principal payments towards interest that I have not been accured yet. I have repeatdly ask them to correct my payments and apply my principal payments to the principal balances. My  XXXX  payment in  XXXX  of {$340.00} was applied towards interest and not towards my principal balance. On  XX/XX/XXXX , I wanted to pay off loans (  XX/XX/XXXX  unsub ) and (  XX/XX/XXXX  sub ) I was told I could not pay off my student loans individually in full and that the payment would apply towards the entire balance. I toldd them that I had the right to pay off my small loan balances. The representative said its their policy to split my monthly payments towards each loans and that if I paid both those dollar loan amounts it would not be applied towards thos e two loans  but split payments towards all loans leaving both loans outstanding balances. Where does it say or state that a graduate student is n't allowed to pay off some of their multiple loans? Also I requested that my standard repayment pay off debt be changed from  XXXX  to  XXXX  so that these loans could be paid off sooner. Also refusing to send me copies of all paper work they received from  XXXX . I have not received any statements they received that itemized my all my payments since  XXXX - XXXX . Overall, my monthly payments are not being applied correctly and monthly accrued interest is being over paid when I have not missed any payments since Utah  Higher Education  Assistanc e Authority a ssumed my  four  students loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
My name is  XXXX   XXXX , I had a  XXXX   XXXX  account with account number  XXXX . My account with  XXXX   XXXX  ended in  XXXX  of  XXXX  when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the  XXXX   XXXX  receiver and  XXXX   XXXX  remote which I did during  XXXX  of  XXXX . There were some issues with  XXXX  not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late  XXXX  or so after repeated conversation with  XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in  XXXX  of  XXXX ,  XXXX  has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned  XXXX   XXXX  receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both  XXXX   XXXX  and ERC about this, neither are willing to remove it.

Company response to consumer: Closed with explanation