vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CT

Complaint narrative:
This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I wanted to set up a payment arrangement, but they keep calling from a zeroed out number, then send a notice claiming they are suing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: LA

Complaint narrative:
Transunion is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Transunion which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: AZ

Complaint narrative:
I tried to dispute an inquiry which I did not authorize and Equifax did not allow me to dispute the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TX

Complaint narrative:
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

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 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I made the mistake of responding to a pop-up offering a watch for the price of shipping and handling, and saying I would be billed for the watch but that it would be worth lots more than the amount I would be billed. 

The watch arrived but was worth less than {$20.00} and I was billed {$98.00}. Icould n't reach the merchant -- and was billed another {$98.00} thefolowing month.

VISA advised that I had been scammed and thqat the monthly charges would continue until they cancelled the card -- which they did.

I was then contact by a person claiming to represent VISA asking my permission of add the two {$98.00} charge to the new card, along with the shipping charge. I protested that it had been fraudulent. She said that because I had given them the credit card number I was responsible under contract law, even as she acknowledged the worthlessness of the watch. I said that I didn't want to affect my credit rating adversely and would agree on on that basis. I called back the following day to say I had changed my mind because her recitation of contract law was incorrect and that I disputed the charge. She said it was too late to change my mind and that I could appeal if I wished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We request the remaining money in the closed business account for the amount of {$4400.00} ( XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ). 

Unfortunately, our account was closed, and we have not been given a reason that brought the bank to make that decision. On XX/XX/XXXX Mr. XXXX XXXX XXXX intended to make a payment of {$2700.00} using an account under a different name, Mrs. XXXX XXXX XXXX. As one of our companys policies we review every payment and do not allow payments from third parties. As soon as this came to our attention, the situation was reported to Bank of Americas customer service and requested that the transaction would be cancelled. When the initial phone call was placed, the department in charge was not open so we were asked to call the next day at XXXX. eastern time. The next day, we called and opened claim Number XXXX with the Electronic Claims Services department. We were informed at that time that Mrs. XXXX had opened a fraud case the day before. Therefore, Bank of America proceeded to block our corporate account. As we requested to unblock the account, Bank of America explained that the amount disputed ( {$2700.00} ) was going to be put on hold which was understood as the amount of {$2700.00} were requested to be given back to Mrs. XXXX. On XX/XX/XXXX the amount of {$2700.00} was withdrawn from the account and placed back on Mrs. XXXX account, as requested by our company. The next day, our bank account was closed without explanation, and we were told to wait 10 business days to receive a check for the remaining money in the account ( {$4400.00} ). A few days later we received a letter stating the remaining money would not be returned to us. 
We have contacted Bank of America two times during the month of XX/XX/XXXX and no clear answer has been provided on whether the money can still be returned to us. Our company has clearly followed all procedures by reporting the situation and by requesting the transaction to be cancelled. Our company has not committed fraud nor intended to break the business relationship with Bank of America ; Therefore, we are requesting the remaining money left in the corporate account for {$4400.00} to be returned to the company. The remaining money left in a second business account for the amount of {$100.00} ( XXXX XXXX dollars ), and the remaining money on the personal account, for the amount of {$14.00} ( XXXX dollars and XXXX cents ). We are kindly requesting that you not involve XXXX XXXX  , XXXX and/or XXXX XXXX XXXX , XXXX upon this situation.

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 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AL

Complaint narrative:
Flagstar Bank has erroneously reported on my Form XXXX the amount of property taxes that was paid from my escrow account for tax year XXXX. Background - Refinanced mortgage on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX ( XXXX ). At closing {$220.00} was collected by the closing attorney for the property taxes owed for XXXX. Attorney forwarded the {$220.00} two days later to XXXX County, AL. In XX/XX/XXXX XXXX sold the new mortgage to Flagstar Bank and forwarded {$630.00} to be deposited in an escrow account associated with mortgage. On XX/XX/XXXX, Flagstar Bank forwarded {$220.00} to XXXX County, AL, as payment for property taxes causing a double payment to be made to the county. On XX/XX/XXXX, Flagstar Bank received a refund for the XXXX property tax over-payment from XXXX County, AL, which was deposited in the escrow account, but instead of noting that it was applicable against XXXX taxes, Flagstar Bank applied it toward XXXX taxes. On XX/XX/XXXX, Flagstar forwarded {$550.00} to XXXX County, AL, for payment of the XXXX property taxes. After that the account showed that only {$320.00} was paid toward XXXX property taxes and when the Form XXXX was issued the amount of property taxes shown as paid was also {$320.00}. I have requested several times that the amount of taxes paid toward XXXX property taxes reflect the {$550.00} but Flagstar has refused to make the correction.

