vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.

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 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC
State: FL

Complaint narrative:
Company is marketing a loan offer, but appears to be trying to provide credit counseling services instead. When I asked the representative if this was a credit counseling program, she said no it's a loan and it's not like credit counseling programs which damage your credit. 
The financial product that was described to me sounds exactly like a credit counseling program. I asked for the contractual terms of the program, so I could review them to ensure this program would not damage my credit. The company refused to send me the contractual terms stating that I had to go further in the process according to the FTC before they could send me anything. I only wanted to confirm this isn't a credit counseling program and now based on my last email with them, they do say this could damage my credit. 
My concerns are that 1 ) the company is falsely marketing their financial product, 2 ) the company is actively trying to deceive during phone calls on what financial product it is offering, 3 ) the company is refusing to send contractual terms for consumers to review the product until they have verbally agreed to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX bought this account from Portfolio Recovery Associates, LLC - I spoke to PRA let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Reminder complaint XXXX Dear Ladies and GentlemeXXXX, please note the attachment. You're closed the complaint. But I'm not agree. 

Best regards, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
Filed unemployment on XXXX was approved for the filing couple days later. Never received a card from the approval. Started calling on XX/XX/XXXX with no answers. Finally got in touch with someone on XX/XX/XXXX where I was told my card should have been there the XXXX and to wait the weekend because the mail might be backed up ... never received the card. Have tried calling at all times of the day since XX/XX/XXXX and still no answer or way to get into contact with someone. Call the card company and tell me to enter a card number that I dont have.. after 3 attempts it will just hang up on you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}

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 2020-07-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}

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 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX in XX/XX/XXXX as a referral from my doctor for XXXX XXXX. I specifically put XXXX XXXX on the patient form for the reason of my visit. However, what I received was an eye exam and a re-diagnose that I have a XXXX. At the end the doctor told me he does not perform XXXX removal and I have to go to a different doctor. I was not charged anything during my visit and no one told me I owed anything. However, months later, I received a bill for my visit for {$200.00}. I called the office to inquire about this charge and they said it is the consultation fee. I was very shocked to find out I have to pay this amount for a consultation that was merely telling me I have a XXXX, which I already know before going to XXXX XXXX XXXX. They did nothing to remove my XXXX, and did not tell me how much the consultation would cost up front. I was already diagnosed that I have a XXXX and the reason of my visit was for the removal, not to re-diagnose and tell me they do not do any XXXX removal. 

I attempted multiple calls in the following months to XXXX XXXX XXXX. They were very hard to reach due to their limited hour of operation. The billing specialist also told me to speak to the manager who was on vacation. After multiple attempts no one was able to address my issue. 

On XX/XX/XXXX I called Transworld Systems Inc. The Debtor agency about this incident. They told me to contact XXXX XXXX XXXX directly. All I wanted is to settle the amount I owe at a fair price. I do not think being charged for merely telling me I have a XXXX, which I already know ( obviously ) is fair. Also, no one has disclosed me what the charge will be. Had I know I have to pay this outrageous amount for something I already know, no one in their right mind would agree to the service. 

Today I tried calling XXXX XXXX XXXX again thinking they would've opened after the pandemic in last attempt to resolve this issue. However, their phone number is no longer in use. 

They can not just send me monthly debt collection bills without attending to my attempts to settle or even trying to justify their collection. 

