vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: MI

Complaint narrative:
My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have recently started using XXXX XXXX and find it to be an excellent service. I also assumed the service offered consumer protection since it is being used by major banks. I recently made a purchase to an unknown individual using XXXX XXXX to purchase concert tickets that a person on XXXX advertised they had. 

I went on XXXX and saw an event scheduled in my area for XX/XX/19. The event was for XXXX XXXX concert at the XXXX XXXX XXXX XXXX. A XXXX user made a comment on the event that they have tickets available because they are not able to attend. I messaged the person who claimed to be XXXX XXXX on XXXX to see if the tickets were still available. Hours later the person claiming to be XXXX XXXX contacted me informing me the tickets were still available and to make an offer. 

After messaging back an forth we agreed on a price of {$100.00} for two tickets. The person claiming to be XXXX XXXX requested that I send the money through XXXX XXXX. This person also requested screen shots verifying the money was sent and deducted from my account. The email address I was told to give to XXXX XXXX to have the money sent was XXXX. The person claiming to be XXXX XXXX informed me that the account was under her husband 's name which is XXXX XXXX. 

I gave the person claiming to be XXXX XXXX my email address to send the tickets to. I sent the screenshots per the request of the person claiming to be XXXX XXXX verifying that I had sent the money. The person claiming to be XXXX XXXX informed me that she was at work and would be sending the tickets in 20 minutes. This was approximately XXXX EST. Hours later when I checked my email I noticed that the sender did not email me the tickets. 

I went to message this person on XXXX and discovered that their account was deleted. The messages we sent to each other on XXXX were also deleted and I have no access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: FL

Complaint narrative:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am being made to fund my monthly escrow more than double the amount what is owed in taxes. 
In 2018 I was charged over XXXXUSD per month and at the end of year sent a cheque of XXXX USD. 
I requested my mortgage service company and bank for a escrow recalculation and they adjusted my monthly escrow payment by XXXX USD which equates to only XXXX USD a year. 
Despite protesting multiple times and sharing the full property tax statements with them which they settled themselves their response has been completely dismissive and they continue to overcharge me for escrow well over what is required. 

Broadly the breakdown settlements being made from Escrow are as follows : Property Tax - XXXX USD MUD - XXXX LID - XXXX Insurance - XXXX Total - XXXX USD Whereas the annual collections are more than XXXX USD towards escrow which the bank is refusing to adjust despite having settled the taxes and seen the trend of expenditure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/2019 Westlake portfolio contacted me stating about an account I'm unaware of. I emailed the company my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I disputed the validity of the account from XXXX - XXXX XXXX XXXX on XX/XX/19 with the credit bureaus. They said that the debt was verified and did not remove it. On XX/XX/19 I sent a letter to XXXX directly requesting them to provide me with validation of the debt such as a contract with my signature and an account summary. On XX/XX/19 I received a letter from XXXX stating that the debt was " verified ''. I did not ask for verification I asked for validation. They did not send any of the validation documents to prove that I owe this debt. I want this account removed from my credit reports immediately.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate and fraud bankruptcy chapter XXXX public record is reporting on my equifax credit reporting agency, i have disputed this several times and so far they have not been helpful at all i have never filed any bankruptcy in my life, and for some reason this is showing on my equifax only, please help me to remove this inaccuracy removed from my credit file. i have attached my police report and the FTC report  which i have file. please find attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Applied for auto loan through XXXX online. Denied because of in sufficient information. Contacted XXXX and was told that there was a 7 year fraud alert on our Experian file with no contact information. I did not place the alert and Experian was not helpful. I removed the alert but am unable to get an explanation from Experian.

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 2019-04-16 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 Equifax, XXXX, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX  XXXX  XXXX   allowed to be opened in my name as a result of identity theft. I have told XXXX  l, XXXX, and Equifax that the original account from XXXX was fraudulent and that the collection that XXXX placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, XXXX, and Equifax a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 XXXX, Experian, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX apartment community allowed to be opened in my name as a result of identity theft. I have told XXXX  l, Experain, and XXXX that the original account from XXXX was fraudulent and that the collection that XXXX   placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, Experain, and XXXX a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.

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 2019-04-16 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: FL

Complaint narrative:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2019-04-16 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: FL

Complaint narrative:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: CA

Complaint narrative:
i had been a victim of ID theft, a XXXX account was opened with out my knowledge and this is effecting my social security and they are about to cut and disconnect my social security .because if this inaccuracy, please i will be homeless i have spoken to the creditor and also disputed with the bureaus only equifax is the one who is not cooperating in this issue, i have called many times and provided documents even a police report and the FTC report as well. anything they requested, but they are not even helping me in this situation, please you are my last hope, my daughter told me write a complaint on equifax, please i will be homeless .i need your help in order to fight this battle thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase Card from 2015. 
Repeated phone calls. 
Threatening tones.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, my wife went through a XXXX  procedure on her XXXX. Due to medical treatment she was put on short term XXXX until XX/XX/XXXX. Since XX/XX/XXXX we started to fall behind on our mortgage payments. On XX/XX/XXXX my wife and I sat down with a housing recovery specialist from XXXX  ( XXXX  XXXX XXXX ) to try and alleviate the issue and look for options to get caught up with our house payments. On XX/XX/XXXX, a loan modification application was submitted to Shellpoint mortgage servicing, after continued emails and phone calls to try to communicate with the appointed point of contact from Shellpoint to verify they had received all the required paperwork, the application was denied due to verbiage on the packet. After finding out what the mistake was on the first application we submitted a second loan modification on XX/XX/XXXX, again being denied due to " debt to income ratio '' ( DTI ) being out of range ( too much debt ), they failed to account for my wife 's income even after they were provided with several months worth of pay stubs. Once again we are going through the process of applying for a change of circumstances as of this moment. This whole process would have been a lot easier if it wasn't for the lack of communication and due diligence on Shellpoint 's behalf. The following are issues we were presented with during the process : Excessive / duplication of documentation requirements in assistance process you had to submit the same documents over and over again Lack of proper / due diligence review of documents ( pay stubs ) submitted the pay stubs you have submitted have not been reviewed and filed/recorded correctly Lack of contact /communication throughout the assistance process the POCs do not respond to emails or call back regardless of numerous attempts to communicate with them. 
Due to the issues listed before, we are now 8 months behind in our payments, and without a clear resolution to this problem in sight. As I write this, we are submitting my wife 's paystubs for the third time in hopes everything is done correctly this go around. We are acting in good faith and want to keep the property but it seems that Shellpoint is more interested in foreclosing. Due to the nature of my loan ( VA Loan ), I have my VA representative looking into this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
was on XXXX XXXX status at the time of the accident. I have written to the credit bureaus about this and this is still being reported on my credit report. I have provided proof of military service at the time of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2019, I attempted to withdraw {$40.00} from my American Express Serve prepaid card at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) ATM located at XXXX XXXX XXXX, XXXX, VA XXXX. The ATM was unable to print receipts, and then encountered an error dispensing the money ( and dispensed nothing ). I disregarded it, expecting the funds to remain in my account, and used another nearby ATM to make my withdrawal. 

On XX/XX/2019, the {$40.00} failed withdrawal posted to my account and I contacted Serve customer support, who transferred me to the dispute department. I explained the situation and they processed the claim. At no time was a provisional credit issued. I received a dispute form in my email on XX/XX/2019, and completed it and attempted to upload it multiple times from multiple computers and separate networks to no avail ; I did not report the website failure to Serve. I ended up faxing the form back on XX/XX/2019, but received no acknowledgement of receipt from Serve.  On XX/XX/2019, I received an email from Serve stating that they had completed their investigation and that " [ t ] he ATM provider confirmed the funds were dispensed for the amount requested. '' I contacted them the same day and requested the documents from the investigation, which consisted solely of a one page XXXX " Transaction Research '' screenshot with the transaction details ( attached ). I went to the XXXX branch where the ATM was located and inquired on XX/XX/2019, and was told they had no information and wouldn't have any information until the ATM 's transactions were reconciled at the end of the month. The representative took my information and said she'd pass it along to the relevant department for followup at such time. 

If the financial institution hasn't reconciled the transactions, I don't see how Serve can have reached any conclusion, nonetheless one that the funds were dispensed when clearly they were not. XXXX itself said they lacked transaction information, so Serve 's conclusion seems bizarre at best and malicious at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My first problem with AMEX started when I first opened my account and never received my card. I was able to purchase my course at XXXX XXXX XXXX of a little bit over $ XXXX online because they provided me a temporary card for online purchases. After the 10 days I was supposed to get my card, but that never happened. I called the customer service many times to complaint about but still I never got my card. Therefore, I paid my balance and cancelled my account with AMEX. However, on XX/XX/2019 one of my classes at XXXX XXXX EXTENSION was cancelled so I had a refund of {$930.00}. Because  of the refund I contacted the customer service to have the amount transferred to my bank account and I was told that they were not able to make an online transfer to my XXXX XXXX bank account, so they would have to mail me a check of {$930.00}. It's been over a month and I have never received my check. I keep contacting them over the customer service to solve my problem and every time I call they make me go all over again to say they'll update my address and process a new check. I truly don't know what else to do. 
This has become a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Repeated phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: BB&T CORPORATION
State: AZ

Complaint narrative:
We are working to settle a gap claim with regional acceptance. It has been handled incorrectly on multiple issues. 
1 - payment was made in their website on XX/XX/XXXX, with a posting date on XX/XX/XXXX. The payment never correctly posted. Although my payment register does show a payment they could not explain to me. They refuse to remove a 30 day late that is not accurate due to their technical issues when site clearly showed a payment. 
2 - regional acceptance has failed to post a check in excess of XXXX that gap sent them on XX/XX/27 therefore I have to continue paying interest on a larger amount than truly owed.

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