vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: Second Round Limited Partnership, Austin, TX Branch
State: UT

Complaint narrative:
Friday, XX/XX/2019. The Debt Collector sent process server to serve papers at my brother 's house. Without my brother saying anything she quickly told him my name and they are trying to serve me for Debt. I don't live in that location. I was only staying with them for a bit but currently have my own apartment. I don't know why they would tell him my name without him asking and be telling him my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

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 2020-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

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 2020-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed two disputes with experian, XXXX  and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXXXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to experian, XXXX, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, XXXX  OR EXPERIAN. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.

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 2020-01-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Filed dispute with Citi Costco credit card which was resolved for {$6700.00}. I requested payment by check which has never been sent from Citi Costco. Numerous calls have been performed to both customer service and dispute department with agents claiming no communication between departments have been made to release the funds by check after being verbal told and by written confirmation that such action has happened. Dispute department agents repeatability have denied communication with sent letter from Citi confirming dispute details and situation of rewarded settlement. It appears the practice of misinformation between inter departments handling my dispute has resulted in nonpayment of awarded funds as Citi Costco is taken the incompetent approach to not pay what was settled.

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 2020-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I did the 90 day pay out option with acima credit for a outstanding balanced I owed to acima. At the time, I did the payout over there automated service. I did this early pay out on XX/XX/XXXX The automated service charged my card for whatever I owed them as a 90 day pay out which resulted to a payment of {$420.00}. On XX/XX/XXXX I put a STOP on any auto payments with my bank account so i could do the 90 day pay off instead. So I got the {$420.00} loaned to me to do a 90 day early pay off with acima so my total balance on the account would not double as they told me it would if it was not paid by XX/XX/XXXX. They some how Aquired my  debit card number that i never provided, and on XX/XX/XXXX started taking money out of my account again without my knowledge. So I contacted my bank and stopped all payments from them and I immediately contacted acima VIA live customer service. The representative I spoke to said there was a pending XXXX from XX/XX/XXXX that did not clear at the time of my early payoff so there for went past the 90 day pay out option and doubled my total, which they say resulted in re-opening my account. I offered to pay the {$64.00} that supposedly never went through in hopes it would clear my balance with them but the representative said I MUST pay {$900.00} now. I dont see why there system like she says, did not recognize there was a missing payment and why there system wouldnt just add that {$64.00} to the early pay off total. That is not my fault. They instead applied the {$420.00} I paid them to installment payments instead of the " early pay off ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed two disputes with XXXX, transunion and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX XXXX. From the initial dispute letters, TRANSUNION  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, transunion, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM TRANSUNION, XXXX  OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.

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 2020-01-11 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: NY

Complaint narrative:
I filed two disputes with XXXX, XXXX  and equifax regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX  XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, XXXX, and equifax on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, EQUIFAX OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello. I tried to contact Sage stream to place a credit freeze on my account. I placed one online and followed all the steps by providing all the proper documentation and validating information. 20 days have paced and I have not received any information on whether my account has been frozen yet. I tried calling and received a message telling me they were busy and to leave my name and number. I did that and continue to wait without a phone call. I need to put a freeze on my account and it is within my right to do so. I would like this resolved as soon as possible. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: ERC
State: CA

