vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a purchase in USD with a non-US company ( XXXX  ) using their US website. I should not have been charged an FX fee based on online information on the VISA and XXXX websites. However, I was charged a material FX fee. I would not have made the purchase had I known I would have been charged an FX fee, and, if I had to make the purchase, I would have used a different card.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I subscribe to Experian 's monthly credit service in the amount of $ XXXX/per month for 6-7 years, then without approval starting XX/XX/19, Experian starts charging my account without approval $ XXXX/mo. 

I've contacted Experian and they have credited my account for the month of XX/XX/XXXX but would not do so for XX/XX/XXXX and XX/XX/XXXX. I'm continuing their service for now $ XXXX/mo. 

I'm not happy they didn't rectify the entire issue but this doesn't bother as much and is my real concern is Experian automatically started charging my account 400 % increase amount without authorization. They tried the same thing about 3 years ago without notice too which is the real reason for my irritation. 

I'm literally dumbfounded a credit agency of all companies would do this to consumers if this isn't illegal its unethical. 

Thanks for all you do for the consumer. 

Best of luck, 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
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I received a letter dated XX/XX/2019 that stated that there was an escrow shortage and that I needed to pay a shortage amount of {$2300.00} or my monthly payment would be raised to {$5600.00}. I immediately send a check for {$2500.00} with escrow written on the check along with the escrow coupon stating {$2500.00} deposit and made copies. I then logged into the mortgage account online to routinely check the status of my mortgage account and noticed that although I had paid the {$2500.00} to escrow my account had not been credited even though the check was cashed on XX/XX/2019. I called into the bank on XX/XX/2019 at approximately XXXX to question why my escrow payment was not credited and they made up a story about how it must have been an " oversight '' and that they would " try '' to fix it immediately. I was then told that it was escalated and that they would call me once it was fixed. PennyMac has defrauded me and are trying to raise my mortgage payment even though I quickly paid the escrow shortage. Who knows how many other people they have done this to in order to manipulate payments and cause financial harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX   stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I keep getting calls starting at XXXX XXXX  and ending at XXXX everyday from the same company. They call from multiple numbers so even if I blocked the number the calls still come through. I also receive calls that are unknown from them. Also they will call all at one time. Its highly unprofessionally and annoying that my phone vibrates at work every 2 mins. The calls are ridiculous. Now I even get text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a mailed and internet offer to open an account with Citibank and they offered XXXX miles XXXX XXXX AAdvantage and {$50.00} credit after spending {$500.00}, it was indeed spent, but nothing was credited, when Citibank was contacted by chat and provided the screenshot, the agent apologized offered to rectify it and promised additional XXXX miles. 

None took place. But citibank sent a unsigned letter stating the {$50.00} credit will be denied as the account is not eligible. 

Speaking today with XXXX at XXXX call center said, that a credit will posted as a misc credit because of the error, but still not there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have been receiving calls from this company for over two years. I do not know the person they are trying to call. I have told them it is a wrong number, but they disconnect the call and call again. When I ask for a supervisor, I am put on hold for over 30 minutes then disconnected. They have refused to remove my number from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Nationstar Mortgage aka Mr. Cooper has my mortgage payoff funds in their possession for about {$92000.00} to pay off my mortgage since XX/XX/2019. They will not apply the funds to the account due to some technicality. They are reporting me as late to the credit bureaus for 6 months.This matter has now caused irreparable damage to my credit. My credit card companies are now closing my accounts due to " serious delinquencies '' on my credit report -- -all as a result of this unfair treatment by Nationstar . And, of course when the credit card company closes an account that drags down my credit score even more. To add insult to injury, Nationstar continue to assess late fees to the mortgage account even though they are in possession of the payoff funds. They have offered no solutions to me and continue to hold the {$92000.00} and report me as late. I feel that they operated in total reckless regard for me as their client.They have caused irreparable damage to my credit well-being which I rely heavily on. They have offered no solutions or remedies and told me that they could hold the funds and report me as late for as long as they needed to. They also told me that they would not correct their credit reporting because " technically I was late since I did not make any monthly payments ''. I am totally disgusted with Nationstar and their negligence. I have written and called them too many times to count. Each time I get tossed around like a hot potato and can get no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
This is not a valid account for XXXX account number XXXX in the amount of XXXX It is fraudulent. They are saying i got and account and close it the same day how is that even possible with furniture? 
I told XXXX to come pick up there Furniture it took them 3 months. I was sick and couldnt pay and it was really expensive. When the picked up the furniture the next day the created new account in my name with out a signed contract from me and are charging me some fraudulent charges. The credit bureau did not obtain a signed contract for the account the XXXX  fraudulent put in my name. The credit bureau is not protecting my credit report from fraudulent information.credit bureau failed to provide me with signed co tract from the date of the second account, after the initial furniture was picked up. No contract signed contract or any contract matter of fact for this fraudulent account was ever received

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
I CALLED MY FAMILY DOCTOR AND ASK THEM ABOUT WHY IM IN COLLECTION. THEY STATED THEY DI'NT HAVE ANY RECORD OF THE COLLECT ACCOUNT. THIS COMPANY HAVE {$90.00} COLLECTION ON MY CREDIT REPORT. 

BUREAU  OF  ACCOUNTS  CON  XXXX XXXX XXXX XXXX XX/XX/2017 {$90.00} {$90.00} XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
After contacting Equifax on XX/XX/2019, I was told that I do not have a credit file with their company. They told me to mail them a copy of my drivers license and my social security which I faxed to them the same day. XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that they still did not have my credit on file, however when checking with other credit companies my file is intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This has been a identity theft issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I look at my credit report and notice I have XXXX debt. Like from this debt to br removed immediately. 

EOS XXXX  XXXX XXXX XX/XX/2017 {$150.00} {$150.00} XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/2017 I paid {$220.00} to XXXX XXXX  via debit card online ( as I was directed to do by focused recovery group, to whom the account had been turned over to for collections ). I have a receipt that was sent to my email that shows the account paid in full available for upload, if necessary. 
This information has been shared with all 3 credit bureaus as well as Focused Recovery Group. I continue to have my credit dinged every 30 days by Focused Recovery Group for a debt that was paid OVER 2 YEARS AGO! 
When I have disputed it ( repeatedly ) they drop it off my report for 30 days and then file it again so I have had to continuously dispute a debt that is not owed and furnish evidence that they themselves have acknowledged is accurate. 
This is a predatory tactic used to try exploit additional money from people that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZenResolve, LLC
State: FL

Complaint narrative:
I initially received a written demand for payment from ZenResolve, located at XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ, XXXX, stating that I owned a debt in the amount of {$1800.00} to XXXX  XXXX  and they they were hired to collect the debt. I did not take a loan with XXXX XXXX or any other lender for the requested amount and have no other loan debts other than my home mortgage and auto loan. Simply put, I never borrowed the money that ZenResolve said that I owed. 

I promptly called and then sent a letter to ZenRolve telling them that the debt was not mine and asking for copies of the purported loan documents. Shortly thereafter, ZenResolve sent me a letter setting forth " payment history on the account using your banking information with XXXX  XXXX  ending in XXXX '' along with purported loan documents. The purported loan documents contain my name and address along with email address and telephone number. The purported lender which is " XXXX, XXXX d/b/a XXXX  XXXX, an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... '' A copy of then letter and purported loan documents are attached. 

I have never had any account at XXXX XXXX XXXX XXXX. The telephone number and email address stated on the purported loan documents as mine are incorrect. The loan documents contain no information about me that is not readily available from the property appraiser 's website. 
The loan documents are unsigned and only contain my typed name. Finally, I have never heard of nor had any business dealings with XXXX, XXXX  XXXX  or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted ZenResolve and raised the following points. They did not affirmatively say that they would stop calling me at work and mailing me payment demands. They did however tell me that they do not report their debts to " collection agencies '' and that the debts they seek to collect to not appear on credit searches. This is very strange since their actual business is debt collection. Also, I can not think of a reason why a legitimate lender would not report a delinquent debt in a manner that would be reflected on my credit search. 

I believe that ZenResolve and/or XXXX XXXX are engaged in a fraudulent collection scheme where they fabricate loan documents based upon information readily obtained via public records and try to pressure people into making payment. 

I sincerely hope that you will look into this matter. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My Name is XXXX XXXX XXXX. 

I got this case information on XX/XX/2019. 
Someone opened checking account with under my S/S/N. 
This is second case with someone opened checking account with my S/S/S. 
I already reports to here first case on XX/XX/2019. ( # XXXX ) I do not understand these situation, how do they, bank, allow to open with different Name. He, who opened checking account, opened checking account with his ID and my S/S/N. The name is similar but same. how come banker who helped to open bank checking account, did not check all information carefully. 

I do not know exact amount and happened because they do not give me whole story. 

He took about {$80000.00} from bank and bounced checks. It happened early of XX/XX/2019. 

M & T Bank, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX I am attaching another case ( # XXXX-XXXX ) with XXXX XXXX case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent Equifax dispute letter by certified mail. In this dispute I requested for Equifax to remove erroneous inaccurate addresses from my Personal Identification records. As a result Equifax deleted on XX/XX/XXXX The following addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. 

As of XX/XX/XXXX Equifax has placed these inaccurate addresses back onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have contacted Chase numerous times about inquiries on my credit reports. I have NOT applied for a Chase credit card in about 4 years. Chase, back in XX/XX/XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from Chase. These inquiries appear every couple of months and I have had 3 in the last 3 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Real Estate Broker pulled my credit and it shows that I had and account opened on XX/XX/XXXX and they reported to my credit on XX/XX/XXXX for {$530.00}. I have not opened an account with XXXX in my name or given the consent to anyone else to open an account in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation