vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I tried to dispute two fraudulent accounts reported on my Equifax credit report by a company called XXXX. Equifax denied my request to directly dispute these accounts with them. XXXX is fraudulently reporting payment activity to the accounts in an attempt to commit fraud and circumvent federal and state laws. Equifax is complacent in XXXX criminal activity. No payments have been made to these accounts ever! In XXXX I disputed them directly with XXXX   and they ignored me. Equifax is obligated under the law to allow me to dispute inaccuracies to my credit report and investigate my claims but is refusing to allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In my Marital Settlement Agreement dated XXXX, Page 5 shows that the Bank of America Credit Card belongs to my ex wife XXXX. This was signed by the judge XXXX, in my Final Judgement for Dissolution of Marriage. I have been contacting Bank of America for the last month as this still appears on my credit, and my ex-wife has let it default. On the phone, I continue to get transferred to people who tell me they will look into it, and then nothing. I did receive attached letter dated XXXX, saying it could not be transferred to a 3rd party. She is NOT a third party and was on the initial qualification for this card. I have a court order that this is no longer my responsibility, and this needs to be removed from my credit.

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 2018-08-09 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: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
My wife and I purchased a car from XXXX XXXX XXXX back in XX/XX/2014. When my wife started her XXXX treatment, we realized we were in need of filing bankruptcy. Before filing, we took the car back to the dealership and let them know we were unable to keep it. The charge off on our credit is {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. 

The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.

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 2018-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I do not recall the date, sometime in XX/XX/XXXX or XX/XX/2018. I had advised the company not to call my work, putting me at risk to lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX, 2015 I my car was hit by and insured of XXXX XXXX XXXX XXXX XXXX XXXX The insurance company took liability of their client being at fault. XXXX XXXX is reporting me at fault causing my insurance rate to increase. I spoke XXXX at XXXX and a certified letter is being sent to me to prove that XXXX XXXX is reporting false and incorrect information. I have a copy of the police report showing I was the victim. Esurance claim # : XXXX Adjustor was XXXX XXXX no longer there but XXXX replaced that adjustor her # : PH : XXXX. I only learned of this XXXX XXXX today the reference # : XXXX when getting an insurance quote

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: FL

Complaint narrative:
Experian has returned for a 3rd time with item remains from dispute although they were provided with documentation that the item from XXXX XXXX XXXX is reporting the Original Creditor incorrectly. I was advised today by the Experian Dispute Representative via phone that they do not require the company in dispute to provide to them any type of verification to them only to certify to them that the information is accurate. I find this process of dispute absurd! Why would an already shady company remove or update something in dispute if they do not have to provide any verification? It's like Experian is working in collusion with the creditors and big business instead of in defense of the consumer.

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 2018-08-09 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: PA

Complaint narrative:
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with portfolio recovery to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I applied for the American Express Blue Cash Back card as they were offering a promotional deal - {$150.00} statement credit after you spend {$1000.00} in purchases on your new Card within the first 3 months. I was approved for the card and made over {$1000.00} in purchases in the first 3 months. 

I have not seen the promotional credit still as of XX/XX/XXXX. I have communicated with American Express multiple times. They have claimed to investigated the issue ( ID XXXX ) and determined the offer was not available when I applied. I do know that the offer has been around since at least XX/XX/XXXX, and is still available on their website today. 

American Express has also acknowledged a problem with my account failing to accrue any rewards points for my purchases. They have offered to credit me 1 % of my purchases. I decline this offer, as I am entitled to the {$150.00} statement credit offered, which is what got me to apply for their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: R.A.Rogers, Inc.
State: CO

Complaint narrative:
This company constantly calls from different numbers and called my ex wife when they should not be. They have been told to stop, but will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with XXXX XXXX to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I checked my XXXX bank account online last night and noticed that Navy Federal Credit Union conducted an unauthorized charge to my XXXX bank checking account by the collections supervisor XXXX for a payment to a closed credit card account. When we contacted her today, she stated that my wife XXXX ( who was a card user only ) was the one who authorized the ACH charge to XXXX according the the NFCU recording of the conversation XXXX listened to. 