Complaint narrative:
XX/XX/2020 I submitted a dispute threw XXXX and XXXX  about the collection I have on my credit report ; from Enhance Recovery Company, the collection agency for, the amount of {$1400.00}, from XXXX XXXX. The XXXX collection was originally under another collection agency ; from XXXX  XXXX  ; for the same amount {$1400.00} from XXXX which they did remove the balance owed. I then received a letter stating they sold the collection account to a different collection agency, and there is a balance due, and was placed back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I called to make a car loan payment to Santander Consumer USA, then I heard a " click '' as if it were rerouted to another department. A woman asked would you like to receive a voucher from XXXX for only {$1.00} and an additional {$1.00} for magazine subscriptions? She told me this was a savings club, and that I can review it for 15 days and then she asked for my credit card information email and mailing address to where she would send the voucher. She said it would arrive in 3 business days. When I asked for the name of the company, email address, she said it would appear in my email and the voucher. She added that if I didnt cancel within 15 days, I would be charged {$39.00} for the savings club and {$29.00} for the magazine subscription. She gave me a 1-888 number to cancel it, but she said it very fast and I asked her to  repeat it and she gave me these two numbers : XXXX to cancel the savings club and XXXX to cancel the magazine subscription. She also said all the information will be sent in the mail and in my email and if I had any additional questions. Two days later, I when I did not receive anything in my email, I called the customer service number and the clerk said to wait another day because the {$1.00} x 2 had to be posted first before she can look up my account. The following day after I saw the posting on my bank account, I called, and she said call the next day. Today is XX/XX/XXXX I haven't received anything! I called again, and she said Ill have to wait until another 48 hours and to call on Monday. 
Here are the XXXX postings on my bank account. 
XX/XX/2020 XXXX XXXX  POS XXXX FL US XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX FL US XXXX XXXX When I looked up the number online, I came across other complaints : XXXX  : XXXX XXXX  : XXXX I thought when I was making the call that it was a promotion from Santander Consumer, but this turns out to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom this my concern or can help me resolve. I have a account with chase a checking account. Chase is the bank that writes my spousal support payments every two weeks. My check are never on time from headquarters in Delaware J.P. Morgan bank. 
I have been struggling to get chase to send me my check on time for the last 4 years. Every responsible of bills and rent in my name depend on my checks they send them late after the XXXX th and after the XXXX of each month for 4 years. Chase has control of my money under a court order demand sign from judge here in the XXXX ca county. Chase has charger me XXXX for each idem. If I get my check by mail its late everything is late. My spousal support money is all I have to live on. They will not work with me at all around 4 years of charges to my account. I have a outstanding XXXX late fees for insufficient funds. I feel they owe me all the fees refunded from 4 years they are in control of my money. They send it when they want they are just making money from me. How can I resolve all my fees refund back for 4 years of chargers when they have control of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Lender is has not returned escrow funds of {$1000.00} two months after closing ( XX/XX/2019 ). 

Mortgage was paid off and lender has received payoff funds XXXX XXXX XXXX for Mortgage payoff. 

The funds were wired to their bank ( XXXX XXXX XXXX Bank on XX/XX/2019 ) Lender refuses to reflect the loan as paid off, and continues collection efforts even though they have record of the loan being paid in full. I've called numerous times and been placed on hold for over an hour before being disconnected abruptly. 

My credit report still reflects the full loan amount due, and I have received numerous collection calls from the lender. 

the lender is : XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Sometime around XX/XX/2018 I received a call from ProCollect stating that they had a collection that belonged to me. After calling them back I realized that my previous apartment complex, XXXX at XXXX XXXX, never sent me the final water bill and instead sent it straight to collections without ever noticing me first. ProCollect assured me that if I paid the collection it would be removed from my credit report, and my credit score wouldn't be affected. Upon getting a credit check last week i realized that this wasn't true, and that my credit score was affected and it showed it was a derogatory account by Procollect. When attempting to contact ProCollect in order to ask them to remove it as promised, the representatives hang up on and put me on hold indefinitely when I ask to speak to a supervisor. This is the only derogatory item in my account, and it's there because the apartment complex never reached out to me in order to pay. I have never paid a bill late in my life and their mistake is costing me the ability to buy a home.

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 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Yea my money was put on Venmo money from car wreck and playing with my money over 1100 fruadulent activitys just give me my money in part ways

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( 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 non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VT

Complaint narrative:
XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX  and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. 

The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. 

On XX/XX/XXXX I received an alert again from both XXXX  and XXXX  that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX  and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation