vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: UT

Complaint narrative:
in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX  in XXXX. I have never resided on east place. in XXXX court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XX/XX/XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XX/XX/XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. SFFCU TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX SFFCU. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to screwing up my credit0 do to their Constructive Fraud on the Overdraft loan 80 and the Personal loan 81. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX  to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.

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 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and CAPITAL ONE BANK USA with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I filed 2 disputes with XXXX XXXX XXXX in XX/XX/XXXX regarding the status of a mortgage serviced by Ocwen Loan Servicing, LLC Both times I provided information that clearly shows the loan was paid in full. Ocwen refuses to change the status to paid. They currently have the status as being under a Chapter XXXX Bankruptcy. The property was sold and the loan paid off on XX/XX/XXXX in the amount of {$73000.00}. The Bankruptcy was filed after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recall there being an account opening bonus of {$200.00} for the money market & an account opening bonus of {$150.00} for the checking, please advise why this has not posted yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Specialized Management Services, Inc.
State: TX

Complaint narrative:
I receive calls from numerous numbers daily. I tend to ignore because im either working or are aware of the calls. I have 3 accounts in collections with Specialized Management in XXXX Mississippi. All accounts are medical. XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$850.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$1100.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$740.00} On XX/XX/XXXX i recieved a call from a company called XXXX XXXX XXXX also known as SMG which would be Specialized management group company. I recieved the call from a out of state number than my area code reflects. I was informed that the job i had applied for months ago on XXXX was now available. I was proceeded to be asked how long had i been at my job because punctuality is very important. Then i was proceeded to verify my current job and where i worked. Once given the information, i was given a number to call back and ext in case i had any questions. Once i took the number i was told that the interview would be held in XXXX MS . Although before that she needed my email and my address. Once i realized that this was far fetch because if i applied you have my address. I disconnected the call. Once disconnected i then XXXX the info given to me and found spoofing apps and no known locations. I declared that this was a creditor. I then called SMG to ask my options becasue this was getting out of hand i was given my options. I was told the minimum that i could pay was {$50.00}. I explained i could not do that and asked could i do 5 or 10 i was informed i could bering it in or mail it in. I received a call hours later from my dad congratulating me on a promotion i had received since my manager called to get his recommendation. There was no promotion the same person that called me then called to verify where i said i worked and to ask my dad to verify my address so they could send me information and not knowing he gave them the information. He proceeded to call the number back once the called dropped and there was no trace. This information was received illegitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX in XXXX. I have never resided on XXXX XXXX. in one court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.

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 2019-03-20 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was appalled to find out that not only was the status indicated as Charged off but the company has also indicated that they have not been receiving payments from me ( NP ). In fact, I have been working diligently to the point that they automatically retrieve the payment bi-monthly from my checking account. So it shouldn't be both ways ... .either I've been difficult to deal with that they had to get an outside company involved ( charge off ) or I'm doing my due diligence in trying to comply with their demands. I thought that we had a good relationship since I have been very faithful in repaying to them directly. Now there's this undeserved black eye on my credit report which I feel is not deserving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: IL

Complaint narrative:
fraudulent charges placed on my account merchant agreed items didnt belong to me provided me with a credit XXXX XXXX  told me no payment is due because of the on going investigation and the mark my credit 30 days late which has dropped my credit score 64 Points

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 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally bank is showing me As paid late XX/XX/30 and this is not correct ally bank finance rep failed explained that this was an error in the payment processing on ally bank part and they would Assure I wouldnt not occur any late payment and Fees and now my payment shows late as a result of their processing error

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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX-XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. XXXX TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX.XXXX.XXXX XXXX. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to XXXX up my creditXXXX do to their Constructive Fraud on the Overdraft loan XXXX and the Personal loan XXXX. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.

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 2019-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive never banked with regions before so I shouldnt even have a closed account with them.

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 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX has locked the member out of the account and has disregarded the request for the member to transfer there funds electronically to another account. It's not Navy Federal who is withholding the funds but XXXX XXXX. Therefore, I am making a complaint personally against her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two years.

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 2019-03-20 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-20 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:
My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My father made me an authorized user on his XXXX account, I moved out of state and he provided me with an XXXX card with a {$250.00} credit limit for emergencies. Ever since he provided me with that card my credit score has plummeted almost XXXX points. Every place I look, my father 's XXXX account, and the balance is on my credit score. I am only an authorized user, and since I have such low income, being a XXXX year old, his open XXXX account is wrecking my credit. It is stating that my card has no limit, and that the balance of the XXXX card is {$7900.00} currently. I only have XXXX in real credit card debt, nearly XXXX of that being a financing account. The XXXX account is nearly 171 % what my real credit card debt is. I can not find anywhere that will change that information. I never really bothered to look at my credit, but I finally did, and saw that it was very poor, when not even a year ago it was XXXX. Now it is XXXX and has gotten as low as XXXX. I am working on getting a job, and they run a credit report, and them seeing my current credit score could keep me from getting hired. I spent 5 weeks in training for this job, as well as waited for a few weeks for my license to go through. The job will be a great quality of life improvement for me, about a {$20.00} raise. I already passed the class I spent 5 weeks on. This credit score could destroy my potential of getting this amazing job, and could prevent me from being able to improve my quality of life and pay off my tuition with school as well as pay for rent/utilities/food as I am currently only working part time at about 8 hours a week, because I was let go from my full time job that was my main source of income 2 months ago. I do not have the ability to talk to the company because it is my father 's account and am only an authorized user. My father has not missed any payments on his XXXX account, but he uses the card so frequently every month that there is a constant balance that is effecting my credit score severely.

Company response to consumer: Closed with explanation