vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: NY

Complaint narrative:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this 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 explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
A fraudulent account was opened in my name and i have been trying to resolve this with TD Retail Card Services. The opening and purchase occurred in another state. Company refuses to remove from credit report. I've tried to resolve this over the phone but can't get through to their customer service in a reasonable amount of time. Have spent hours on the phone waiting for a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I gave XXXX XXXX XXXX access to my Capital One credit card to transfer funds to me. XXXX XXXX made an electronic telephone payment on XX/XX/2019 and then reversed the payment that took my account over the credit limit of {$15000.00}. I called Capital One and they said the account is closed and restricted so they will not discuss my account or provide any information. XXXX XXXX   XXXX took similar actions with my XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 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 — Investigation took more than 30 days
Company: Conn's, Inc.
State: TX

Complaint narrative:
its on the ftc attached the ftc violations and names conns and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I found a debt collector under the name of I.C. System, Inc. on my experian credit report, attempting to collect a debt for " XXXX XXXX XXXX ''. I have no knowledge of this debt. They have not sent me anything in the mail to make me aware of the debt, nor have they tried to call. I disputed this through XXXX, but they reported that they have confirmed the debt. How do you confirm a debt and I have not heard from anyone about this at all and have no knowledge of any of this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 

XXXX  looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now XXXX XXXX XXXX is trying to add this to my Experian credit report illegally under the account number XXXX and claiming I owe {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with Experian versus my report with XXXX, youll see that they took this matter very seriously and deleted these very quickly as they saw they were fraudulently added under different names, amounts, account numbers and addresses. 

Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : XXXX XXXX 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 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
A new mortgage company has taken over our loan, but we can't contact them. They don't answer their phone nor return emails. They raised our mortgage payment up even thought we are in a fixed rate. But they are doing things without contacting us but only by mail but the don't answer any questions or concerns. We paid 3 mouths in advanced to make sure anything fishy could happen. They are not even acknowledging we made those payments. Its nerve racking and disturbing. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
its on the ftc attached the ftc violations and names XXXX  and XXXX 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 2020-03-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
its on the ftc attached the ftc violations and names XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mortgage Modification Plan 1st Payment of 3 consecutive payments was made XX/XX/XXXX XXXX Payment of 3 was scheduled for XX/XX/XXXX but never taken from my checking. Mortgagee said there had been a stop payment issued, and said my Mortgage Modification Plan was in default and therefore denied. 

No stop payment was issued by anyone on the account. I appealed their decision on XX/XX/XXXX. I have not heard any follow up or decision regarding my appeal. As of XX/XX/XXXX my home is in foreclosure status. My account has been referred to their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by XXXX XXXX ( Clothing retail company ). The amont was {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the XXXX XXXX casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name XXXX XXXX ( Midland Credit Manag ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the XXXX XXXX was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
RE GMAC Financial Leasion XX/XX/XXXX Turned in my lease to the dealership XX/XX/XXXX called to check on status of my bill. Told me it may be up to 90 days. 
XX/XX/XXXX called again to check on status as was showing up as unpaid debt on my credit reports. They told me this was impossible since the bill was not completed. 
XX/XX/XXXX After failing to acquire a loan b/c of " overdue '' charges, to my GMAC Financial, I spoke with " XXXX '' and then " XXXX '' who noted " there was trouble with the system '' and they would expunge the negative report from my credit ( did happen ) ; send me a copy of the correspondence ( failed to do this ) and refused to have someone reach out to me RE what went wrong and how they would correct this in the future. 
XX/XX/XXXX. Seeing again, that money was owed to GMAC financial on my credit report, I spoke to " XXXX '' and then " XXXX '' who was unsure why a bill had not been sent ( after again confirming my correct address ). Again, they essentially refused to have someone reach out to me. This has taken hours of my time to resolve and created financial stresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian has a record on my credit report of a debt, now paid but paid late and having gone into collection, for XXXX in 2017. I never had XXXX, my info was stolen from Experian 's own data leak I am guessing, so they simply " updated ' account because the hack/fraudster paid the bill. I did not. Still on my report. Experian will not remove it.

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 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Land Closing Services, Inc.
State: WI

Complaint narrative:
My company, XXXX XXXX XXXX, is a XXXX XXXX in XXXX, WI. On XX/XX/20, the sale of a business we had listed Closed.  Unbeknownst to me, somewhere in the process of the Title Insurance Company completing their paperwork to release the funds, our wiring instructions had been hacked ( email ) along the way and our commissions earned ( {$90000.00} ) were wired to a bank account in the XXXX. 
I have filed a formal complaint with the State of Wisconsin Office of the Commissioner of Insurance. They sent a formal letter with my complaint to the title insurance company, XXXX XXXX XXXX in XXXX, WI. The Attorney for XXXX XXXX XXXX did contact me and asked for any information I have regarding preparing for the sale to Close. Within 24 hours I sent the information I had for them to review.

One additional factor for me asking for the evidence is from what I have seen in the email that I was told they used to approve the release of the funds, included a reference to a company that was not involved in the transaction at all. 
In my conversation with the WI Office of the Commissioner of Insurance today, they provided me with the information to contact your group.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am currently a customer of Citibank. On XX/XX/XXXX I noticed 2 of my checking accounts were overdrawn, both my primary and my secondary checking accounts. My primary account was overdrawn - {$81.00} so I deposited in the amount of {$95.00} to bring the account current. A transaction presented was returned so my account was positive. 

Today on XX/XX/2020 I saw the account that was positive is now negative again. When I called Citibank I was inaccurately advied that it i a federal regulation and that the bank can offset any negative balance. 
I asked what regulation and after being placed on hold for almost 10 minutes, the agent XXXX returned to the line and quoted me that Regulation Z permits banks to offset depsotiory accounts. 
read reg Z online while on the phone with the agent and he gave me a link and told me that this is the law https : //www.fdic.gov/regulations/laws/rules/4000-6100.html. 
Upon viewing I advised XXXX that this is a depository offset as a result of a failed financial institution. 
I asked if Citi is a failed institution and XXXX resonded no. 

My concern is Citi is trying to mitigate risk and eliminate risk so I understand why they debited my positive account. 
However, they debited my account not accounting for the items pending. So in an effort to resolve 1 account they overdrew another. 
I called and advised them of this and asked why they would take out more money than I had when there are items pending. 

I was advised by supervisor XXXX that pending POS transactions don't count toward the balance. Because pending items can fall off Citibank takes into account the balance without factoring in the pending transactions. 

I felt that was a wrong practice. Pending transactions are authorized and are just waiting to post unless I advised otherwise and should have been factored into the balance when determining what the proper amount to debit was. 

Now in an effort to offset a negative balance, they created an overdraft. If they took the difference 1 account would be overdrawn not 2 again. 

This account received a bi-weekly direct deposit as does all of the accounts I have. 

When I addressed if they could reverse it they advised it could not be reversed. 
I asked if I could be considered for an OD refund and was advised I could not.

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 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST FINANCIAL SERVICES, INC.
State: OK

Complaint narrative:
Your choices don't exactly fit my situation, but if you look at the online call reporting sites you see this is obviously a debt collection scam. A phone message comes in from XXXX or a similar number with a recorded message stating this is an effort to collect a debt and I or my attorney must call back to XXXX. They never mention my name or their name or the name of the company to whom I supposedly owe the debt. The message always cuts off right before they are supposedly giving a reference number. I have not called back, as this is not a toll free number, but others who have reported this number ( the XXXX number ) have attempted to call back and they are hung up on when they start demanding information about the supposed debt. Apparently the entity using this call back number does this every tax season. I am in the middle of Chapter XXXX bankruptcy. No legitimate debt collector would be calling me.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a tour with my CITI card in XX/XX/2019 because it offered {$5000.00} in trip cancellation and protection insurance. In XXXX of 2019 this benefit was cancelled for new purchases but I have been assured that since my purchase was before the cancelation that it is still in effect. 

My tour company requires that I send the benefits wording in writing. I have called the benefits vendor ( CITI ) multiple times to get a written copy of these benefits. I've been told verbally that I do have the benefits but have been refused written proof. 

I had saved links to the original benefits but CITI had already removed those web pages and replaced it with current benefits. So without written proof, that CITI is refusing ( multiple times ) to provide me, these benefits will not be recognized by the Tour Company.

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 2020-03-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Conducting various transactions with PayPal, a handful of transactions have caused me issues. Specifically transactions for the first part of 2020. While the transactions have bounced back and my bank deemed not paid, I continually have hundreds ( currently approximately {$500.00} ) in NSF Fees. Further, PayPal constantly transfers an amount at a arbitrary date of their choosing. Every time I get a notice, there is no express indication that they are going to retry a payment at a specific date ( example, we will retry payment in 3-4 business days ). The emails do not provide a specific date. I am unable to keep up with the transactions, I have attached the transactions from PayPal for the last 2 months, and my bank account transactions for PayPal. Additionally, I attached the emails.

Company response to consumer: Closed with explanation