vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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: CA

Complaint narrative:
Experian has reported medical debt on my credit report in violation of its settlement agreement with the NY Attorney General, executed on XX/XX/XXXX, wherein its Experian 's XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agreed that such debt would not be reported " when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' XXXX  XXXX XXXX has reported Account number XXXX as of XX/XX/XXXX, which services were allegedly preformed by a dentist less than six months prior.

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 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: CA

Complaint narrative:
CLARK COUNTY COLLECTION is reporting that I owed XXXX  {$1400.00} on account number # XXXX as of XX/XX/2014. This is not my debt, yet this collection agent keeps reporting the debt when I dispute it. This debt collector has ignored several letters in which I have asked for information on this account, such as the service address and the full name and social security number on the account in order that I can verify if identity theft has even occurred, or if there is some error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Obtained 2nd mortgage ( No Doc ) via CitiMortgage in XXXX We requested $ XXXX, but broker up sold us to $ XXXX at 6.5 % and convinced us of its advantages due to our excellent credit During recession, second mortgage payment became unaffordable. 
Initiated modification process in XXXX Have submitted all docs upon request and resubmitted repeatedly after continued loss of docs by CitiMortgage. This process has continued for 9 YEARS and CitiMortgage still has not offered any solution. 
We have retained the services of 3 different law firms to represent us ( since communications with Citi turned out to be impossible, attorneys had given up ) We  have been through over 70 CitiMortgage representatives over the years promising a quick modification resolution ( all records and emails available upon request ). 
Settlement ( as requested ) finally offered by CitiMortgage ( via email ) in XXXX. Our attorneys immediately followed up to discuss, but again - NO RESPONSE from CitiMortgage. 
Presently, situation remains unchanged ( of course, they are continuing to ask for updated docs ) We feel CitiMortgage has stalled for 9 years waiting for house values to rise in XXXX XXXX. 
As a result of the above, we feel Citimortgage has not done business in good faith, as prescribed by 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 2019-01-02 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:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

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 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

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 2019-01-02 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: FL

Complaint narrative:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: NJ

Complaint narrative:
I have tried to contact XXXX XXXX for almost 3 months. Someone opened a credit card in my name with this company and now I have a charge off on my credit. XXXX XXXX is not reachable they do not call back. I have sent emails and called no reply.

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 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
This is a re-hash of a complaint I made last year but it had been filed with XXXX. 
This is the very same company and same amount {$53.00} with the same originating company XXXX XXXX XXXX. I have NOT had any XXXX  services since the early XXXX when they did not supply the service they promised and then grossly overcharged me when I dropped their services. 
I will not EVER have XXXX  services. 

Collecting companies name is Diversified Consultants Inc. 

I have taken my credit score from the 500s to mid 700s and if I owed these idiots anything I'd pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened this HSBC/Mastercard credit card account at the end off XXXX, accepting an invitation they sent to me by regular mail with an incentive of {$150.00} after {$1000.00} of purchase with that card. 
I was approved and start using it and scheduled two on line payments with emails confirmations. 
1- {$100.00} on XX/XX/XXXX conf. XXXX 2- {$500.00} on XX/XX/XXXX conf. XXXX By XXXX Holidays my wife told me that her card was rejected at the store. I told her that should be fine due may earlier payments. I checked on line, and the payments were reversed and a {$25.00} fee was added. I called to customer service XXXX on Thursday XX/XX/XXXX twice and waited for 45 minutes first and about 30 min hold, no agent took my call while waiting. Finally an agent answer and told me that my account was blocked and I need to call security to XXXX. Called by XXXX a machine asked for my ID info and again wait for about 20 min nobody took my call and I decided to hang up because I've got to work. Called again next day same thing 30 min  on hold no agent to take my call, so I hung up. So XXXX passed by and I went on line on XX/XX/XXXX, and tried to check my payment info to see any errors, I couldn't pay neither could see my payment information but I created A link to my bank account just in case. I start chating to them to look a new way to pay and make them to waive the fee. After chating for a while they told me that they can't help me that I need to call XXXX which I did but same thing It put me on hold and nobody took my call. Call again, and finally an agent answer but she told me that I need to call the XXXX during office hours, because she can't help me at that time. I'm afraid more fee are coming up and I have no way to pay. That's a ridicule and consuming time situation. that costumer service is horrible it tired me up. I just wanted to pay that in full get rid of those fees and close the account but they don't have a branch in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have an account with PayPal and on XX/XX/2018 my account was unlawfully and suddenly frozen after a phone call. I called PayPal on XX/XX/XXXX to ask why are they allowing a client to open up a dispute with false information over six times after PayPal had already ruled in my favor over six times and released the dispute holds. After this phone call one minute later they unlawfully froze my PayPal account. PayPal know that I am traveling because at every port I enter I call them to inform them of the country Im entering. PayPal has left me and XXXX babies which are XXXX, XXXX, and XXXX years old in an emergency situation we are on a 30 day tourist visa in a foreign country with no way to buy food to eat or get back home. The funds PayPal is holding is my only means to support my family and get back home its the only account I have with money in it. I have reached out to PayPal and they have not displayed or expressed any recompense or empathy to my circumstances. I do plan to do a press release to gain maximum attention and exposure for my situation as this has been a night mare. PayPal is causing me and kids to violate the rules in the country we are now in because we have no way out or no way to buy food. My kids are crying all day and so am I because for 8 years Ive been with PayPal and have never done anything fraudulent or wrong. I really really need help so bad because again me and my babies are stranded and I dont know much else to do but expose PayPal everywhere I can and definitely seek legal counsel If this matter is not resolved. I requested that PayPal hold only a {$1000.00} of my funds on hold instead of all my funds to credit against future disputes because my dispute winning rate with PayPal is over 98 % and this year alone it was at its lowest. Please help me with this I am desperate to feed my babies and not violate my 30 day tourist visa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 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: IL