XXXX stated that the recording is NFCU property and we can not listen to the recording. We asked her to escallate this problem to NFCU management. 

We do not believe the response from the supervisor and would like to hear the recorded conversation for ourselves. We would like to escallate this complaint to senior management at NFCU. 

My wife XXXX and I " DID NOT AUTHORIZE A CHARGE PAYMENT TO OUR EXTERNAL BANK via ACH as the supervisor stated that was in the recording. 

We would like to hear the recording to confirm that we authorized an ach payment or allow an independant person within Navy to produce a transcript of the conversation recording. 

Since we are disputing the unauthorized charge to our external bank account we should have the right to hear what the recorded conversation states contrary to what the supervisor states. 

Please feel free to contact me for more details. 
Regards, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I began the process of refinancing my existing Variable rate first mortgage with Homeside Mortgage Company in order to lock in fixed interest rate. I explained to the Homeside Representative handling my account - XXXX XXXX - the terms I was looking for, and was promised by him ( at various times throughout the transaction ) the  following : 1. The {$450.00} home appraisal cost would be credited back to me at closing ( it was not ) 2. It was " against the law '' to continue paying my homeowner 's insurance separate from my mortgage - apparently due to the level of equity and the debt to value ratio of the fixed rate loan. Additionally, he said that now I " won't have to worry about paying my homeowner 's insurance policy anymore '' because the mortgage Homeside was selling me would " take care of it ''. However, due to a miscommunication between my homeowner 's insurance company - NJ Manufacturers - and Homeside, the balance of my XX/XX/2018 homeowner 's policy ( approx. {$880.00} ) was NOT accounted for at closing and is still due. After pointing this out to Mr. XXXX, I was informed that I would have to " pay it separately - which is now apparently not " against the law '' to do. 
3. The money to pay off the mortgage I was refinancing would be wired to the mortgage holder - XXXX XXXX XXXX XXXX - on Monday, XX/XX/XXXX. It was not - a paper check was " over nighted '' and arrived there on Tuesday, XX/XX/XXXX, apparently because the wiring instructions were not clear ( XXXX vehemently disputes this and said the instructions were included with the payoff letter they sent to Homeside ) 3. As long as the XX/XX/XXXX payment due on the mortgage I was refinancing was paid at some point in XX/XX/XXXX, my credit would not be affected. Today - XX/XX/XXXX I was informed by XXXX  that there is a " late payment '' notated on my account from XXXX for the XX/XX/XXXX mortgage payment ( currently under dispute ) ( * Please Note that I signed the closing papers for this mortgage in my home on Wednesday, XXXX ) I feel that I was misled by Homeside throughout the transaction, and suffered various consequences due to their incompetent handling of the appraisal of my home, escrow analysis of the refinanced mortgage, payoff of my old XXXX mortgage, as well as the whole closing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: FL

Complaint narrative:
I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account. 

I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior. 

I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX  id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: FL

Complaint narrative:
This mortgage was transferred from XXXX  XXXX XXXX to XXXX XXXX XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

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 2018-08-09 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: FL

Complaint narrative:
This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: FL

Complaint narrative:
This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

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 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/XXXX TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/XXXX Amount not received by XXXX XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/XXXX XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX XXXX # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/XXXX Our account showed a payment of {$240.00} to XXXX -- XX/XX/XXXX Our account showed that the payment was delivered to some XXXX   account ( not XXXX 's ) -- XX/XX/XXXX XXXX XXXX & XXXX 's account show NO payment received on XX/XX/XXXX. -- XX/XX/XXXX XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/XXXX After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/XXXX XXXX claim case opened : XXXX XX/XX/XXXX XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as XXXX XXXX has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by XXXX XXXX including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX XXXX XXXX have no other bank account. XXXX also called XXXX XXXX & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the XXXX XXXX banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who  took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.

Company response to consumer: Closed with explanation