vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: DE

Complaint narrative:
Incorrect information on my Transunion 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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
DIVERSIFIED CONSULTANTS ACCT # XXXX PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE AND THE DEBT HAS BEEN PAID SINCE XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Company is calling my place of employment. I could be fired. Please have them stop calling my phone. A payment plan has already been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a loan with Citibank. Based in my salary and credit. I received a pre -approval. The underwriters later ordered an appraisal of my home, and I have at least XXXX in equity. I was told that I may need to pay off a few accounts but that they would move forward. We have emailed 4 or 5 times, and I spoke with the bank direcly. I called my loan officer and asked to speak with the underwriter to question the amount of income they have listed for my rental property. Citibank reported around XXXX per year. I told them that the amounts that they have listed are incorrect ( Citibank gather that I was receiving XXXX per month for a XXXX square foot apartment in a historic preservation area of XXXX XXXX. I mentioned that I received XXXX for the current month and forwarded receipts. I mentioned that I received XXXX in prior years lease, and XXXX per month in the last year. I also provided leases for the past 5 years of rent. Once underwriters spoke to me, the communication slowed. They deciphered that I was an XXXX American woman. I actually provided information which showed me having 600 % more in monthly rental income, nonetheless, the loan did not move forward. After communicating 2 to 3 times per week for a month. Communication stopped. They branch manager not loan officer could provide the silence.

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 2019-09-25 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: TX

Complaint narrative:
My XXXX XXXX account was closed and charged-off. XXXX XXXX kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, XXXX ( XXXX ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

XXXX XXXX ( XXXX ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
Experian shows FP for this account every month which means Failed to Pay. On another screen in Experian it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from XXXX, XXXX or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There was two accounts removed from credit bureau, Trans Unions report, XXXX XXXX XXXX and, XXXX XXXX during a dispute 3 months ago. Trans Union could not fix so they deleted from file on my wife and me. Ive called Trans Union and was told to contact Creditors. I contacted Both creditors and they did a update to both Accounts with all three Credit Bureaus! Now Trans Union is not up allowing, up dates to be put back on Credit File? Thats on my wife and I! Ive called and keep getting nowhere?

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 2019-09-25 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: FL

Complaint narrative:
EQUIFAX HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE ACCOUNT : XXXX XXXX -NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I keep receiving call from Arnold Scott Harris, a debt collector for the City of XXXX for unpaid parking tickets which I do not owe for any. Today was my second attempt notifying them to remove my telephone number from their database. I explained I have a business license with the City of XXXX and one of the requirements is that you can not have any outstanding debt with the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother, XXXX XXXX XXXX XXXX, who is not listed as a party on my credit card or personal loan accounts, received a debt collection call from Wells Fargo about my outstanding debt. I believe the intent of the call was to shame me into payment. The call was made during a period when I am working with a third party, XXXX XXXX XXXX, on consolidating and reducing my debt with the bank. The call resulted in the improper sharing of my financial information and placed me in a bad light with my family.

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 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I made a cash transfer of {$72.00} from my XXXX XXXX account here in XXXX on Sunday XXXX XXXX to my friends Amex Bluebird account through XXXX.. not knowing at either end that Bluebird had recently changed their tranaction policies & no longer acceptanced funds from non government & pre-linked accounts. Transferwise completed the currency exchange, & sent the cash to Bluebird, completing it on XX/XX/XXXX. They've supplied the transaction receipt with routing number & transaction reference codes, verifying its completion. Bluebird were contacted, & instead of bouncing the funds back to XXXX they have left us in the dark as to when the money will be refunded to myself/XXXX.. IF AT ALL!!! They at first denied even having the funds, then after speaking to a " supervisor '' they admitted to having the funds but after requesting a reversal of the transaction, THEY SAID THEY COULDNT HELP US! This is after multiple phone calls mind you, multiple hang ups from their end, rude customer service reps who could barely speak English & gave multiple stories as you where the money is & what will happen to it. This is absolute unacceptable & REVOLTING business practice. Ive now read 100+ complaints about Bluebird holding, & subsequently stealing customers funds with said customers left out of pocket & with no further lines of action to take as Bluebird either lie or basically say they wont help. I want my money back. Surely this is illegal practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
TRANSUNION HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : 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 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 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 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 2019-09-25 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: NC

Complaint narrative:
Today ( XX/XX/19 ) I am tried to get Equifax to unfreeze my credit report for loan. I tried to do it online, but got an error message that gave me a phone number to call. I've called the number 4 times. After giving my identifying information, the automated phone system says that either the system is down or it asks for more questions from my credit report that I can't answer. My wife has also called several times and spoken to people that are unable/unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My kohls charge minimum payment increase to {$75.00} From {$46.00} because I was late paying XXXX dollars that I wasnt aware of. I have not been receiving my emails telling me what i need to pay each month for a few months now, and because of this my account was - {$44.00} over a missing XXXX dollars. Kohls only reversed {$27.00} late fee, and does not want to change or even reimburse me the difference of the {$75.00}. Its not right because had I received that email telling me that my minimum payment was now {$48.00} instead of {$46.00} then I would never wouldve incurred a late fee and I never would have my minimum payment be {$75.00} right now. My email information is correct and Im not sure why I havent been receiving my statement I believe that Kohls should give me the difference back once I make the {$75.00} payment instead of trying to keep the whole {$75.00} because its not theirs.They told me that the bill is generated based off of my balance and interest as well as late fees and etc. so if its generated based off of that then my balance never wouldve been what it was had it not been for that late fee which in turn generating my bill to become {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
XXXX HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX/XXXX -- XXXX XXXX XXXX -- XXXX XXXX  XXXX  -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX XXXX -- XXXX-XXXX -- XXXX XXXX  -- I 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 XXXX XXXX -- EQUIFAX MORTGAGE XXXX -- XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX XXXX XXXX or any version of this address as I don't live there.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX 2019 I applied to USAA Federal Savings Bank for a refinance home loan. I wanted it to pay off four accounts at XXXX. They were as follows No.1. a home equity loan interest only loan of {$78000.00} and No.2. a personal loan of {$12000.00} No.3 a credit card balance of {$4700.00} and No. 4 another credit card balance of {$4900.00}. for a grand total of {$100000.00}. 
They fixed the loan amount to me to pay is {$100000.00}. 
As of XX/XX/2019 the funded amount to me was {$77000.00} directly to the XXXX and two checks sent to my home. one was for {$13000.00} to be cosigned by me and the bank. The other was for {$8600.00} for my signature only. They hadn't notified me of the amounts. They gave me the final disclosure document with another 100 pages needed my signature and initials on Friday XX/XX/2019 to a notary public. The three day notice for me to cancel the contract was given on XX/XX/2019 and would expire on XX/XX/2019. 
There have been other restricted problems involving the appraisal problem with my pool and needing a lawyer to explain my trust report to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Palmar, Inc.
State: AR

Complaint narrative:
On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and  extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-25 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: Commonwealth Health Corporation
State: KY

Complaint narrative:
I am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
On/about XX/XX/XXXX, I received a notice from collections agency Capital Accounts claiming that I owed {$53.00} to a company called XXXX XXXX for an XXXX exam I had back in XX/XX/XXXX. 

I replied to Capital Accounts on XX/XX/XXXX via a certified letter ( copy attached ), indicating that I was disputing the debt, and asking them to verify the debt. I also informed them that because I was disputing the debt, they should not report it to the credit reporting agencies, and if they had already reported it, to please contact the credit reporting agencies and inform them that the debt is disputed. I also said that aside from verifying the debt, they should not contact me again. 

I never received any further written communication from Capital Accounts, and certainly no verification of debt, but I did receive at least two phone calls. One of the calls was indeed threatening in nature, where the caller started off the call by yelling at me and saying something along the lines of I had 'better pay up. ' In the meantime, I had reported the issue with the medical provider to the PA Attorney General 's office. The AG 's office launched an investigation, but where unable to resolve the issue with the medical provider. I maintain that the medical provider engages in dishonest billing practices, but decided to just pay the {$53.00}, rather than hire a lawyer. The final letter I received from the AG 's office was dated XX/XX/XXXX. On XX/XX/XXXX, I submitted payment to Capital Accounts via their website. 

I just today ( XX/XX/XXXX) received a recent copy of my credit score, and it seems that Capital Accounts reported the " debt '' to credit bureaus anyway, which I understand goes against my rights as a consumer. I would very much appreciate an investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian continues to allow a fraudulent accounts to report on my credit report damaging my credit worthiness to and ability to obtain any future credit from lenders. Ive obtained legal counsel to begin the process to file a legal suit against Experian. Sent Experian copies of a contract with my signature forged. Ive sent Experian ftc and police report. Ive sent sent Experian identity theft claim Ive set Experian deleteion from other credit bureaus. 
Experian is refusing to block and knowingly allowing companies to falsley report. Ive attached again copies of everything I sent to Experian to get this matter delete expeditiously!

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 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial system has place a collection on my credit report and the debt is not mine. This was already disputed and removed from my credit report, which was reported by XXXX XXXX XXXX XXXX XXXX amount of XXXX. The date was XXXX of 2013. My dispute is I have insurance and am not aware of the time frame Im seeing in my credit report. It also says date of first delinquent is XX/XX/13. Ive always had insurance, this is some type of fraud or someone used my information to seek medical treatment.

Company response to consumer: Closed with explanation