vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

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 2019-02-22 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/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XXXX of XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

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 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Three transactions where charged to my Paypal account by XXXX. I contacted XXXX initially and they responded that I need to contact PayPal. I contacted PayPal and disputed these three transactions explaining that I did not have a XXXX account at the time of the transactions and please honor your protection guarantee. PayPal resolved my dispute without throughly researching my case. Had PayPal throughly researched my case they would realized that I had no XXXX ad or promotion. Which would not be possible because I did not have a active XXXX  account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
portfolio recovery XXXX is calling me trying to find someone else and wants me to relay messages. They call me everyday. Its not my issue or my problem they are harassing me over someone else old debt. When they call they ask if so n so is there when I say no they hang up. Today I called them back and told them no one lives here by that name stop calling me. But every single day they call same thing over and over again. I tried blocking their number then they use a different number to call me.. Its like non stop ... 
XX/XX/2019 XXXX I dont have all the numbers they call on. but its everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018, I received a fraud alert text on my Citibank credit card. I immediately contacted the company and indicated the attempted purchase was not being made by me or my husband. At that time, I learned that there were three other charges that were not made by me or my husband : 1 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), 2 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), and 3 ) a charge at XXXX XXXX XXXX for {$1.00} ( XX/XX/18 ). These charges were initially credited back to my account. 
I was later questioned about whether or not I had possession of the credit card ( it was actually my husband 's card, but he was never contacted about this incident ). I initially indicated the card was in his possession at the time the fraudulent charges were made. I later learned this was incorrect. It took a couple of weeks for my husband and I to realize that on the same day the first fraudulent charges appeared ( XX/XX/18 ), someone broke into my husband 's locked gym locker at XXXX XXXX XXXX, damaging the lock in the process ( the lock was still on his locker after his workout, it was just so badly damaged it no longer functioned and the gym personnel had to cut it off ). His wallet and all his other items were still in the locker and he did not notice his Citibank credit card was the only item taken from the back of his wallet ( we rarely use this card ; the last time he had used it for a purchase was XX/XX/2018 ). 
The company 's initial finding on XX/XX/2018, was that my husband was in possession of the card at the time the charges were made and therefore, we were responsible. Since this initial determination, I have contacted the company by phone on XX/XX/2018, XX/XX/2018, and XX/XX/2018 providing additional information to include two police reports filed in XXXX XXXX, Texas ( where the card was stolen ), and XXXX XXXX, Texas ( where the fraudulent charges occurred ). 
Lastly, on XX/XX/2018, I provided written correspondence including sworn affidavits from me and my husband, time cards from my husband 's work ( indicating he could not have made some of the charges because he was at work when they occurred ), text messages ( showing the date someone broke into his gym locker ), and phone records. I sent two copies of this package -- one to customer service and one to security service -- neither department has responded to or even acknowledged my correspondence ( tracking information indicates these packages were received on XX/XX/2108 ). 
I am seeking to have these fraudulent charges credited back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union charged my checking account for XXXX for a credit card that is owed on. I understand the card is delinquent but I have been paying on the card since XX/XX/XXXX and the limit never got any lower. I was locked out of my checking account for a week, and then when my deposit went in, I went to work on XX/XX/XXXX at XXXX XXXX cst and got off at XXXX cat. I called Navy Federal around XXXX cst and I was transferred 5 different times and no one could give me an answer, they actually told me I talked to someone earlier that day, which I did not. They left me with XXXX dollars, I told them they could keep XXXX dollars of the XXXX that was taken but I needed the rest back as if I have a family of three and am doing my best but how can I make it on XXXX bucks for three weeks. I know that Navy Federal was sued for the same thing they are doing to me back in XX/XX/XXXX. Now I am not sure what else to do here but this. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity fraud. Someone used my identity to open an account with XXXX but I don't know who this person is or where the account was opened. I filed an Identity Theft Report with the Federal Trade Commission under penalty of perjury and received back an FTC Report Number and confirmation that they accepted the report. I then contacted Experian and requested a seven year extended identity fraud alert. I supplied them with the request, a copy of the FTC Identity Fraud Report,  my driver 's license and a recent utility bill to verify my address. However, they denied my request for the extended identity fraud alert. Their reason was " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' However, filing a false Identity Theft Report with the FTC under penalty of perjury does, in fact, subject me to criminal penalties if the report is false. Therefore, it meets the requirements of the FCRA. Can you please investigate Experian policies in this regard and determine if it is violating the law and, if so, impose appropriate sanctions. Thank you.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Netspend Corporation
State: IN

Complaint narrative:
I received a Netspend Mastercard in the mail. I never applied for this. Since then my checking/Debit Card and XXXX Credit Card has been hacked. I tried calling the phone numbers for this Netspend but have been unable to get in contact with anyone for further information. I do not and did not open this accout.

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 2019-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have disputed several times reached out to the company to remove this fraudulent charge and they wont

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working on several things that Equifax refuses to actually do their diligence. There are several items listed on my credit file that ARE PAST THE STATUE OF LIMITATIONS. Equifax is the only company that is reporting old information. The fact that they will not even respond to the government agency is only an example of the issues the common person has. They need to deleted out dated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
In XXXX of XXXX I pulled all 3 credit reports and found Midland Funding, LLC was reporting a collection account. I disputed with all 3 credit bureaus and it came back as verified. I did not receive a dunning notice of alleged account from Midland Funding, LLC. I also was not notified within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter demanding validation. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Complainant was appointed as Conservator of a XXXX person in XX/XX/XXXX. Conservator account was established at Citizens Bank. On XX/XX/XXXX, the XXXX person removed the balance of the Conservator account and opened a new personal account in her name Citizens Bank. As the XXXX person has been adjudicated incompetent to handle her personal funds, Citizens Bank should not have allowed this. On XX/XX/XXXX, the Conservator discovered the withdrawal when attempting to pay bills. She worked with a customer service person at Citizens Bank, XXXX, MA, and most of the funds were recovered. The XXXX person 's new account was also closed and the balance of {$130.00} deposited in the Conservator account. The bills were paid. 
The XXXX person filed a complaint of fraud with Citizens Bank, and Citizens Bank debited {$130.00} from the Conservator 's personal checking account and placed it in the XXXX person 's reopened account. 
Citizens Bank had no authority to debit the Conservator 's personal account for any reason. 
Everything done by the XXXX person was done over the telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX  ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
As the owner of the property XXXX XXXX XXXX, TX XXXX. 

I only need one Flood Insurance Policy. 

My Mortgage company ( First Tech Federal Credit Union ) made a mistake to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.

I made a complaint and advised them that I was trying to cancel one of the flood insurance and requested them not to send payments to both Insurance companies. 

However, they continue to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX. 

My home is in the flood zone, so the mortgage company automatically deducts escrow money from my checking account. I have no way to stop them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation