vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX the company CBE Group has  called my phone after XXXX XXXX a total of 19 times. The majority of these phone calls was made at approximately XXXX XXXX, with one at XXXX XXXX. I currently live and work in XXXX, XXXX and have been here since XX/XX/XXXX. I have no debt that I am aware of, and this company never picks up the phone when I attempt to contact them when I wake up in the morning. I'm sick of getting phone calls in the middle of the night from this company, it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
The complaint is against Flagstar Bank XXXX XXXX XXXX ( XXXX ) XXXX, MI XXXX We closed and paid off our loan at the end of 2019 on XX/XX/XXXX via a refi. 

The dashboard for Flagstar 's online account shows the account was paid in full on XX/XX/XXXX and showed an Escrow balance of {$2400.00}. However, on the XXXX XX/XX/XXXX they charged us 2 months of PMI/MIP ( {$340.00} ) even though no balance was due and deducted it from the positive escrow balance they were holding. 

Further, even though they were paid on the XXXX XXXX they charged interest till XXXX XX/XX/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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
USAA Federal Savings Bank is once again reporting my account in error. 

USAA shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, USAA is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask USAA to send you a paper trail of all these date changes then please fine 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 2020-01-07 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX is once again reporting my account in error. 

XXXX shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, XXXX is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask XXXX to send you a paper trail of all these date changes then please fine them.

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 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My automatic monthly payment was withdrawn from my checking account and I was charged an unavailable funds fee despite there being more than sufficient funds in my account to cover the charges. My bank did not charge me an overdraft fee, but the loan servicer charged a fee as if the account was overdrawn and they could not collect the scheduled payment, despite collecting the payment in full. I would like the additional charge to be refunded to my account, as the loan servicer clearly charged it when there was no cause to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB Corporation
State: IL

Complaint narrative:
This debt I am disputing has already been settled with the collection agency for an agreed-upon amount. It shows as paid on my credit report, however it has not been removed.

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 2020-01-07 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: CA

Complaint narrative:
In XX/XX/2019 purchased socks for {$12.00} from XXXX 's using my XXXX 's credit card to get a discount. In XXXX I paid the bill, so I thought, through XXXX XXXX on line bill pay service that I signed up for years ago, and linked it to my checking account. I had been a XXXX XXXX customer for 28 years. In XX/XX/2019 I found out that the {$12.00} bill had not been paid and was now {$16.00} and so I paid the bill directly. I saw a notice from XXXX XXXX later that the checking account linked to the online bill pay service was closed. I then remembered I closed that my checking account and opened a new one for fraud protection sometine over the past 18 months and forgot to change the link to the new account on the XXXX XXXX online bill pay service. Since I typically paid my XXXX XXXX  bill through my XXXX XXXX XXXX XXXX Bill Pay system or directly, bi-passing the XXXX XXXX bill pay service, I did not recognize the earlier notice XXXX XXXX sent about the checking account problem as XXXX XXXX sends out hundreds of promotional and advertising emails all year long. During a review of my credit report in XXXX, I noticed that my credit score had dropped from XXXX to XXXX in XX/XX/2019, a direct result of the inadvertent late payment of {$12.00}. XXXXXXXX XXXX treated me very poorly and condecendingly, when I tried to expalin what happened consistently telling me it was my fault for not paying my bills on time. I am being punished for 7 years based on a {$12.00} honest mistake after being a good and loyal customer for 28 years. The laws and rules governing these kinds of disproportionatly puniative credit measures must be changed. I closed my XXXX '' XXXX account because of their treatment.

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 2020-01-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After monitoring my credit and bills. The change and paying off hasnt been reflected in my report. Old items seem to still be present.

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 2020-01-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After monitoring my credit and bills. The change and paying off hasnt been reflected in my report. Old items seem to still be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit systems are trying to scam me and have me pay twice! Ive settled and paid my debt off. They are attempting to collect the same debt twice. They placed two collections one for rent and other fees and another one with the same rent and fees included. Ive requested over and over for a copy of what Im paying and why Im paying rent twice. When the security deposit covered it, and I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.

Complaint narrative:
I have contacted several equifax via phone and via letter to let them know that they are reporting an incorrect address for me. I have submitted identity proof and a copy of my bills showing the correct address however they continue to report the incorrect information. For some reason they show that my address is in XXXX Florida however I do not live in XXXX or in Florida. I have wasted over 15 hours trying to fix my address and they continue to report it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used my Citibank check to deposit {$5000.00} into my own XXXX  XXXX XXXX account on XX/XX/2019. Later on Citibank returned the check resulting in XXXX XXXX XXXX closing my account citing suspected fraud activity, and charging me {$24.00} returned check fee. I have enough funds in my Citibank account, and Citibank told me I have not activated the account feature to use the check. I have never been told of this feature that needs activation, even when Citibank sent me the first box of check. So I think I was not fully informed of the details of this account, and Citibank should be responsible for this chaos.

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 monetary relief
Consumer complaint received 2020-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AA

Complaint narrative:
I have contacted USAA several times to let them know that there is a glitch in their system that is reporting the wrong location for zip code XXXX. Zip code XXXX is for a XXXX, however their system is reporting it as XXXX FL. they reported this information in my credit report and now my XXXX  account s locked. I spoke to the banking area and they tell me that I need website support I speak to website support and I am told that banking needs to fix it. they don't seem to understand that there is a glitch in the system that makes zip code XXXX appear to be in Florida, see my attachments to see what USAA is reporting and neglecting to fix. When I attempted to open a new account the incorrect address appeared in my USAA account. When I generate a direct deposit slip the incorrect address populated in to my direct deposit form. when traveling the USAA app shows that my home location is in FL. This is incorrect and USAA is reporting my address as in Florida and they are not willing to do anything to fix it. See attached USPS zip code look up that confirms that ZIP XXXX is not in FL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I field my 2018 Mo. Taxes with tax act. I was supposed to get my Mo taxes on a American Express serve pre paid car. 
Well I still have not received a card with any money on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking account in XXXX 2019, due to 'suspected fraud activity '. It happened after the check I deposited was returned by XXXX. Bank of America also sent negative reports to reporting agencies and charged me {$24.00} returned check fee. However, all this was caused by XXXX mistakes as they did not activate the check feature and I have already complaint to XXXX about that. This is not a fraud. I did nothing wrong and this is not fair to me.

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 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I was looking on XXXX for a loan to cover some educational expenses ( I am in XXXX  school ) and have reached my federal loan limit. I applied to and was accepted to " XXXX ''. I read the fine print as it was stated only to be stunned that when I was " approved '' for the loan the information returned was not consistent with the original agreement. I was approved for a XXXX dollar loan and the returned information that was falsely returned stated that I was responsible for an interest rate of : " 894.8297 % '' besides being a decimal point, it is a violation of the " Usary act '' to charge this amount of interest. Additionally, it stated I incurred a finance charge of " {$2800.00} '' ( for a XXXX dollar loan ) and a total amount of payments of " {$3700.00} ''. This is insane! I am going to my bank tomorrow to close the account for good. I am calling this company tomorrow to indicate that I want to return the loan in full immediately! Furthermore, this arbitration agreement states the company is " Silver Cloud Financial , Inc. is an economic development arm of, wholly owned by, and controlled by the XXXX XXXX XXXX XXXX XXXX ( the " Tribe '' ), a federally recognized and sovereign XXXX XXXX XXXX Tribe. This means that your loan is provided by a sovereign government, and the proceeds of the business fund governmental services for the members of the Tribe. ". I am not a XXXX XXXX and this surely can not be legal.

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