vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 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: AL

Complaint narrative:
From XX/XX/2019 I been disputing a bankruptcy offf my report belonging to someone else with the proper paper work XXXX will not remove this at all I won't them to deleted this man bankruptcy off my file they have deleted his name and kept the bankruptcy I included all supporting documentation from this in close is new information from Lexisnexis showing they didn't get any respond back from XXXX  when they tried to investigate with them on the matter of investigation with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS- ( XXXX XXXX XXXX ) calls me at least 3 times a day. When I XXXX their telephone number, it says they are a collection agency. Although I have never received anything in the mail from them. They never leave me a message and their number has been reported as scam calls. The last time they called me was Friday, XX/XX/2019. They usually call 3 times a day but never leave a message. How can you know if people are a legitimate collection agency if they never send you anything in the mail to dispute the validity of the debt?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
These fraudulent accounts are reporting on my credit report CREDIT COLL XXXX CREDIT COL XXXX CREDIT COLL 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 explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex Asset Management is trying to collect a debt that is not mine. I have attempted numerous attempts to get them to remove this from my credit report. Also, per written correspondence from The State of New Jersey ( see attached ), they are not even bonded, as per law. They should be fined and jail time, per the statues. They need to removed this from my credit report within 30 days, or this is going to the Attorney General and I will sue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I got a post card from money lion, they offered XXXX but you had to pay XXXX twice a week in addition to XXXX for loan which is fine I agreed to it. It stated you can not cancel money lion plus until loans paid off. About 2 weeks ago I paid off loan, contacted them through email I'd like to cancel money lion plus. They said it takes 3-5 days. Well 4 days after that XXXX and XXXX for loan came out of my checking again. I emailed them again tried calling but on hold for over hour. Then automatic response in email comes back they're not taking emails. I had to fill out a service ticket, get a response from that stating they are looking in to it but takes time. I responded I'd like my extra loan payment back, as well as membership fee, I've gotten no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 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: AL

Complaint narrative:
I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX ( Original Creditor : 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 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Sunday, XX/XX/2019 a fraudulent charge appeared on my bank account as a debit card purchase in the amount of {$100.00} this charge appeared as " XXXX XXXX XXXX XXXX XXXX. This charge was a charge back initiated by someone that we sold some electronics to over 5 months ago. this is clearly fraud. Its my understanding that capital one has zero percent fraud liability for their debit cards, however when I attempted to contact them over this issue ( twice ) they seemed very unsympathetic to my case and could not help me, I needed this money desperately to buy my prescription medicine. This fraudulent charge has stolen {$100.00} from my bank account and I need this money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: AL

Complaint narrative:
I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following CREDIT COLL ( Original Creditor : 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 2019-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I received an email confirmation on XX/XX/2019 at XXXX mt stating that the dispute that I submitted in XX/XX/2019 was completed and the  investigation was closed. The email offers a link for me to check my results and each time that I click on the link, provide all of the correct information about myself, I received a result stating that more information is needed before I can see my results. I contacted Equifax by phone and spoke to a representative. The entire conversation was terrible due to a huge language barrier between the representatives and I. I could barely understand anything that she said or asked because of how strong her foreign accent was. I provide her with information and still left the phone call with no information on my results. I was told more information was needed for personal identity purposes. I'm very frustrated with Equifax and how difficult it is to solve and receive results of disputes. I've had perfect results and assistance with XXXX and XXXX but Equifax has a horrible online dispute system and many employees that aren't speaking English clear enough for consumers like myself to understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
These fraudulent accounts are reporting on my credit report 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 explanation
Consumer complaint received 2019-06-03 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: PA

Complaint narrative:
I got a recent score of XXXX from Experian which noted that was a decline from " excellent '' to " very good ''. I just paid off a loan much earlier than the due date, and I pay my credit card in full WEEKLY. How can one 's credit score drop with this kind of excellent financial management? This makes no sense at all and is flat out wrong! 

XXXX score is XXXX. XXXX  score is 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 2019-06-03 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: TX

Complaint narrative:
showing errors on my credit report b/c of the equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
showing errors on my credit report b/c of the XXXX breach