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 2019-01-24 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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: CA

Complaint narrative:
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.

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 2019-01-24 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: EQUIFAX, INC.
State: ME

Complaint narrative:
My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.

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 2019-01-24 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: MI

Complaint narrative:
I have spoken to Equifax Office of consumers affair in the past and asked for this extended fraud alert to be removed that has a date of XX/XX/XXXX-XX/XX/XXXX that I did not ask to have placed on my credit file. It states that my file is blocked for promotional purposes. According to the FCRA the consumer has the right to have credit freeze and fraud alerts removed at their discretion whether they had it placed or not. My rights are being violated with this extended fraud alert still on my credit file after asking numerous times for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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:
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

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 2019-01-24 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:
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased two air purifiers from XXXX XXXX for {$970.00} with my Citibank credit card on XX/XX/XXXX. Both air purifiers gave off a strong, toxic, chemical smell that made me sick. I contacted XXXX XXXX to return the defective units. Although XXXX XXXX was aware of the problem and said they would send me return shipping labels they didn't follow through. After multiple attempts with XXXX XXXX I disputed the charge with Citibank. After I disputed the charge, XXXX XXXX sent me the return shipping labels and I returned the two items to them. 

XXXX XXXX responded to Citibank regarding my dispute stating that they would refund my money when they received the products -- their response was on XX/XX/XXXX and they received the products on XX/XX/XXXX. Based on XXXX XXXX 's reply to Citibank, Citibank reversed the credit. 

Despite XXXX XXXX stating they would refund my money they have not. So I contacted Citibank again on XX/XX/XXXX to dispute the charge. Citibank requested additional information, including proof I returned the items. I provided the additional information to Citibank on XX/XX/XXXX along with the XXXX Delivery Confirmations for the two products. Citibank denied the credit on XX/XX/XXXX stating that they needed proof the products were returned. I contacted Citibank again on XX/XX/XXXX to understand the problem since I provided all the information. I spoke with both a billing rep and a billing supervisor ( account manager )  who both agreed that Citibank had all the information they needed and I should receive the credit. The supervisor told me the dispute would be reviewed again and I could expect to receive the permanent credit within a few days. 

It appears Citibank is giving me the run-around treatment as they have gone silent.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing in regards to my XXXX XXXX CC. I opened the card in XX/XX/XXXX and have always paid on time and more then what we asked from me. I opened this card to help with my credit issues and to help bring my score up. 
I have enjoyed being able to have this card up until XX/XX/XXXX when I received a notice from XXXX  that I was reported 30 days late from XXXX XXXX. I was very confused since I made a payment on XX/XX/XXXX in the amount of {$200.00}. I called and spoke to a manager by the name of XXXX that explained to me that it should not of happened since XXXX XXXX doesn't report until at least 60 days past due. She explained to me that I was only charged one late fee, that she removed, and it does not show late. XXXX then informed me that she was going to write in my account that this needs to be removed and for me to send a fax to XXXX. 
I faxed a letter out explaining my concerns and on XX/XX/XXXX I received a letter stating that it would not be removed. I find this unacceptable since I have been a customer that has been in excellent rating with you and also on auto draft. I know that when I was talking with XXXX I explained to her that I never received a notice letting me know that my account was past due nor that my payment did not go through. XXXX explained to me that this company does not do that. I looked into to it farther and noticed that before when my payment did not go through, it inform me and also let me know if the account was past due. 
I have enclosed that evidence. I have also included copies from the three credit reports where it shows different reporting. XXXX  report shows that I always paid more then what was due but not on the other two credit reports. XXXX  credit reports shows no past dues but states 30 days. XXXX   shows paid on time but past due as of XX/XX/XXXX which my payment is not due until the end of XX/XX/XXXX. All the reports show a different outstanding balance on them as well. XXXX   shows date of last payment being XX/XX/XXXX but its late as of XX/XX/XXXX. It doesn't state anything where is has a delinquency first reported on it. Transunion shows Current on worst pay status. 
I am just hoping that we can resolve this issue since it is not reporting correctly. 

I am asking for the 30 days to be removed due to inaccurate information on all three credit reports and not informing me when the payment did not go through since it has been reported to me in the past along with when the payment was posted and if over my limit. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation