vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: VA

Complaint narrative:
There is a collection account on my Equifax report from fair collections. This was previously disputed and removed from my credit and has now reappeared. The account was paid and was never late. Equifax refused to remove it before so I reported them to the CFPB. They then removed it but now it appears again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Red Cedar Associates LLC
State: OH

Complaint narrative:
Yes. Red Cedars Associates in New York should be shut down. They affiliate with XXXX XXXX XXXX another corrupt company. They called me said they would serve me papers on this date, and would not disclose who they were. They pretend to be a law agency and they are not. They scare people and what they do is illegal and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
PROSPER is deducting money ckecking account. I have them to stop there transfers, but they keep on doing it. 

{$2500.00} a month e

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also TransUnion and XXXX are reporting new hard credit inquiries from XXXX XXXX  XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

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 2019-05-14 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: ERC
State: NY

Complaint narrative:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX  and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Yes. XXXX outsources to XXXX XXXX who outsources to a debt collection agency. XXXX never sent a letter confirming they owned the debt. They use sneaky tactics like outsourcing to XXXX to debt collection agencies. They use a collection agency, United Credit Bureau in Ohio who are unprofessional and scare you into paying what you can not afford. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: DE

Complaint narrative:
This involves Equifax credit bureau and the furnisher : XXXX XXXX XXXX who are providing knowingly incorrect information on my credit file and Equifax refuse to remove it even though proof was provided. XXXX XXXX claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the Plaintiff ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to XXXX XXXX XXXX XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, XXXX XXXX still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to Equifax on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not Equifax!!!! Both are illegally falsifying the debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ascendium Education Group
State: PA

Complaint narrative:
We have repeatedly been harassed by collection agencies for debts that DO NOT BELONG TO US.  I have had to turn off my home telephone do to the non-stop harassment, even though the agencies were told by the PA Attorney General 's office to stop contacting us for someone else 's debt. Now I see you are thinking of giving even more HARRASEMENT Services to collection agencies who don't even verify whom they ae contacting @!!!!! 

Just last month my husband 's EMPLOYER received a call on their personal Work cell, which resulted in an error being made in verifying whom my husband was and they had set up GARNISHMENT of MY HUSBANDS WAGES to the tune of {$60000.00} for someone else 's DEBT!!!! 

EXCERPT OF EMAIL HE RECEIVED : On Thu, XXXX XXXX, 2019 at XXXX XXXX XXXX XXXX XXXX @ > wrote : XXXX, I wanted to let you know, we have received a Garnishment Order that requires us to deduct 15 % of your disposable income every pay for payment to Ascendium. This payment will be going to XXXX XXXX XXXX, phone number XXXX reference no XXXX. If you have any questions please contact this Agency. 

I contacted the agency, who repeatedly transferred me to other people till I finally talked to a manager whom I notified we had already previously complained to the PA Attorney General about constant harassment and she verified they HAD THE WRONG SSN for the Garnishment! She then HUNG UP ON ME! 

My husband had to go into his employers office and get a Office Manager to re-contact them and have the Garnishment Removed. Their was an employee error in verifying my husband, but that is NO EXCUSE the Collection Agency should be verifying whom they are owed money from BEFORE contacting someone's employer! 

We were told the Debt was actually owed from someone in OHIO and WE HAVE ALWAYS been PA RESIDENTS! 

We constantly have to reverify ourselves with our LOCAL PA TAX BUREAU as they had received false information that didn't make sense to them from OHIO, as we have been paying them Pa Local taxes all our lives. 

THIS HAS TO STOP! I don't know what they are using to verify whom they are calling but they sure don't verify they are calling the correct people or relatives! and once One agency finds out they are calling the INCORRECT PERSON THEY SHOULD ADD THE INFORMATION SO WE ARE NEVER CALLED AGAIN!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I received a call from ( XXXX ) XXXX advising that there is a lawsuit pending for me from HSBC/XXXX  XXXX and I have not heard anything about this. They weren't able to provide any additional information. Is it not on my credit report and this is the FIRST time I'm hearing of this. I bank with XXXX XXXX and have two credit cards and no issues. 

I asked the lady to stop calling my job and they said they would continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
To take advantage of cash back bonus offered by US bank, I wanted to pay an utility bill in the amount of {$300.00} by using my XXXX XXXX ... XXXX. Instead, I inadvertently charged this amount to my Checking Account ... XXXX by using my debit card ... XXXX associated with the CHECKING ACCOUNT ... XXXX on XX/XX/2019. This mistake, according to the Bank, resulted in NSFs in the checking account. The Bank slapped two fees of {$36.00} each for this lapse ( They, however, reversed one charge later on ). The bank charge of {$36.00} is illegal, and fraudulent due to the following reasons : 1. The account has been handled responsibly and never been overdrawn over its three year long history. The bank created an artificial overdraft by setting aside a sum of {$300.00} for payment to XXXX, but DID NOT PAY THIS AMOUNT TILL XX/XX/XXXX. On XX/XX/XXXX, there were sufficient funds in the account as a cash deposit of {$400.00} was available on XX/XX/XXXX to cover the artificial cash deficiency and Bank never carried any risk of loss due to this made up overdraft. 

2. On XX/XX/XXXX, the Bank called me from telephone number XXXX XXXX XXXX to offer me overcharge protection, which was declined. Therefore, I never opted in for overcharge protection.However, I found to my utter surprise, on XX/XX/2019 that the Bank had set aside funds for payment of utility bill rather than bouncing back the charge. Therefore, I had to make an emergency deposit of {$400.00} to cover the set aside HOLD on funds. This reprehensible behavior of the Bank goes against the very spirit of the consumer protection laws, when it enrolls customers in overcharge protection without their consent and knowledge. 

The Bank may be asked to refund the illegal charge for fees in the amount of {$36.00}. Further, the Opt in practices of the Bank for Overcharge Protection need to be carefully investigated.

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 2019-05-14 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: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. XXXX 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 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: NM

Complaint narrative:
My mortgage in serviced by HomeLoanServ Inc. I am having problems with my escrow account. My mortgage payments go up every year, but the customer service reps tell me something different every time I call. There is not case notes in the account that I have called several times to get the issue resolved. I am explaining the problem I am having over and over again, because there are not notes to go back to. My total mortgage amount stated out at {$680.00} now, it is now {$750.00} in three years. Last year, they said my escrow had a short fall of {$300.00}, I paid it and they guaranteed it went towards the escrow. They said I needed to pay an extra {$25.00} to cover the shortfall that I had already paid in full, ( I thought ). I paid the {$25.00} extra for 12 months. This year I have another shortfall and will pay another {$20.00} per month. I have never missed a payment or had a late payment. The accounting is off somewhere and I need to know what is happening to my account. I would like to retire in the next 4 years, but is afraid my mortgage payments will be over {$1000.00} a month at retirement with this company. Please help! Thanks so much

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see page 2 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: TX

Complaint narrative:
In XX/XX/2019I recieved a call from XXXX XXXX XXXX stating that I owed a debt. I requested that they send me verification of the debt in question and they did not. They sen t me a bill instead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
What is happening with this loan is the interest rates are crazy. It's like they set students up by lending them this loan and then they are stuck paying interest only forever. I pay about 300 each month and it just goes to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2019 Paypal permanently limited my account with no warning.I have talked with several customer assistants and they can't give me any information on why, just that it shows a violation of the acceptable use policy.I think I have had the account for 18-19 years and never had the problem before.I have sent emails to the Paypal violations department and just get automated responses staing the same thing that the customer assistants tell me.Also they froze the money in my account ( {$15000.00} ) because they said they have to be able to reimburse people for chargebacks if they occur.I think I may have had one or two in the past 10 years.So I don't think full amount needs to be held.I sell on XXXX and this is only payment method accepted so as of now I can't sell on there.Also the money in my account was used for necessities and is not available for me to use.I understand if they don't want my business that is their decision but I don't think I should be held in the dark on what my violation was.My items are compliant through XXXX and nothing I sell is illegal.After this happened I have read a lot of stuff online where this has happened to many other customers.I would appreciate in any help in finding out what the problem is.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
I was in the process of having my mortgage re-negotiated with XXXX XXXX when my home was lost in a fire. I owed at the time {$130000.00}, I received an insurance check for {$190000.00}. I had plans to rebuild. I learned that XXXX turned the mortgage over to Bayview Mortgage and the {$190000.00} disappeared and this has left me with out a home. I have made many attempts to find out where the money went because there was a second mortgage on the house and it was not paid, I'm paying it right now. The check was made out to XXXX, myself, XXXX XXXX., and I can't get an accounting of where the money went and why my home was not rebuilt. 

I did pay an attorney {$3000.00} to look into the matter but he has ripped me off also. He will not answer his phone. It was XXXX XXXX XXXX in XXXX, NJ. I'v tried reaching him many times. I just want someone to tell me where the money went. I'm retired after 34 years of XXXX XXXX. and my husband served over 20 years in the XXXX. I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: GA

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on the XXXXXXXX XXXX partial account number XXXX. This account has been paid off. The status and coding of this account needs to be changed. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I received a report from early warning in which it listed banks on my report that I never was associated with XXXX XXXX XXXX is reporting and I would like to get this account removed from Early Warning being that the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Solutions Group, LLC
State: KS

Complaint narrative:
XXXX XXXX received another phone call today XX/XX/XXXX from XXXX XXXX XXXX ext XXXX after I spoke with him yesterday and told him is not allowed to contact my employer. This second complaint is a follow up complaint to the complaint I filed XX/XX/XXXX ( complaint ID XXXX ). During today 's phone call with HR Mr. XXXX disclosed that he is attempting to collect a debt for a payday loan and that I am going to be served for breach of contract and financial fraud. Mr. XXXX asked what the company protocol was for an employee being served at work. Mr. XXXX was informed yesterday that my employer has requested that he no longer make contact and has once again provided information to my employer regarding a debt for collection.

Company response to consumer: Untimely response