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 2019-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to get a personal loan, and the bank came back notifying me that I have a freeze. So I called Equifax first because I assumed it would be with them since my XXXX XXXX app showed Equifax not updating for some time now. When I first called, the representative I spoke with had told me that there was no freeze which shocked me. So I ended up going to the other bureaus and the freeze was not with them either. So I called my bank representative back and told them that all three bureaus had said that my accounts were not frozen, so i am not sure what to do now. So the bank rep did a little more digging and reached back out to me letting me know that the freeze is showing up at Equifax. So I called back and spoke with another rep, I told them that i just called and was told that my account wasn't frozen, but my bank rep was saying that i do have a freeze with Equifax and I need to get it lifted. So I went through the process again of giving them all my info and now they are telling me that they can't tell me if my account is or is not frozen and I am being required to send in additional info to prove my identity. I get the fax number from the rep and verify all the required info and I asked how long it will take. They tell me that it will take 3 - 5 business days. So I reach back out after 8 business  days to give it a little more time and they tell me that they haven't received anything from me. I asked them if there was an office I can go to in person because this is now getting very frustrating and they tell me no, that I can either re-fax it or send it by mail. Well I told them I don't feel comfortable mailing all my personal info and I am not going to re-fax it because it obviously doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: AFNI INC.
State: OK

Complaint narrative:
afni renewed a collection from XX/XX/XXXX that had fallen off of my credit report in XX/XX/XXXX, but somehow through them it magically reappeared in XX/XX/XXXX. I contacted them to remove it but they refused to remove it from my credit report and I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
To whom it may concern, I am filing a complaint on the fact that I can't get an answer from the mortgage company why I have to start my year escrow with {$1200.00} I've gone through my contracts I've gone through everything I sign for the modification there is nothing listed anywhere that indicates or states that I have to start my escrow which starts in XXXX with {$1200.00} I was told that I had to have a cushion which was {$610.00} but what I have to start my new year is {$1200.00} can someone explain this to me because they're not explaining it to me so this is not a duplicated complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Today, XX/XX/2019, yet again I asked when the large check deposited will clear! I asked on XX/XX/2019 and was told by XXXX to call on Monday, XX/XX/2019! Today, XX/XX/2019 again I was told by XXXX she does not know but will find out! She will speak to her supervisor! 

What kind of banking is this? I have an absolute right to know when any check clears! 

Very, very poor banking!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX  XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: NJ

Complaint narrative:
On XX/XX/2018 I filed the Deed-in-lieu paperwork for the existing reverse mortgage that is held by XXXX XXXX. The Reverse Mortgage Servicing Department stated this process would take 3 to 6 months to complete. We are now entering the 9th month and the DIL process is costing the estate many months of additional insurance payments and real estate taxes that need to be maintained and paid on the property. 

I attached a WORD doc with a chronological order of email correspondence between myself and XXXX ( rep ) of The Reverse Mortgage Servicing Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: RI

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX, I was reviewing my account online and saw two unauthorized charges one for {$190.00} and one for {$220.00}. The charges were transfers out of my account via XXXX, which I do not use to a person I do not know. I immediately called the bank and began the fraudulent transaction process over the phone. I had them capture my debit card and send me a new one. 

I have had no communication from the bank since then and I currently do not have my funds returned or any of the fees that they have charged after returning the items that the {$410.00} were meant to cover. I called the customer service phone number at the end of the first week and all they could tell me was that it was in process. I was able to find a direct number for the fraud department and I called, but the greeting was recorded to dissuade customer 's from speaking with someone. The number is XXXX, I suggest that you listen to the message. The message basically says they have 10 business days and there would be no information available prior to that. 

Today is the 10th business day and since I do not have my funds returned and available for my use and these are definitely fraudulent transactions they are in violation of REG E. This act of fraud against me has certainly caused me much hardship. I have had to contact the creditors that I had paid with these funds. I have had impact to my standing with them and I have returned check fees and late fees that are now applied to my account. I have had to borrow money from family and friends to make ends meet and I am getting collections calls and emails even after contacting my creditors. 

An event that is already awful was made worse by the callous, uncaring, and very unfriendly customer process with this bank. Key Bank did not handle this well at all and once this is resolved, I will be leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I have 2 XXXX XXXX XXXX and Portfolio Recovery Associates reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and XXXX XXXX XXXX. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from XXXX XXXX XXXX sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
Our mortgage is serviced by M & T Bank. M & T made a disbursement from our escrow to XXXX XXXX XXXX for flood insurance. I have had flood insurance for several years and I pay that separate from the mortgage. Flood insurance has never been part of the mortgage. The bank made this disbursement without my knowledge and consequently it caused the escrow out of balance and increased my monthly payment. 

I contacted M & T first thing Monday, XX/XX/2019. My goals were three fold : 1. to have M & T acknowledge this problem 2. M & T to issue a corrected escrow analysis and 3. to restore monthly mortgage payment. 

M & T initially stated they could not issue a corrected escrow until the insurance company returns the money to the bank. At this point I am beyond frustrated M & T made an unauthorized payment from my escrow and I have to wait to have my account reconciled until the funds are restored to the bank.

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 2019-06-03 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:
These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation