vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.

Complaint narrative:
After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and Bank of America even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with Bank of America, it's just really logistically impossible to indicate that it was late.

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 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
After a successful purchase from the buyer who bought my phone, paypal held my funds for three anxious days after that it said I could transfer my funds but as soon as I try to do it they limit my account and said they needed more information after providing the correct information .PayPal just decides to ban my account for no particular reason now I can't get my funds and they leave me here confused and a bit worried. Do your best you can to help. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX  XXXX XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX  XXXX XXXX, it's just really logistically impossible to indicate that it was late.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX XXXXXXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXX XXXXXXXX, it's just really logistically impossible to indicate that it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX  XXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXXXXXX XXXX, it's just really logistically impossible to indicate that it was late.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Seterus is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to Seterus which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality Seterus should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which Seterus then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating Seterus knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... Seterus also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX  XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX  also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXXXXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

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 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: TN

Complaint narrative:
I had a man call me on my business cell phone and asked if my first and last name were blank & blank and I said yes because it was my name. 

He began to get very aggressive with me and screaming at me. He kept telling me I had borrowed money from him and never paid it back. He said that he would get the monies and fees for me making him track me down and refusing to pay. I told him I have never borrowed money from anyone that I have not paid back. 

Yes, I had a rough divorce and was left with insurmountable debt ( XXXX+ ) but I still worked with every company to either pay them off per the agreed upon timeframe. I paid almost XXXX of it off. It will soon be 4 years since the divorce and I am finishing up the last year on the balance of almost XXXX. 

I would not ignore any debt and Im sure any of my creditors will tell you that I am the one that tracked them down after the divorce to pay them back. 

I had used all of my savings paying almost XXXX of debt off. I then called the remanding companies and worked out payment plans. 

I dont owe anyone nor have I ever heard of this man or what he says I borrowed from him. I would have never borrowed the amount of money he said I did. I had money and no need to borrow what I did make in 15 minutes. 

I had someone that had everything in my name and we either had to file bankruptcy or I had to pay it. I agreed to pay it and I have paid off the majority of it with 14 months remaining. 

This man wouldnt tell me his name and said I had no education and that he could tell it was me because I was uneducated amongst many other things I would never ever like to hear again. I get notified over a year later that he has put it on my credit file but he has increased it too. 

I ask for this man to tell me who he is and why he has preyed on me and I would like to sign an affidavit with the DA for criminal distortion of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC
State: DE

Complaint narrative:
I had to get some work done on my car roughly around XX/XX/XXXX. At the time I could not afford the total amount of {$600.00}. 
The gentleman at the register at XXXX XXXX XXXX XXXX suggested I finance the amount of the repairs, which I agreed to and signed. 
A couple of days later I receive a call from XXXX XXXX saying that they had purchased the contract from the XXXX XXXX XXXX XXXX and they would be collecting the payments. 
XXXX XXXX and I discussed the terms of the agreement, which we agreed to. We proceeded to set up EFTs through my XXXX XXXX account which I suggested. 
A few day later I received a welcome letter from XXXX XXXX, reiterating what we had discussed a few days earlier. ( See Welcome Letter Attached. ) The problem happened after they attempted to continue withdrawing funds from my account via EFTs from my XXXX Bank Account. 
I call on XX/XX/XXXX and spoke with XXXX asking why they were attempting to withdraw money from my account after the agreement was fulfilled? ( See EFTs withdrawn from XXXX XXXX Attached ) According to XXXX that was not the contractual agreement and I owed roughly another {$600.00} plus, on top of what we agreed to verbally, and in writing referencing the terms via the Welcome Letter. 
XXXX XXXXXXXX has reported this on my credit report as a collection account. Even as per the agreement I fulfilled my financial obligation for services rendered. 
Also, they have consistently called and ask me to make some kind of payment arraignment for the remaining balance. 
Which I have painstakingly told them the obligation has been fulfilled and I have the letter, and withdrawals to confirm I owe nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: ERC
State: OH

Complaint narrative:
Enhanced Recovery Company keeps re-aging debt. I had a sprint account that was closed in XX/XX/XXXX. Enhanced Recovery Company had the debt for a few years and has now " re-opened '' it on my credit report stating XXXX is 5 months ago ( XX/XX/XXXX ). I've disputed it and XXXX has stated that the debt is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Saturday XX/XX/2019 and today XX/XX/XXXX I have attempted to transfer funds to my navy federal loan and my navy federal personal line of credit but I have been unable to do so because their online site and their mobile app are both down when visiting the online site there is a notification of the outage being planned but you will only see this after you attempt to log in. There were no indications of a planned outage at their ATM, via a email or text and nothing shown on their website or app in advance of this outage. Customers could have planned in advance for banking transactions if they had known of this " planned outage ''. For me this is causing a tremendous issue because I have a loan payment and A checking line of credit line of credit that is due on the XXXX. In my current situation if I do not have it posted to my account before the XXXX my payment will be reported XXXX days late. This outage should have been something that customers were notified of in advance again so that they could prepare in advance, additionally this outage seems to have been planned on a weekend preceding the due date of thousands of customers credit card accounts, personal line of credit, checking lines of credit, and loan due dates which would be the date of the 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 2019-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
OnXX/XX/2019 I was hand delivered a check in the amount of XXXX from XXXX XXXX. On XX/XX/2019 I signed the check and endorsed it to XXXX XXXX so he could deposit it into our joint account. At about XXXX XXXX went into a wells Fargo bank and deposited the check into our savings accounts. The teller on duty said he had to get a manager to verify that the check was good. The manager went into the back office and made a phone call to make sure the check was good. After doing so the manager came back and said everything looks good the money cleared and will be in your account on the following TuesdayXX/XX/2019. ( I have pictures of the check and all recipes ) On Wednesday night XX/XX/2019I looked into my savings account and there was a pending refund return on my account. On XX/XX/2019 the funds were posted return unpaid. I was not notified of any transactions from my account and when I called the bank to verify the problem the tellers accused me of stealing and claimed it wasn't my money. I have sence tried to get the money returned to me and have got nowhere. One of the banks people from the fraud department has called me asking me why someone would just give me a check for that amount. Said he was investigating the case and continued to accuse me of forging a check. He told me that he had been discussing the case with XXXX XXXX and that XXXX continued to say he only wrote the check out for XXXX which is not the truth. The Man continues to accuse me and XXXX of doing something to the check. I told him it was none of his business why someone gave me a check for the amount in question but if he did his research he would see that the check was not altered in any way. The Man ( I'm unsure of his name ) then told me that he would be calling XXXX XXXX back to talk to him more about the case and that I would might have to close my account because of the situation. One week later a bank associate called me to tell me that my account was getting closed and could not give me any reason for why that was happening. I am seeking help to get my money returned to me. I didn't think a bank could take money out of someone's personal savings account without notice or after it had been cleared. I also am going to be going after XXXX XXXX Employer from XXXX XXXX XXXX for making a false claim and taking back honest money.

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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Collection account from CFSI Commonwealth Financial Systems for {$120.00} listed on XXXX report as original source XXXX XXXX XXXX XXXX. Reported XXXX. Disputed with XXXX to verify that I actually own this debt. Have disputed in the past other reporting agencies removed due to cant verify that I owe this debt but XXXX is still continuing to report it although debt has never been verified with original sources of information reported with the original contract or service agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following credit inquiries were never authorized on my Equifax report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to open new Citibank checking and savings accounts in the branch. But the result was that " we are unable to open an account for you at this time ''. My case was failed by the Citibank screening. I am 100 % sure there is nothing bad in my credit report. I successfully opened a new credit card with XXXX XXXX recently. Citibank did not provide me with the reasons why they were unable to open an account for me, even though I requested. I was just told some backend teams may review my case without any timeline or contacts. I also called the Citibank customer service to get some helps 4 times. But they just forwarded me to different departments. None of them could resolve the issue since they did not have the backend team 's contacts. 

The only document I received from the branch is attached. It just tells me that the account can not be opened without any explanation on the reason details.

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