I feel I have been scammed and unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
Every time we dispute with the collection agency and they remove the collection that has already been paid, they sell it to another collection agency that then adds it as a new collection on our credit report, damaging our credit. The bill was originally owed to XXXX more than 8 years ago, and we paid this debt off the end of XXXX. It is now showing up again as a new debt on XX/XX/XXXX with ERC. This is now affecting our ability to buy a home and receive a good interest rate. It is currently only reporting under 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 2020-07-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Recently, I disputed the validity of an alleged collection account, with XXXX XXXX XXXX, and " XXXX XXXX/Comenity Bank '', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted XXXX XXXX, on XX/XX/19, via Certified USPS Mail ( XXXX ), to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, XXXX XXXX, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, XXXX XXXX, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. XXXX XXXX, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts, XXXX XXXX, and Comenity, continue to report this account in error to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX I was made aware by UAS that I had a payment for my XXXX Loan  coming due. I am in the Georgia XXXX XXXX XXXX and am enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SLRP ) and between disbursements I put my loans into mandatory forbearance. When I received the email informing me that a payment was due I completed the form for a mandatory forbearance form ( attached ) and sent it to UAS requesting it be applied to my account. The next day I received an email response ( attached ) telling me that I used the maximum amount of forbearance 36 months and that no further forbearance could be applied to my account. I have no idea how this is possible since I have only applied for mandatory forbearances with the exception of one deferment in XXXX when I was XXXX in XXXX. I believe they have applied my mandatory forbearance to my general forbearance time limit. When I called them on the phone to resolve this I spoke to a XXXX XXXX who informed me that they would not place a mandatory forbearance on my account, even after I told her it was mandatory for them to do so, because I had exhausted my 36 month time limit, and that that time limit applied to both mandatory and general forbearances. She told me that I had no other option than to pay the due amount immediately. My service to this country met nothing to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was in the XXXX and was required to get a government travel card for travel only which was opened XX/XX/2019. The card is to be used during temporary assignments only. XX/XX/2019, Ive traveled to XXXX in which the military will deduct any payments from your pay to pay off the card. The card is only reported to the account when there is an unpaid balance. The XXXX reassured me that the card was paid off to zero balance and to ignore any letters I may received which I did. The bank citi which is the bank for the travel card waited til last month to post the account to my credit with months of pass due without posting when the debit was created. I was told plenty of times the XXXX have paid it but did not so I paid it and should be reimbursed by XXXX but due to coronavirus no one is working on base to give me a follow up on this matter. I requested that the account be removed since it was resolved and it was not my fault why the account not being paid on time by the military. I been out of the XXXX since XX/XX/2019 and I feel they forgot about the debt and allowed me to be responsible so they would not have to

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 2020-07-06 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I would like to report Navy Federal Credit Union Mortgage due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and Navy federal credit union mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
showing ftc vioalations proven 
filed ftc also XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: VA

Complaint narrative:
When I completed Vio Bank 's online application process for a " HIGH YIELD ONLINE SAVINGS '' account ( at XXXX XXXX XXXXwww.viobank.comXXXX  XXXX, I got the following message : Unfortunately, we can not process your application. 
For assistance, please contact us at XXXX. 

When I called that number and spoke to XXXX ( sp? ) and XXXX, they both said they could not provide a reason for my rejection. However, I told them I needed to know because it may be an issue that I could correct, such as a credit freeze ( which is on my account because of past attempts to steal my identity ). I know I do not have a credit freeze on XXXX, but am unsure about XXXX  or XXXX. I told XXXX that, under the Equal Credit Opportunity Act ( ECOA ), Vio Bank is required to tell me the specific reason [ my ] application was rejected. However, she adamantly refused to provide those reason ( s ) [ either orally or in writing ].

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 2020-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I filed a previous complaint # XXXX. This complaint was apparently closed without proper research, no one apparently even bothered to look at the attached bills or contact the insurance company XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX. Amerisave claimed in the complaint that the insurance policy was paid in full, it is not. In my opinion Amerisave must have relied of their obviously flawed closing documents, never even reading the attached bills. 

I HAVE NOW RECEIVED A NOTICE OF CANCELLATION FOR MY HOMEOWNER 'S POLICY. 

An escrow account was set up at closing, and I have continued to pay toward this escrow with every mortgage payment since.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDisputeXXXX XXXXDispute

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 2020-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute

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 2020-07-06 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: CO

Complaint narrative:
Below is the dispute I sent to XXXX XXXX, Transunion, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( Transunion and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, Transunion, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB.

Exhibit 1 ( Equifax lender report ) Exhibit 2 ( Transunion and XXXX  Report ) Inaccuracies : 1.  XXXX ( Highlighted in yellow ) a. XXXX  reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX   of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. Transunion reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete.

Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 (  Compliance code conditions and reporting guidelines ) Thank you, 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 explanation