vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I opened a MasterCard with XXXX brand.  I’ve had this credit card since XX/XX/2019. They gave me a credit line of $XXXX.  I’ve been making payments timely and using the credit card.  Just this month, I found out, after I made a payment of XXXX XXXX XXXX on a minimum payment of XXXX XXXX XXXX XXXX XXXX, they lowered my credit line from $XXXX  to $XXXX, without my knowledge.  When I called to speak with their credit team, the customer service rep stated that I was not allowed to speak to anyone.  I wanted to know why.  The customer service rep stated it was because of my XXXX score.  My XXXX score is now being effected because they lowered my credit line, yet I’m still making high dollar payments.  You can see that I’ve been making 3 times the minimum payment, yet XXXX credit card lowered my credit line which is now causing my credit score too stay low as well.  I’m concerned that now that I’ve stopped using the credit card, they will close my account and force me to pay up front or destroy my credit that I’ve been working to increase. I’m filing this report to make them accountable.  If they didn’t want me to spend the money, why did they allow me access to $XXXX???  I’m extremely worried that they will come after me by ruining my credit and expecting me to pay upfront all at once.

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 2019-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I briefly attended XXXX XXXX University in XX/XX/XXXX and my tuition was covered by FAFSA grant and XXXX scholarship. For personal/ financial reasons I dropped out and moved back to live with my parents which is when my tuition was sent to collections. I dont understand how I can be expected to pay for tuition when I was going to school with federal grants in the first place. Recently in the beginning of the year of XXXX my collection account was sold to William and Fudge who reached out to me and said I have to make the payment and that theyll give me time to ask my parents to pay and will give me a call back after a week. I never heard back. On XXXX XXXX I sent a letter to XXXX XXXX XXXX stating that I do not claim the ownership of this debt however I would like to pay a lesser amount and settle the debt. It was a pay for delete request. I didnt hear back and it had been a few days. I started stepping away from my desk at work multiple times a day and attempted calling but I never got through to anyone. I also sent a follow up email on XX/XX/XXXX just Incase the first email was missed. It has now been over a month of me trying to settle this debt so it no longer hurts my credit by being on my credit report. I dont know who else Im supposed to contact to get this resolved if the company itself is not responding to me. Im just in my twenties and trying to clean up my credit but the collection amount has gotten me denied with many lenders. Its not that I did not try to work something out, I just received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NV

Complaint narrative:
In XXXX I XXXX XXXX got arrested and I did 2 years in XXXX XXXX XXXX XXXX. When i was released XX/XX/XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXXl that I was XXXXXXXX in their facility at the time this account was opened and remove from my credit files asap!!!

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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued. 

Now, I am a self-employed XXXX  XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds. 

Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately. 

It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NV

Complaint narrative:
In XXXX I XXXX XXXX got XXXX and I did 2 years in XXXX XXXX XXXX  XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NV

Complaint narrative:
In XXXX I XXXX XXXX got XXXX  and I did 2 years in XXXX XXXX XXXX XXXX. When i was XXXX XXXX XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXX that I was XXXX in their facility at the time this account was opened and remove from my credit files asap!!!

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
My federal rights granted under the Fair Debt Collection Practices Act have been violated since the start of the process : -- on XX/XX/2019 I was notified by the XXXX XXXX XXXX XXXX about a debt I do not owe, for {$390.00} : a ) Original creditor : XXXX XXXX XXXX   XXXX XXXX b ) Collection agency : IQ DATA INTERNATIONAL IN The alleged collection account was opened on XX/XX/2019 I have never been contacted by neither The XXXX XXXX nor by the IQ Data, therefore they violated my right, granted under the Fair Debt Collection Practices Act, to seek the debt verification. I do not owe this debt. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and address of alleged creditor. 
6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Verification that this alleged debt was assigned or sold to collector. 
12. Complete accounting of alleged debt. 

Also note : a ) XX/XX/2019 I sent The XXXX leasing office a Lease Termination Letter | 30-Day Notice In Accordance with Section NRS 40.251, On Fri, XX/XX/XXXX, XXXX XXXX  the XXXX office emailed a confirmation without objecting b ) all my payments were done in timely manner and in full c ) I vacated the apartment on XX/XX/2019 after having it thoroughly cleaned by the professional service. 

The apartment was therefore left in immaculate state, with all utility services disconnected in a timely manner and all rent dues paid in full. I do not owe that alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is illegally re aging an account which I have disputed and do not claim ownership of on my XXXX Credit Report in violation of FCRA Section 623 ( 5 ) (  A ). They have not validated any of my disputes yet on my XXXX Credit Report it shows an collection account as " current ''. 

They have never validated the alleged debt of which I disputed twice, not provided who the alleged Original Creditor was, nor have provided a history of activity on that account to validate the status. 

It appears on XX/XX/2016 on my XXXX credit report was the date this disputed account was opened. However at no time has the disputed account been validated, nor has the status as " current '' been validated with evidence of any activity from me. 

I am requesting that Portfolio Recovery Associates validate the information including providing who the alleged Original Creditor was and provide information validating the information under the FCRA. 

If they can not validate the information then I am requesting deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from 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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from 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 non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I've been a member of moneylion loan to rebuild credit. I've noticed that I've recieved late payments on my XXXX XXXX. Its wrong and i don't have late paymenta because its on automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
We had a loan with OCWEN which was a nightmare and they transferred to PHH- can not believe its worse. The website is very slow to load, if it does at all. There appears to be conflicts in mailing addresses, and if it finally loads and you can get to where to make a payment it comes up with sorry, not now. As I said, unclear where to send a payment. I just setup an auto deduct and when finished says will start XX/XX/XXXX, not XXXX And I set it up for XXXX, just to try to get it paid. 

All this because Ive spent hours and hours and three months trying to get my loan PAID OFF. About three weeks ago I finally found and faxed the form to request the payoff amount and closure of line of credit. Nothing back. I am terrified that even if I can ever get them to take the money I will never get the lien removed. 

My husband and I are both XXXX seniors, he is a XXXX era veteran. To spend all summer spinning wheels and going nowhere for something that seems like it should be so simple ( give me the amount, how you want it sent and clear the HELOC ). 

Ive even talked with a couple of lenders thinking I may have to take out another loan to get out of this so I can pay that off to get clear-but that just doesnt see right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been through the process of buying a home for the past 3 months since XX/XX/XXXX. My lender had me call equifax in XX/XX/2019 and dispute an item that didnt belong to me. Well I did and some guy there disputed everything on my credit instead of just the 1 item which was a medical bill. Ive been trying to correct his mistake for the past 3 months. Everytime I think theyre about to fix something theyve messed something else up. My credit has been punished by their mistakes and Im suffering for this. I have kids and a fianc depending on me. My credit is being ruined by this company!!! Im scared they have put my family and I in a position that could ruin our lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In response to : CFPB # XXXX Reference # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX In your 4th paragraph, from what I understand it seems to say that XXXX received my XX/XX/XXXX payment on XX/XX/XXXX which was applied to XX/XX/XXXX and that according to my bank it cleared in XX/XX/XXXX. 

Please see attached XX/XX/XXXX & XX/XX/XXXX statements noting payment to XXXX on XX/XX/XXXX & XX/XX/XXXX. My XX/XX/XXXX payment was paid at end of month when I closed escrow. 

I am not quite sure what XXXX means or what you meant by the 4th paragraph of letter sent to me on XX/XX/XXXX. See attached your letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT 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 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports from XXXX, Transunion and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in XX/XX/2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

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 2019-08-16 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX STATE UNIVERSI 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