vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent out the bankruptcy letter to XXXX and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On Sunday XX/XX/2018, I received an alert from a credit monitoring tool 'XXXX ', indicating a collection account has reported unpaid on my credit report causing my score to drop 40 points!! The collection account was Diversified Consultants who was servicing the account for XXXX cable. I called the company Monday morning to find out more information as I had not received a notification in any form from Diversified Consultants that they were collecting this debt. They shared with me the account is {$240.00}!!! I am in the process of building a home and I'm working diligently to increase my score and not allow for anything to decrease the score. This debt was not something I was informed about prior to them reporting to the credit bureaus as I would've made sure the balance was paid. I moved in XX/XX/2018 and submitted a change of address in XX/XX/2018 ( attached ). If Diversified Consultants sent notification of this debt to the old address ( XXXX XXXX XXXX XXXX, Oh XXXX ) it would have been forwarded to my new address ( XXXX XXXX XXXX XXXX, OH XXXX ) or returned to sender. I confirmed Diversified Consultants had the old address on file and I provided the new address to them during our conversation Monday XX/XX/2018. XXXX was aware of my relocation and had my new address as I had to physically drop off my cable and internet equipment at their office on XXXX XXXX XXXX XXXX, Ohio..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am an attorney in New Jersey. I sold a home and the proceeds were wired into my Attorney Trust Account on XX/XX/18. Once the wire posted, I wrote a check from my attorney trust account to myself and went to my local Chase branch to deposit it into my personal account. The teller told me it would be a 2 day hold. I said " Fine '' and deposited the check. On the day the hold was to be released, I get an email from Chase saying that they were going to hold it an additional 8 days. I went to the Chase branch who then had to call me back once the manager returned. Manager said she could not do anything. I asked to give me the check back, but they said that they could not do that. They escalated the problem to their corporate help line, but they said that they would not clear it nor give me my check back. The only reason for the hold was that the check amount was large. As a lawyer, if I bounce an trust account check, I would lose my law license and go to jail. 
I have completed thousands of real estate closings and never had a proceeds check held for a week and a half. If that was to be the case, I would have wired the money. I believe that they are only holding the check to take advantage of using the interest free money for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt  collections agencies, to date, have closed the account due a lack of sufficient evidence by 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 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I recently checked my credit file and discovered this company has reported that I owe them a debt. I have never received notification from this company prior to them placing this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. 
I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX   XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. 

A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. 
It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. 
Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. 
On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the 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 2018-10-05 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: CA

Complaint narrative:
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, TRANSUNION AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
TRANSUNION-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX 2015.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: CA

Complaint narrative:
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, XXXX AND EQUIFAX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXX-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
EQUIFAX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday, XX/XX/18, there was a {$50.00} dollar merchant charge for hotel incidentals placed on my account. 
On Tuesday, XX/XX/2018, I called Bank of America to inquire about the merchant hold ( {$50.00} ) that was still on my account. I was told by the representative that the hold would fall off my account by midnight. On this same day, I had a check post to my account. 
On Wednesday, XX/XX/2018, I was charged a {$35.00} dollar fee because the merchant hold was still on my account. I called BofA and was told that the merchant told the bank to extend the hold. 

The initial charge {$50.00} charge was for incidentals at a hotel for 1-night stay. 

The hold was release on XX/XX/2018. Bank of America stated that due to not having enough money in my account, the fee was valid. 

When I called Bank of America on Tuesday XX/XX/18, I was told that the transaction would " wash '' and funds would be available. That was not the case and I was misinformed by the bank 's associate which resulted in the overdraft fee.

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 2018-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US BANK IS REFUSING ME TO ACTIVATE MY VISA DEBT CARD VIA XXXX XXXX I NEVER SPOKE WITH THE REP NAMED XXXX XXXX I NEVER EVER SPOKE WITH HER ON THE PHONE ABOUT MY PREVIOUS CASES I OPENED AND WHEN I CALLED THE NUMBER US BANK XXXX CUSTOMER SERVICE THEY SAY THEY NEVER KNOW I OPENED A CASE BY DEFINITION OF A BUSINESS COMPLAINT ANY ONE WHO DEALS WITH YOUR COMPLAINT THAT PARTY HAS TO CALL THE CONSUMER BY PHONE THAT REP WHICH I STATED THE NAME THEY HAVE TO CALL AND GIVE THE INPUT TO THE CUSTOMER ABOUT THE COMPLAINT AND MY COMPLAINT WITH US BANK WAS NOT RESOLVED BY THE REP NOT DISCLOSE HER PHONE NUMBER TO HER OFFICE INCLUDING A EXTENSION NUMBER TO SPEAK ABOUT YOUR COMPLIANT NOT THE CUSTOMER SERVICE LINE IT HAS TO BE THE CORPORATE NUMBER WHO DEALS WITH COMPLAINTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2018-10-05 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: NV

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
To whom it may concern : I have a collection account on my file from a collection agency, IQ DATA INTERNATIONAL, the accounts is as follows ( IQ DATA INTERNATIONAL account # : XXXX ). Please be advised that I am disputing this collection due to, IQ DATA INTERNATIONAL & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, does not currently have a valid license in Louisiana to collect on debts. The information attached is not yielding and results for an active license with for this company according to, Louisiana Secretary of State ( XXXX XXXX XXXX ). I am requesting the the matter be investigated and delete these accounts from my credit file immediately or provide me with physical proof that IQ DATA INTERNATIONAL is licensed to collect debts in Louisiana. Your immediate response will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Cir/Madam, Capitalone bank restricted my credit card use for fraud. I did nothing more than chaging the billing address. They have restricted my card for over half a year and with multiple phone calls never resolved my issue. They are very incompetent. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/XXXX I tried to apply for a paypal credit line. It said I was approved and to link the account. When I tried it said it was already linked to another account. I called PayPal credit who forwarded me to bill me later who in turn told me the account was closed as a charge off. I was confused about the debt and honestly didnt recall owing them any money especially when ive never received any notice. I took the third party debt collectors number the account number and the amount owed for my own record. The agent then told me that there were consistent payments and they stopped in XX/XX/XXXX and the account charged off in XX/XX/XXXX. 
I looked at PayPal credit terms and conditions and read through their policy book. They are not allowed to reinstate an account that is delinquent. My account legally is not delinquent because it was charged off and sent to a third party. Legally paypal credit can no longer use my social in connection to their company because it does not belong to them anymore and does not exist anymore and I legally am not considered to be in debt anymore. I spoke with a supervisor who refused to reset my account and delete the delinquent status so I may reapply. He also refused to give me the number to their corporate office and was very snippy. I informed him of his company 's policy and that they were in violation on their own terms and conditions in refusing to delete the nonexistent account and it was illegal. He gave me a fax number and p.o. box with no name and no contact point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Mailed Letter on XX/XX/2018 recieved response on XX/XX/XXXX and XX/XX/XXXX no validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation