vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank indicated late payments in spring 2019 which are not accurate, the bank changed the loan payment date without notifying me. This is showing as a delinquent account open on my credit report. I resolved this once I became aware. All payments have been made and in the correct amounts ( almost all payments are more than the minimum monthly payment ). I called the bank and spoke to several people who all agreed that the account was not delinquent. However, all told me they could not assist with removing the open collection indication from my credit report because they did not know how to do that ; they told me they could only assist if my account was actually delinquent. The bank also claimed to not have a legal department. 
The bank then advised me to contact the CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone. They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or about XX/XX/2019, as a result of a promotional offer of zero percent balance transfer, I applied for and received a XXXX XXXX card. At that time, I requested that a balance transfer of {$4500.00} be applied to my XXXX XXXX ( higher interest ) credit card. It did not get processed. Several weeks later I inquired regarding the status and learned that my request was never processed. At that time, the Customer Service Representative offered to put it though based on our phone call. I provided the requested information and assumed it would be done Several weeks later and after not seeing the transfer hit my XXXX XXXX account, I received my normal statement from XXXX XXXX regarding my ( low interest ) car loan. It became evident that somehow XXXX XXXX directed my balance transfer to my car loan account and not to my requested credit card account. 

Upon speaking with XXXX XXXX Customer Service, I was initially told that I must have provided the wrong account number and it was my mistake. Upon further checking Customer Service verified that they had the proper account number, but nevertheless could not determine how the mistake was made saying further, " that because the funds were already transferred and accepted by XXXX XXXX, they were powerless to do anything and that it was up to me to find a way to " fix '' the situation. '' Ultimately I asked that my call be escalated to a Manager, who essentially refused to acknowledge that the mistake was theirs, however, he indicated that my balance transfer fee would be refunded and the incurred interest, up to {$100.00} could be provided to me. The incurred interest at the time was an amount in excess of {$100.00}. XXXX XXXX has refused to accept any responsibility for their error and the balance transfer fee was not refunded. I would not accept an amount less than the incurred interest.

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 2020-01-11 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: MIDFIRST BANK
State: MO

Complaint narrative:
My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. XXXX  however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX  on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX   customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the 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 non-monetary relief
Consumer complaint received 2020-01-11 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glasser and Glasser, PLC
State: DC

Complaint narrative:
XXXX XXXX XXXX has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency Glasser and Glasser as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale Glasser and Glasser has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 ) request XXXX to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
Glasser and Glasser regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by XXXX XXXX XXXX without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX  ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
WE have had this account with Bank of America for yes, one of the workers told us he wanted us to get the most out of our account. WE explain was happen but he told us we would not be changed any fees, if we change the account to update it. 
This was a lie. Account is being charges fees, why ( my check has been going to this account for years, plus, a saving account with, our home loan, and a credit card is attacked to our account. 
However this bank want to charge us fees which, MY wife tape recorded the person that stated they had fixed the account and would not be change any more fees. 
As of XX/XX/2029, fees are being taking out of account. Which we were told no more fees will come out of the acccount. 
We want your office to look into this matter and listen to our tape recordings.

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 monetary relief
Consumer complaint received 2020-01-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made. 

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date. 

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

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 2020-01-11 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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:
Back in XX/XX/XXXX, we were trying to place a credit freeze on our credit report for security purposes. Of the 3 credit bureaus, Equifax has been an extreme nightmare. XXXX and XXXX were exceptional in the  ease of placing our freeze, however Equifax took several days before we could even speak to someone who could help assist and we couldnt access their online services. Fast forward to today, XX/XX/XXXX and we went to lift the freeze. Again, with XXXX and XXXX we were able to lift the freeze effortlessly online within seconds. We tried to log in to our online account to remove the freeze but their system wouldnt allow us. Equifax, yet again, can not help us because their systems are updating in the middle of the day which we finally found out after calling multiple phone numbers listed for them. My problem is with the inability to contact them and to speak with a representative. It would be different if there was a choice to use them but there is not. If they can not take care of a minor request, why are we using them? They are absolutely terrible and should be held to much higher standards if reporting something as secure as our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
XX/XX/2019, I lost my money order at Walmart  supercenter XXXX was informed by Walmart  that MoneyGram did not allow cancel and replace of money order.i called MoneyGram, therefore, MoneyGram stated replacement of money order was not allowed, by businesses.businesses are required to cancel and replace money order that are lost and stolen, which I later found out.moneygram replacement request case number :XXXX.amount $ XXXX.replacement amount would be {$360.00}, for delivery state of Georgia, because processing fee - {$18.00} and delivery fee- $ XXXX-both-removed from XXXX money order replacement.moneyorder was later found and returned.i cancelled replacement money order-tracking number-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: I.C. System, Inc.
State: CA

Complaint narrative:
What continues to happen is that an old collection from XXXX XXXX XXXX ( which I have no knowledge of ), keeps transferring from agency to agency, who then illegally " re-age '' the debt and place the debt back on my credit report as if it is new. Firstly, the debt, from my recollection, first appeared as much as 7-9 years ago. This alone makes the debt beyond the stature of limitations for collection. This re-aging has occurred before and I had to take steps to have the item removed, only to have it re-appear on XX/XX/20. Previously, the debt appeared under " XXXX XXXX XXXX '', among others. Please take action to notify the company that such re-aging actions are illegal under FCRA, FTC and CFPB laws. This latest instance has lowered my credit scores by nearly 90 points. 
I receive repeated attempts daily from various area codes but rarely a message is left. This appears to be a {$100.00} debt as reported and these companies are freely and repeatedly violating the laws

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 2020-01-11 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: CA

Complaint narrative:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

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 2020-01-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I hold Amazon Chase Credit Card a couple of years. I'm always convinced to try Prime Membership in 30 days free for no obligation cancelation. Last XXXX, I did try it but cancelation with 30 days in website and also handwritten on payment statement. I called Amazon several times that it was confirmed with cancelation and {$13.00} refund will back to my Credit Card. Then, I called Chase Card to request removal about charge but refused. After the statement showed in late fee charged, I called Chase Card several times with very lengthy irrelevant talking and cordially discussed to solve the problem but never be accepted. I requested Amazon sent my cancelation emails a couple times and willing to provide to Chase Card if they provide me their email address that shows they've received refund. Chase Card never did!!!

The most outrageous business practice of Chase Credit Card is doubling original non-existing with two times late fees and DOUBLE AGAIN after I canceled my card and paid everything off except this predatory business practice. They even cut off my calls rudely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have a collection agency " portfolio recovery '' who is constantly contacting me about an account I " owe '' to them. I asked for proof of the original lender or company and they refuse to provide me the information. I sent them a letter and received no response, just threatening and harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with XXXX and therefore any account with XXXX has to be removed.

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