vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: MI

Complaint narrative:
Back in XXXX, I had a XXXX XXXX XXXX XXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXXXXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a zero balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.

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 2018-09-21 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: IL

Complaint narrative:
OnXX/XX/2018, I wrote to XXXX, XXXX , & TransUnion informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. XXXX  XXXX XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 TransUnion & XXXX Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who TransUnion & XXXX spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.

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 2018-09-21 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: AZ

Complaint narrative:
My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: AZ

Complaint narrative:
My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.

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 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Loan was originated on XX/XX/XXXX. Ally Bank was underwriting my loan. I was told i had to pay off my personal debt in order to get a better rate of 4.375 % provided all personal financial statements, income, Social security numbers, pay stubs, proof of funds, paid off my debt in the amount of XXXX in order to get the 4.375 % rate approved. the rate was approved by Ally Bank on XX/XX/XXXX. I have supporting Loan disclosures and numerous emails and signed documents from Ally Bank. I am scheduled to close on XX/XX/XXXX. my 4.375 % interest rate is locked in until XX/XX/2018. i get a phone call from Ally Bank on XX/XX/XXXX that they made a mistake in underwriting and i don't qualify for the 4.375 % rate. the new rate is 4.75 %. my credit is excellent, the home appraised for more than the loan. Now i am in jepoardy of defaulting on my contract of sale and could lose my deposit on the purchase of my new home. now the bank is not responding to repeated requests to remedy this situation. how do i sue Ally bank for the cost associated with 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 2018-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally  contacted me giving me so many lying stories I could not keep up with the changing stories. 

As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. 

I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: IN

Complaint narrative:
called Equifax to get freeze on my credit. had an voice answering service. I could not get a person to speak to. found their online sign up for a credit freeze got all the way to the end and they said you must put in a number they would send to your email account. I lost my internet connection had to start over because number is valid for just a few minutes. tried to fill out the info again and was told I already have a account I tried to enter the account and was told I could not enter at this time. This of course is because I could not enter the number they sent in the allotted time. Now I can not freeze my credit with them. My identity has been compromised within this last week so I need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Stating that the address and phone number listed on the application verified to me, and the card was activated from a phone number that verifies to me DOESN'T SOUND SERIOUS!!!!!!!! In addition, identity verification was completed from the verified phone number during the application stage. 
Please I need the Proof that the person you tried to contact is ME!!!!!!!!!

First the account was opened without signature, second it was somehow verified without even understanding who is this person I need real proof otherwise you can sue me, it's even better for me as I can proof that I NEVER opened any accounts!!!!!!!!!!

I gave the proof ( I-94 form ) that I wasn't in a country at the time the account was opened.

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 2018-09-21 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:
I contacted XXXX XXXX XXXX two months ago to request that my credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy that was filed XX/XX/XXXX. The XXXX XXXX account on report was corrected about a month ago but this month the account is again showing charge off collection/skip status, which is violation of chapter XXXX bankruptcy stay of creditors. 

Although again attempting to resolve this issue, XXXX advised me to once again dispute with Equifax ( copy of email attached ). I have disputed online previously with no success -- only XXXX was able to update report couple months ago. This same issue has occurred with two other creditors as well and ONLY with Equifax, not the other credit reporting agencies. Equifax continues to change accounts that have been included in my ACTIVE bankruptcy for nearly five years to charge off/collection status, which has been VERY INFURIATING. If my Equifax report continues to show unlawful information for accounts included in my bankruptcy case, I will be filing a lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy automatic stay statutes. Enough is enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX money transferred to XXXX via XXXX service on BOA 's mobile site. 

Person was a scammer, never received goods as promised. 

Called bank within minutes of transfer, they can't help me, said they could only get the money back if the person agreed to give it back. 

We should be protected for money sent through an offering on their website.

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 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have an outstanding CC balance with XXXX XXXX that has been entered into a debt settlement program with XXXX XXXX XXXX. XXXX XXXX has turned this debt over to Portfolio Recovery who has been calling my phone at least 5 times a week over the past 3 months, usually during the week and sometimes on the weekend, but has yet to leave a voicemail. I know it's them because the debt amount to XXXX XXXX has shown up on my credit report with their name. EVERY TIME THEY CALL IT'S FROM A DIFFERENT NUMBER!!! I'm not going to answer phone numbers I don't know, especially not while I'm at work, but I consider this harassment because they NEVER leave a message. If calling me is so important to them, then why no message? This is absurd and I want it to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company 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 2018-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD.

This is unfair how can they charge me more than interest earned from the CD.  My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened an account with Huntington Bank online, because they offered a generous bonus for account opening.

Their web site does not allow electronic transfers from an outside account, although there is a link for it. I tried several times over a period of a week or so, but it never worked.

I phoned the bank and the rep said that that function hasn't been working for a long time. She seemed very inexperienced and I felt uncomfortable and I told her to close my account.

I recently received a bank statement in the mail which showed that the account was still open.

CFPB should investigate this bank. I suspect a scam because : - Generous account opening bonus shows a desperate need for quick funds - Customer service rep didn't seem to know what she was talking about - Web site did not work for one of the most basic and necessary functions ( transfer funds ) - They did not close my account as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
Complaint against National Commercial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Toll Free : ( XXXX ) XXXX Telephone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX NCS was withdrawing {$100.00} from joint back account for a year. When my relationship ended with that person he called NCS to change the bank account information that the funds were withdrawn from. NCS continued to withdraw {$100.00} from my account and refused to work with me to get the issue resolved. They maintained the payment was returned non sufficent funds, which was not the case as I have bank statements to prove other wise.

I attempted to talk with XXXX  who was rude, said he doesn't need to talk to me, and when I requested a supervisor he refused. NCS does not attempt to work with people when they have made an error and will not allow you to speak with a supervisor.

By them taking this money when they were not supposed to, it caused my mortgage payment to bounce and incur additional fees. I also lost time at work having to be on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I moved into XXXX XXXX XXXX  in XX/XX/XXXX, or towards the end in XX/XX/XXXX. When moved in they seem to be nice, but the apartment was not completely clean. I have a witness that can state it still smelled like animals when I moved in the kitchen draws we're not fixed, stove and fridge was not clean. They did take care of it eventually. They made us get renters insurance for XXXX dollars a month which I was glad of because it was a malfunction on the stove and it caught a fire I made the claim and told insurance company my personal belongings were ok, and that they could fix their equipment if they filed a claim because there is a XXXX  deductible. I then told XXXX XXXX and their response was Did we charge for anything? And dismiss it, but I did not because I felt that was strange. I told the insurance person that they would be in touch. When it got close to the end of my lease they started to pressure me to sign a new lease, when I did not I was late on my last month which was XX/XX/XXXX and they kicked me out immediately and would not work me. As a matter of fact we had to pay utilities through them and they let my toilet run water for two weeks without fixing it, another reason why I was not reluctant to pay my full rent. They kicked me out and told me I had to leave to save them costs on an eviction process which I did not understand how that worked. The day they told me that I moved out. They are trying to get 2-3 thousand dollars out of me which they know I do not have, I do not owe, and out of spite. What makes matters worst they were so underhanded when I asked what it was for they asked was they v being recorded and come in and talk about it. This matter is not on my credit report, but they have it posted on my rental history to keep me from getting a new place. They reported to a lawyer for collection, but yet in still it was not posted on my credit report to dispute. XXXX XXXX is not a good place to live because it is some underhanded activities going on. When you do not sign a new lease it is a problem and they definitely will try and over charge you. I feel like there is some defamation of character going on because I stayed there a year and now in the end it was a problem. It is also conflict of interest because it should have been on my credit to dispute it has been over a year and they would not mind talking on the phone about the dilemma even if I was on a recorded line and they have nothing to hide. I am currently pregnant and this situation has put unnecessary stress on me, and caused undue hardship because instead of working with me on the rest of the last month rent, I had to move my stuff, find another place, and making it difficult for me to find somewhere decent and affordable to stay. I would not give them a recommendation for future tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This Debt was proved not to be mine and was removed from my credit report before now its placed back on by another another collection company.

Company response to consumer: Closed with explanation