vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX2019 I tried to get online a free annual credit-report from Equifax. I answered all of the questions correctly, but it was showing up : " We are not able to deliver your free Equifax Annual Credit Report online ''. I tried one more time, but it was showing the same. Additional it shows, that I can request it by mail, but I have to mail copies amongst other things like a XXXX-form and pay-stub with Social Security Number. Since I am XXXX, I don't have these two documents. At XXXX and XXXX I have received a couple months before online my free annual credit-report without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Found individual who posted XXXX XXXX tickets vs XXXX XXXX for Thursday XX/XX/2019. Invididual mentioned they were unable to attend due to work and that tickets would be transferred via XXXX. I asked for a screenshot of tickets and they did. They originally suggested XXXX to transfer money but XXXX was saying an error would occur when attempting to send so we switched to XXXX XXXX. As soon as they received the money ( {$280.00} ) via XXXX XXXX  they stopped writing back and picking up the phone. 

I contacted XXXX XXXX  today who said since the transaction was complete ( scammer auto accepts payments ), there was nothing they could do and suggested I contact the scammer back for a refund. They mentioned that they monitor users accounts daily for unusual activity, but yet can't accept a complaint or flag from my call to report to the account. The only other suggestion was to open a police report and they disclose information to them. I have a hard time believing they're doing their job when XXXX blocked the trans but XXXX XXXX easily accepted it. 
I then reached out to Bank of America who said I could dispute through the app and it would take over 30 days and there's not much that can be done.

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 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I contacted company and requested a debt validation. Was immediately met with anger and disrespect. Mrs. XXXX abruptly ended call. 
Three weeks later she contacts my son concerning this same debt. 
Failed to provide requested information in full. Wrote company again but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: AL

Complaint narrative:
Please help me with this account, its paid in full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We did make the lower modified payments they asked for FHA Loan.We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you I am not satisfied with their reporting to Credit Bureaus because they are using an old code. The AC code was the closest fit so they used that to damage our credit history. XXXX XXXX XXXX executive, confirmed that it reported borrowers who made timely payments before and after agreeing to loan modifications as making only partial payments. Presumably, the bank used the AC code, which damaged the credit of many borrowers. The fact that the AC code signals that a consumer has made only a partial payment. 

That had a significant impact on the score with a good credit because I made all of their payments on time. The new CN code signifies a loan modified under a federal government plan similar to the one we had under Obama FHA Loan Modifications. It should have no impact on credit scores. So thats what they need to do. Change the code To CN

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 2019-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a bill from XXXX XXXX XXXX dated XX/XX/2019to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with Citibank. A couple of years ago I received a fraudulent call from someone claiming to call from Citibank for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.

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 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Grassland Financial Services, LLC
State: TN

Complaint narrative:
I filed a claim with my insurance company XXXX XXXX XXXX for Storm Roof Damage to my home that included Roof damage water damage interior of home and exterior damage. XXXX XXXX sent the claim check to my Mortgage company who is Grassland Financials. Grass Financial deducted my mortgage payment of {$770.00} and sent me a check in the amount of {$2800.00}. The repairman repaired my ceilings my home is leaking from the roof and I have additional damage from my ceilings. 
My mortgage company withheld the funds for me to repair my home. The reason I'm currently trying to correct this issue is because I didn't know my mortgage company didn't send me all the funds until I had my insurance agent to review the settlement statement from XXXX XXXX. Grassland Financial has been my mortgage servicer for several years, I've never received mortgage statements or letters from them reflecting information for my taxes, insurance and escrows. I call them monthly to make my mortgage payment over the phone. I was recently contacted by Grassland Financial customer service and was asked if I had been contacted by the Internal Revenue Services. The informed me that the mortgage interest statements for my mortgage was sent to the wrong mortgage customer.. Grassland has taken advantage of me and has unethical business practices. I need help to repair my home and I want to receive mortgage statement so I can see how my payments are being applied to my mortgage. See Attachments Please Help! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Portfolio Recovery is reporting a dated {$550.00} delinquent account on my XXXX credit report. I have requested 4 disputes through XXXX ( dates ranging from XX/XX/XXXX - XX/XX/XXXX ), in which Portfolio Recovery provides no paperwork or proof but simply tells XXXX its valid and closes the inquiry. As a last result I mailed a dispute and request for proof directly to Portfolio Recovery at the end of XX/XX/XXXX. I have not received a response at all and the account is still on my credit report. 
Can you please hold Portfolio Recovery accountable to provide proof to keep this on my credit report or have them remove it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Filed Bankrupcy debt not owed. capitol one bank since XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: OH

Complaint narrative:
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX XXXX, ONLINE INFORMATION SERVICES # XXXX****, XXXX XXXX XXXX XXXX # XXXX**** Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-02 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: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Online Information Services ( OIS ) first contacted me about an alleged debt that was owed. I responded to them within 30 days, disputing the debt. OIS even sent me a letter, stating that they received my letter. Nevertheless, OIS reported the debt to the credit reporting agencies. And, even though I disputed the debt, my credit report states " Dispute resolved ; customer disagrees. '' The dispute was definitely not resolved. Its misleading wording has led my credit report to list this as a negative factor in my nearly perfect credit score.

I called OIS ( a call which was recorded ) and stated that the information relayed to the credit reporting agencies was incorrect. They have refused to change the incorrect information. 

My understanding of the law is that if a debt is disputed within 30 days of the debt collector contacting me, the debt collector can not report the debt to the credit reporting agencies. Second, I also understand the law to state that if there is any incorrect information listed on my credit report, the debt collect must, by law, correct the incorrect information. 

I have attached a letter from OIS which proves that they received a letter from me, disputing the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Dear Shellpoint Escalation Dept, NOTICE OF APPEAL/ERROR Attached you will find my Appeal/Error Letter, as well as this being another Notice of Appeal/Error as my financial circumstances has changed dramatically since Shellpoint last reviewed my documents. I am still waited back for responses to me QWR, Notice of Error to XXXX XXXX XXXX XXXX from the FTC Commission who is reviewing my complaint as well as asking for a review of my documents that prove I can qualify for a modification as I have had 4 modifications to date and have made my payments on time with all of them. 

Therefore, I am asking that the XX/XX/2019 sale date be cancelled in order for me to have the time for me and my legal counsel to receive these responses and documents and to be able to respond back as legally due to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid {$160.00} on XX/XX/XXXX to Synchrony Car Credit and they have not applied this payment to my outstanding balance. On XX/XX/XXXX they sent me a statement stating what proof they need. After sending them a letter from my bank they informed me it could not be in the form of an email ... I must fax this information. I did so again making me and my bank jump through hoops. I called them 7 hours after I faxed the documents they requested and they told me it would take up to 14 days to review. My outstanding balance is {$250.00} due on XX/XX/XXXX, so after they apply my missing payment of {$160.00} my balance would be less than {$90.00}. I fell they are dragging this information so they can collect more interest rate.

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 2019-03-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My experian credit report shows a bankruptcy however I have disputed this item and the credit bureau only sends me a statement saying the item was verified with XXXX County courts the problem is XXXX County counts has provided me a letter stating they did NOT verify any such information and DO NOT verify bankruptcy information the law requires Experian to provide me true and accurate information in regards to their verification process or remove the entry if in fact it can not be verified

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 2019-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
Recently wrote to Pendricks capital partners. I explained to them i was victim of identity theft. Someone used my information in Florida for credit cards and medical bills. i live in California .. they have been removed off of my credit report by credit reporting bureaus and also some by Pendricks . however some collections are being reinserted by their partnering data furnishers and shell companies. i recently wrote to Pendricks they said to send them the report of identity theft. so that the incident does not keep happening. attached is my report from the Federal Trade commission. Please stop collecting on debts not owed. I have communications with your company well documented Its difficult as it is dealing with someone even today still trying to run my credit and open utilities in my name. much less old medical bills. i have a XXXX score I have health insurance. My credit is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: OH

Complaint narrative:
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-02 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: OH

Complaint narrative:
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/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 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.

Company response to consumer: Closed with explanation