vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
I received a call on my cell phone from a company wanting to verify my address so that they could provide private information to me. I kept saying that they had the wrong address and I asked if I could receive this information by mail. The lady said credit management company does not mail but I could check it out online at creditmanagement online. I never opened up a XXXX XXXX XXXX bill in XX/XX/2017 and she told me she is collecting a debt for approximately {$250.00}. I said I am going to dispute the debt and I am not paying her. I should not have given her the last four digits of my social and my updated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage payment went from {$1600.00} to {$1900.00} starting XX/XX/XXXX. This is due to new escrow analysis and an astronomical increase in homeowners insurance! Needless to say, I need help with this. I changed from XXXX XXXX which was clearly overcharging me. Now I need Ocwen to redo my escrows immediately so I wont be late on my XX/XX/XXXX mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
To my knowledge this debt was paid/settled in my bankruptcy back in XX/XX/XXXX. I initially received a judgment for {$1600.00} before I entered into the bankruptcy. After it was dismissed in XX/XX/XXXX I never heard from Barclays on  this debt again. I sold my house in XX/XX/XXXX and found out that they had put a lien on my house. The title company sent multiple faxes, emails and made daily phone calls for weeks trying to get an payoff amount to settle the debt. I sat on conference calls with the title company and Barclays myself, trying to get a simple payoff amount. They still wont give us one. Because of this they had to hold $ XXXX of my return. I am told that I wont get my money back until this lien for {$1600.00} is settled. Its been 2 weeks since we closed and still have not been able to get an official payoff from Barclays. I am frustrated that this was put as a lien in the first place. They never sent a letter to me or called. I am reaching out to them to settle a debt that I believe is invalid and yet still cant get any response.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate Trans Union XXXX, XXXX disregard for consumer protection statutes.

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 2019-04-09 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: FL

Complaint narrative:
There are several discrepancies with my personal information. The following does not apply to me : I am not associated with The name XXXX XXXX. and my social security number seems to be incorrect as well. On XX/XX/2019 i contacted Equifax and spoke to a representative to have name and ssn updated. I was told to send a fax with such request. i sent the request to fax number given ( XXXX ), i also sent correspondence via mail to equifax that included my ID and social security card. i received a letter on XX/XX/19 stating my ssn is currently reporting correctly on my equifax credit file. this letter was sent to XXXX XXXX. Name and ssn was not actually updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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:
I have contacted Experian and XXXX about multiple accounts that are showing on my credit report that do not belong to me. I have contacted Experian and XXXX by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Since XX/XX/XXXXAfter being denied a loan due to what was reported on my credit reports I have been trying to get my reports information correct I received a letter from transunion dated XX/XX/XXXXwith their version of my corrected credit information It has on there a XXXX XXXX XXXX inquiry it states that the inquiry was put on my transunion credit report on XXXX If transunion reviews my XX/XX/XXXX report as I have a copy of it. 
THERE WAS NO XXXX XXXXXXXX XXXX inquiry made on XX/XX/XXXX On my XX/XX/XXXX report BUT TRANSUNION sent me a XXXX credit report copy that has XXXX XXXXl inquiry of XX/XX/XXXX Why is that?

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 2019-04-09 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: The Outsource Group, Inc
State: FL

Complaint narrative:
XXXX, XXXX has negatively reported to both XXXX  and XXXX bringing my score down XXXX points. I have been paying on this account since the first bill came last year. I have the payments to the XXXX XXXX XXXX sent automatically like i do for all my other medical bills. I desputed with XXXX  and they removed permanently. XXXX  recent decision on my despute said the account stays negative on my filing. I've requested they permanently remove it because i have been paying on it since last year. Again, I'm requesting. Now from cfpb to remove and delete permanently like XXXX   did, since XXXX  refuses to help me with this matter. I have never negated to pay which is why i set up auto payments and dont think its fair they collect my money every month and yet still report negatively on my credit bearau i have so responsibly worked so hard to maintain my entire life. Thank you

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX Equifax, XXXX disregard for consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX XXXX, Experian disregard for consumer protection statutes.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint is against Bank of America. I only have a credit card account with this company, on or about XX/XX/XXXX I received an email as well as a notice in the mail from the company asking me to update my income and occupation. Reference number XXXX. The letter and email indicated that a non-response from me would be considered as a request from me to close all accounts. I responded to the company with a letter dated XX/XX/XXXX, telling them I was not interested in updated this information as I was not looking to increase my credit limit or was I interested in any other promotional offers. I have a XXXX credit line with the company and over XXXX in available credit. I have been in good standing with this company since XXXX, never missing a payment and all payments have always been made on time. However, the company has chosen to not allow me to have access to my credit account without giving me a reason why. I understand they have the right to deny me credit but I also believe that they should give me a valid reason for not allowing me to use my account and should have notified me by mail that my account was suspended, and not just because I refuse to update my income information. If my account is closed then I should be notified to avoid being embarrassed by having my card declined when making purchases.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are a lot of late payments and collections on my credit report that shouldn't be there. Please see attached dispute letter. Remove all previous names. My only name is XXXX XXXX XXXX. I have no idea what those others names are.

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 2019-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian I hope that the CFPB looks at your reporting on my account and contact you about the { fraudulent reporting } <reporting >. twice and validateing with company that does not own account, You also state you investigated but your report states you didn't do anything to investigate this is fraud. remove this alleged account at once both of them enclosed is my evidence of your fraud reporting. TEN days to respond your stated you investigated

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 2019-04-09 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: GA

Complaint narrative:
I have contacted XXXX  and Equifax about multiple accounts that are showing on my credit report that do not belong to me. I have contacted XXXX  and Equifax by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I deposited a check in the amount of XXXX via Bluebird mobile app today, XXXX. I chose money in ten days as a processing time instead of money in minutes for a fee. The transaction ID is XXXX. The available date of funds shows as XX/XX/XXXX, which is months away, not ten days. I brought this to the attention of a rep with Bluebird, he told me to disregard it and I can cancel it if I want to since it is in pending status, which I do not believe is an option. There is no such cancel option showing on web-site or mobile app. From past experience, Bluebird reps have given me varying different reasons for technical errors such as this, all have turned out to be bogus. Case in point, I have attempted to add a debit card which I had on my account prior, except it is a new card number. I received an error message which stated service unavailable, I believe. I called customer service numerous times, was given different reasons for error and they all turned out to be incorrect. I request Bluebird look into this error and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
I receive a XXXX, XXXX and Transunion credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, XXXX and Transunion.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on Transunion and XXXX. 
Why XXXX, XXXX  and Transunion not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, Transunion and XXXX to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.

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 2019-04-09 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: CA

Complaint narrative:
I receive a XXXX, Equifax and XXXX  credit report on XXXX XXXX and Derogatory Remarks of XXXX-XXXX-XXXX-XXXX  days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, Equifax and XXXX 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on XXXX and Equifax. 
Why XXXX, Equifax and XXXX not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, XXXX and Equifax to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion has reported 9 hard inquiries on my report in XXXX and it is Not true ... now XXXX XXXX has dropped my score as well.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GU

Complaint narrative:
Every time I apply for A Citibank AAdvantage MileUp World MasterCard credit card, Citibank declines my application claiming that I have too many revolving credit accounts and they also levy a false accusation of too many delinquencies. My XXXX credit file is stellar for the last 7 years allowed by the Fair Credit Reporting Act. There are no collections, no public records, and no bankruptcies. Citibank has levied a false accusation and denied me my right to fair pattern and practice and credit. I have not filed bankruptcy and my credit payment history is near perfect. Citibank, understanding the rules and regulations within the Fair Credit Reporting Act, continues to willfully violate my FCRA rights and to discriminate against me by declining my credit card application. Citibank reviewed my XXXX credit report where I have only four accounts open and eight accounts paid in full with zero delinquencies. I have : OPEN CREDIT ACCOUNTS : XXXX XXXX credit card account. Balance : {$4200.00} zero delinquencies XXXX XXXX XXXX. Balance {$2600.00} zero delinquencies XXXX XXXX Credit Card. Balance {$200.00} zero delinquencies XXXX XXXX credit card. Balance. {$200.00} zero delinquencies My Income # 1 : {$3300.00} Veterans Administration My Income # 2 : {$1900.00} Social Security Administration My Total Income : {$5200.00} monthly {$62000.00} Annually My intent is to conduct balance transfer of the XXXX XXXX Credit Card balance and the XXXX XXXX  credit card balance to a new Citibank credit card. Citibank is depriving of my right to consolidate small debt. 

In violation of the Fair credit reporting act, Citibank attempts to retrieve old data that is beyond 7 years of age. The Fair Credit reporting Act restricts creditors to the most recent previous 7 years of a consumers credit history. 

I plea for relief from Citibank unfair pattern and practice. 

In addition, I was a victim of Identity theft 7 years ago. I have attached court document that dispute old accounts that are age 7 years and older. See attachments.

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 2019-04-09 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: Academy Mortgage Corporation
State: MD

Complaint narrative:
In XXXX of 2017, I was applying for a mortgage with Academy Mortgage Corporation for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 XXXX  XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 2017

Company response to consumer: Closed with explanation