vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: DC

Complaint narrative:
Altisouce told me I would receive money for relocation. I moved out of the property and they never contacted me. They turned off the utilities

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I have applied for a refinance of a loan with Vectra Bank since XX/XX/2019 and I have not been given consistent loan status after 6 weeks. I am entitled to a consistent loan status.

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 2019-07-09 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX  account number XXXX, in the amount of {$240.00}. ( Please see page XXXX of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were XXXX separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to XXXX account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed 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 2019-07-09 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: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed 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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Im a XXXX year old XXXX veteran which happens to check my credit report every so often and has noticed things that doesnt belong to me. I do NOT owe Diversified Consultants.  The account was opened XX/XX/2018. This doesnt belong to me. 

Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian makes obtaining credit report or requesting a freeze on credit intentionally difficult and obtuse. The web site is not intuitive or helpful. Even with accurate input of my information I can do -nothing- online and have to call. When I call the number I can not reach a live person but instead receive only a few options which require me to manually prepare a document with a lot of PII to mail to them. This is not only a high risk of exposing my PII, but also makes requesting information or services unnecessarily complicated. They are the only credit reporting agency I have worked with who has made their services difficult to access and use. I feel this is in an attempt to prevent or discourage person 's taking control of their personal credit reporting.

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 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA 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 explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( Equifax, XXXX and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient contacted my wife two weeks ago on her number leaving a message for me indicating I was 90 days past due. 

I was in a rehabilitation program where they had all my updated information such as my address and my phone number and was paying {$5.00} a month. 

No one contacted me to let me know that Navient was taking over the loan. Obviously they had updated information for hey contacted my wife ( and I've only been married a year ). 

When I called they told me they did not have the correct address, they were using an address from when I originally got the loan back a few years ago. 

Amazing how they recieved my updated telephone numbers but not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Recently received an Escrow analysis report ( XX/XX/XXXX ) and it appears the column labeled as 'actual ' isn't accurate. They are listing an exaggerated amount for my 2nd installment of RE taxes due XXXX. I've communicated this ( via chat ) to lender-Flagstar, ( XX/XX/XXXX ) and they requested to provide a copy of that bill ( emailed to lender XXXX ). Based on this analysis report, my mortgage will be increased by more than 27 %. When I asked when this will be fixed, the representative assured me it'll be 5 business days. My next payment is due XX/XX/XXXX with the inflated estimate. 

I've also submitted an escrow waiver the same day given my qualifications. I've also, recently submitted a PMI waiver ( XXXX ) and have received noticed removal of PMI. Not sure if this prompted the lender to have an 'analysis ' of my escrow balance of which I obtain a balance as indicated by 'law ' of two mortgage amounts. 

This doesn't seem right that lenders send these ridiculous estimates that do not make sense, yet ready to change monthly mortgages immediately.

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 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
On XX/XX/2019, I received a call from Pheonix Financial. The caller stated he was calling to collect multiple debts from XXXX XXXX. I informed him that I did not have any debt with XXXX XXXX and if he could show I did, I needed them to send me it in the mail. He stated they have sent me bills. I told him, that pheonix finacial had not sent me anything verifying a debt with XXXX XXXX, and I did not owe anything to XXXX XXXX. He then told me to " check my credit report, and when I was ready to pay it, to give him a call ''. I explained again, that I did not owe anything to XXXX XXXX and again, to send me the verification in the mail. At this point he starts to yell at me and tell me he is marking the account as refusal to pay and hung up on me. They refused to verify a debt that I do not owe. I have no outstanding bills with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like the removal of my fraud alerts in which I have already requested

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 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace consistently took money out for payments on the wrong agreed dates, my account stayed in overdraft, and I would get overdraft charges Everytime they tryed to run a payment through my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/2019 I have an open dispute claim XXXX and reference XXXX regarding two transactions XX/XX/19 XXXX*XXXX XXXXXXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX US  {$490.00} XX/XX/XXXX XXXX*XXXX  XXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX  Us {$490.00} My account has been compromised and these are unauthorized fraudulent charges. I have contacted the company Zelle case XXXX and there were able to verify that these charges were not initiated by me or from my account. All of the transaction details will be provided to my financial institution. I have mobile alerts set up and received no notice about these transactions. I have since deactivated any association with Zelle and cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Would like the removal of fraud alert on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, XXXX and TransUnion ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

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 2019-07-09 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: TX

Complaint narrative:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, Experian and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

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 2019-07-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted CCB/HSN about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America. I applied for a bank of america card online. I have excellent credit and was denied after they pulled a hard copy of my credit report. I then contacted an individual that obtained further info from me. He agreed that my credit is excellent but he then stated that the denial stands because I have no bank of america accounts and the amount of credit extended to me in the past 18 months. I told him that other banks and companies did not have a problem ( XXXX  XXXX etc ). He then said that I should file in the future with bank of america, I replied I will not be recommending bank of america to anyone.

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 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was trying to buy concert tickets and the person on XXXX said to send money through XXXX. I said, " how do i know if i send you money you'll send me the tickets '' and they said " its a secure transfer through your bank ''. They gave me a phone number and a name to find on XXXX, I transferred the money ( XXXX ) and waited for the tickets. They never sent them and disappeared. I immediately called Wells Fargo and they opened a claim. Right after that I called non-emergency police and filed a claim as well as said to press charges if they find the criminal. I gave them the XXXX XXXX ID number, and all other information I had. Wells Fargo closed the claim and said I can resubmit with any new information, I tried again and it was closed again saying it was not fraudulent, and taking not helping with XXXX at all. I called to find out information, and all they said was they can not " go into someone else 's account and retract funds '' even with a police report. I issued a complaint on the phone then with Wells Fargo, and they said they'd mail me any updates. XXXX has no fraud department, and hangs up on you when trying to connect. I don't know what else to do at this point. 

Date of money transfer through Wells Fargo using XXXX : XX/XX/2019 Amount : 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 explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2019 upon attempting to make a deposit I was rudely treated by the Branch manager to which I responded in kind. At that time she claimed to forcibly close my account and did not do so. 

Upon contacting U.S. Bank I was informed my account was not closed and required me to come in person to do so. I was assured in person in XXXX my account was closed, during this time they continued to accept charges and assess fees for overdraft and maintenance despite never having over draft protections or ability on my account previously.

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