Complaint narrative:
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a {$10000.00} check into a joint checking account that my step-brother and I hold with Chase Bank. The check was an living trust gift to my step-brother from his XXXX year old biological father. The deposit erroneously generated an over-draft alert on XX/XX/XXXX and USPS letter on XX/XX/XXXX sent to my address in XXXX. I watched the account online daily for the check to clear to have access to funds to pay bills. On XX/XX/XXXX, the check still hadnt cleared and I was denied access to my online account. On XX/XX/XXXX the check had cleared ( available balance ) but still no access to account. I called Chase customer service 3X XX/XX/XXXX ( 30-45 min per call ) and visited a local branch but was told the bank was closing the account with the excuse that they were suspicious of the check and wanted to talk to the maker of the check even though it was available balance online but I had no access to banking services. I arranged for Chase to speak with check maker at XXXX XXXX EST. Chase CS employee would not call maker of check because it would be XXXX PST where maker resides in XXXX despite makers request. So Chase eventually contacted maker at XXXX XXXX  ESTXXXX XXXX PST to learn check was legitimate After this step was completed, Chase CS still maintained that the bank had decided to close the account and it was irreversible. We have been an account holder with Chase for 9 years with no issues. The account receives my brothers direct-deposit Soc Security check on the XXXX of each month. The erroneous over-draft alert was never acknowledged by Chase. Now, Im waiting to receive balances from 2 closed accounts sent to XXXX address while Im in XXXX for the winter. I think its important to note Chase will have the {$10000.00} in funds in their possession for approximately 3-4 weeks while denying me access to online account which will eventually be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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:
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XX/XX/XXXX that was reported and funds were received back into my acct. Please remove this address from my credit 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 2019-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I had a XXXX XXXX credit card {$300.00} dollars i paid on it then i had a few money issues then i received calls after calls finally someone offered me a settlement. Then it got handed to XXXX XXXX i took it they never gave me paperwork that this is resolved plus they had 2 different account numbers on my credit report one said satisfied XXXX and another XXXX not settled debt owed so they need to fix it i called but talk to different people over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: VA

Complaint narrative:
I was working with a lady at guaranteed rate of XXXX, va she had my file working on this and it was sort of long time well she pre approved me and then it was some time later she said over the phone i got denied not letter of this was given to me then i get a phone call she left my file undone and someone else took it over later to be told my credit score dropped and i was denied again and got a letter if they would not of took there time on this loan it would of went thru it cost me my forever home. Something to look forward to with my grandchildren so i am upset they took there time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
On XX/XX/18 I used the services of MoneyGram in XXXX VA to make a money transfer of XXXX Dollars ( Reference Number XXXX ) to my sister in XXXX XXXX, Its been more than 10 days without having able to receive the money or a response of where the money currently is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.

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 2019-01-02 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Good Morning- My credit score with XXXX is much lower than with XXXX . After doing some digging, I found that XXXX is reporting the XXXX XXXX XXXX XXXX as Open-Derogatory ... .Chapter XXXX Wage Earner Plan Account. This is incorrect. When I filed Chapter XXXX, I filed alone. My ex-husband was not involved. The car was never included in the Chapter XXXX. The car was signed over to my ex-husband. Therefore, he is responsible for the car and is making payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: SC

Complaint narrative:
I am an Identity Theft victim, there was a fraudulent XXXX account opened for someone named " XXXX XXXX ''. My name is XXXX XXXX XXXX. I have had a problem with someone stealing mail from my mailbox. I reported this information to the report bureaus and Transunion removed the account and then a 30 days later reinserted it without any explanation or reason. I called XXXX to see had there been a Fraud investigation on this case and I was told no but the representative I talked to claimed one. This account is killing my credit and needs to be removed permanently.

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