vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My equifax scire dropped significantly in late XXXX and the reason XXXX XXXX reports reported the change was due to a change in or use of another name on my credit file. The error was reported by Equifax and I obtain the information by reviewing XXXX XXXX   free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to Equifax and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the Equifax score is lower

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: NY

Complaint narrative:
There is an old XXXX account showing on my Experian report that should have been removed. The date of default was XX/XX/XXXX, and it was sent to XXXX XXXX for Collection and then settled in XX/XX/XXXX and I have documentation of that transaction. I live in NY and it is my understanding that there is a 5 year purge rule for paid collections/charge offs. I have unsuccessfully tried to have it removed by calling Experian, XXXX, and XXXX XXXX. A couple of days ago XXXX dropped off my report, but the XXXX is still showing.

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 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing, LLC, has assessed our account the amount of {$8700.00} unlawfully. We contacted the servicing company regarding the matter, in response Ocwen Loan Servicing, LLC, indicated that the fees were not past dues even though it reflected in that fashion according to the mortgage statement, but assessed due to the XX/XX/XXXX foreclosure action. I have attached a notice of voluntary dismissal from the foreclosure action. What does this mean? In Florida in order for servicer 's to collect for legal fees they must either win summary judgment or acquire a final judgment at trial. We never went to trial because both me and Ocwen entered into an agreement and therefore trial was cancelled. In XX/XX/XXXX, the Florida Supreme Court adopted Fla. R CIV . P. 1.525, which states- " Any moving party seeking a judgment taxing cost, attorney 's fees, or both shall serve a motion within 30 days after filling of the judgment. See case no. XXXX, In the XXXX Circuit court of the XXXX Judicial Circuit. You will find that NO JUDGMENT WAS ENTERED, case was voluntarily dismissed and therefore as per Florida Civil Rules, Ocwen is not entitled to have assessed the {$8700.00}. This is Illegal on its face and we ask action immediately by the Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I believe that the Round Up feature on the Barclays Upromise Master Card is very  misleading. They are offering the client to round up their purchases to earn 1.25 % on that round up. The client is already earning 1.25 % on their purchase without the round up feature. For example, if a client spent {$49.00} on a purchase, Barclays will give them XXXX cash back ( 1.25 % of {$49.00} ) If the client elects to round up to {$50.00}, the XXXX is charged as a purchase and the client earns an additional XXXX. So, in essence the client is paying money to get less money. How is this legal? I did call the credit card company to fully explain this to me. I was enrolled at my own direction however after learning the full details, I unenrolled. I think this is a clear case of the credit card company taking advantage of the consumers to make more money. It's ridiculous and should not be allowed.

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 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24 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: FL

Complaint narrative:
Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry-XXXX XXXX  Inquiry- XXXX XXXX Account - XXXX XXXX I tried contacting Equifax to have these fruadulent inquiries and account removed from my credit report because immediately and my mother live in a shelter got away from my abusive dad I told them he was fruadulently using my social security number for credit I even had a alert on my account XXXX found that out removed everything XXXX as well I have the provided documentation from them in the upload I need Equifax to removed them from my credit report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am an identity theft victim, I had an account with XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinsterting the account, but failed to do so. I demand the immediate removal of the account 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 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
JUST RECENTLY MACDOWELL & ASSOCIATES ( ON BEHALF XXXX XXXX XXXX ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE. 

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Hi, In regards to our phone conversation I am emailing to dispute the unfair collection of {$1400.00} from me by XXXX XXXX college through XXXX XXXX XXXX. 

In my defense, I asked XXXX online chat assistant to help me with information about available courses for a XXXX program through XXXX XXXX College XXXX XXXX. Later that day the system was not working ( their online registration link ). I tried to register and was unsuccessful then I called XXXX help desk and found a lady who offered to assist me. 

In the process of registration she disclosed to me that it would be expensive to take just courses if I was not going to complete XXXX XXXX program. This prompted me to WITHDRAW all the courses she helped me register for during the phone conversation ( someone yesterday on call told me that he was able to see that I withdrew from the courses ) You can see attached Pdf too shows that courses were dropped. 

Further, XXXX has claimed to be sending me emails and mails in regards to this courses of which I never received any information from OCC via email or mail or phone. I am not a student at XXXX. 

I think this is unfair treatment by the XXXX college to force me to pay for classes I have never attended and a school I have never been a student at! The online customer service from XXXX should deceist from creating prospective students account numbers and registering them on courses against their wish. 

I will appreciate your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
JUST RECENTLY XXXX XXXX XXXX ( ON BEHALF NATIONAL CREDIT SYSTEMS ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE.

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: FL

Complaint narrative:
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a 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 2018-10-24 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: FL

Complaint narrative:
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: FL

Complaint narrative:
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a 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 non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX first contacted me in XX/XX/XXXX about a {$540.00} XXXX bill that had somehow become associated with me via XXXX XXXX XXXX Services. I contacted XXXX XXXX XXXX Services and we found quickly that the bill was in error - I was incorrectly identified as the person who owed the bill. XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX several times, and explained to them that the bill was in error - I never should have been charged as they had billed the incorrect person. A quote from one of the correspondences to XXXX XXXX XXXX from XXXX XXXX ( Medical Billing Supervisor ) : " Please remove CR XXXXXX to also include any credit bureau reporting. This patient account was placed in error. The information placed with collections was for the incorrect patient. '' I thought the matter closed, but on XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I still owed money on the erroneously assigned bill. The letter stated " According to records provided by XXXX XXXX Florida - EMS, your account is past due and remains outstanding. '' This is a direct contradiction to what XXXX XXXX has tried to explain to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: CO

Complaint narrative:
My loan was sold to a new mortgage services company, XXXX XXXX XXXX, and I was never notified by my existing mortgage service, Gateway Mortgage Group. it is my understanding they are required by law to notify me within 30 days of my loan being sold. Instead, I received a bill from the XXXX XXXX XXXX informing me that that my mortgage loan had been sold to them. On the same day I received a monthly bill from Gateway Mortgage Group. It is 6 days before my next mortgage payment is due and I have never received any letter, information or been contacted by Gateway Mortgage Group informing me of the sale of my loan. Isn't this a violation of Federal Law? Aren't they required to notify of the sale of my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they  were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation