vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 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 is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: CA

Complaint narrative:
XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I first discovered this account on my credit report and immediately send a letter of dispute on or around XX/XX/2019 and received no response. I have also included a dispute with the 3 major credit reporting buerus and it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NJ

Complaint narrative:
My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX at XXXX. It was a notice of intent to file civil lawsuit. Then someone shows up at my house looking for me to serve me paperwork for a lawsuit filed in court before my 30 days. They're trying to grab more fees and attorney fees as well. The company Portfolio Recovery Associates E-File Payment on XX/XX/2019 for {$46.00}. Granted they wrote this letter on the XXXX of XXXX and it does take at least one to two days to get to my house. This is crazy no one has enough time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: MT

Complaint narrative:
As of XXXX XXXX, 2019, I have been contacted nearly ten times since XXXX XXXX, 2019, a span of a little over a week. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting. 

1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account. 

2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}. 

3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A company call convergent outsourcing, client service, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. They attempted to collect a debt that was originated as a fraudulent account with the XXXX XXXX  XXXX XXXX, a utility company. I informed them in 2019 that this was a fraudulent account and I am not responsible for it. I filed a police report and provided them with the information. However they continued to call me daily, nonstop, sometimes twice a date to collect on the debt. In addition, the utility company itself refused to help. I asked for information on how the account was opened with out my consent, I was told thats non of my business. I find this abaolutely unacceptable both by the debt collection agency as well as the utility company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: AZ

Complaint narrative:
There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. XXXX is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. Experian has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both XXXX and Experian won't remove the fraudulent address from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to purchased XXXX XXXX. My husband communicated with salesman and sale manager XXXX before we head down there but once we got there, they told us they dont have the car. We drove 75 miles on their word they have the car on the lot! Salesman, XXXX, was very nice and helpful so we thought we will give it a chance even though they dont have the car. They promised the car by Monday XXXX the lastest but that never happened. They also overcharged us by {$1000.00} but we caught it after we got home. I reached out to XXXX but didnt hear back from him with straight answer and not within a timely manner. We wait until last Friday and the dealership still not reach out to us. We got tired of waiting for them so we went to another dealership and found out that XXXX XXXX already submitted our paperwork to Kia Motors Finance to fund a car that they never even provided! They never provided us a car but already take fund under our name. We were told when we signed paper work with them that this is not final and will not submit until they have the car. We reached out to Kia finance and they were not helpful. They said to contact XXXX  XXXX directly. This is extremely disappointing. How could north Kia get the fund for the car that they havent provided us. We would really need help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2017 Called bank of America credit card department to remove myself as a authorized user of my ex-husband credit card. I didn't know why my name was on it in the first place. The associate told me that if I didn't have the account number they couldn't help me. I called again with the account number. The associate said that she couldn't verify me so couldn't help me. I told her that she couldn't ask me any of my information. She said she couldn't. I asked her what was her name and she said XXXX. I asked her what is her last name and she refused to answer. She could ask me any questions to verify me but she didn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: AZ

Complaint narrative:
There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. Equifax is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. XXXX  has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both Equifax and XXXX won't remove the fraudulent address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: PA

Complaint narrative:
for the last two months I have been calling equifax to get them to stop sending the companies that I have accounts with that I am disputing something or that the account is fraudulent or something over and over again I have called them and they still doing the same thing they have messed up my account with modells because of this I ask you is there anything you can do to get them to stop this can you please help with this matter asap can you send me any legal advice or anything that will help I have no problem taking legal action against them this has got to stop and stop now is there a way I can file a police report or anything else I can do to get them to fix the problem that they have caused I have called XXXX  last month when it first happened and everything was fine and then they reported the same information again to them and my account was closed because of this and now I have to call them back and go through the same thing again please do whatever you can to get this issue resolved I am tired of this XXXX they are putting me through please help me out with this matter asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint against, XXXX XXXX for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account XXXX XXXX purchased from XXXX XXXX XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. 

Original Credit card account details : Creditor : XXXX  XXXX XXXX Account Opened : XX/XX/XXXX Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed This information confirms that XXXX XXXX purchased a debt from XXXX XXXX XXXX, which had been established as Charged off. XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XX/XX/XXXX. 
This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX XXXX XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX claims the debt began. 

This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX XXXX XXXX, to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a complaint last year regarding American Express Serve, they claimed my account was over drawn by {XXXX}. I provided statement records showing that they never added a refund from a return from XXXX. I kept getting the run around and they never could show when and where the money was ever returned to my account which resulted in a very rare overdraft of {XXXX} on a XXXX account. Regardless I was tired of dealing with it and they would not let me close the account so I figured I would deal with it later. I continued to receive monthly emails informing me that my account was XXXX} overdrawn until XX/XX/XXXX when I received this email : During a recent review of your American Express Serve Account we noticed activity that was in violation of the Serve Member Agreement, section : XXXX. 
Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call XXXX XXXX XXXX at XXXX. 

I hadn't used the account for months and when I tried calling I get a message informing me that I can only write the address they will provide and that I can NOT speak to any on the phone regarding any of activity they are referring to. Odiously something happened on XX/XX/XXXX because on XX/XX/XXXX I received an email showing my account had a credit of {XXXX}. I tried to get some information but my account was now suspended, I had been blocked from speaking to any one and I had no access to my money or information as to how I went from owing them {XXXX} to now having a credit of {XXXX} that I can't access. Finally I decided to order something from XXXX for around {XXXX}. I quickly received this email : During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I hadn't done anything to violate any terms, my account has been suspended with a negative balance for months and only as of XX/XX/XXXX did I have a credit for an account I cant access. These people are dirty and I want to see my statement and what happened that made my account go positive. I think i have every right to know why I had an account I could not access or even close. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My vehicle was totaled in an accident on XX/XX/19. Ally Financial refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with XXXX XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: PA

Complaint narrative:
I am submitting this complaint against, XXXX XXXX XXXX, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX XXXX This was an account XXXX XXXX XXXX purchased from XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. Original Credit card account details : Creditor : XXXX. Account XXXX : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that XXXX XXXX XXXX, purchased a debt from XXXX, which had been established as Charged off. XXXX XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX 's own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX XXXX XXXX the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX, to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with BanK of America. I deposited a check on the second week of XXXX, and by XXXX or XXXX of XXXX, it showed the amount being deposited and in the bank app, it shows that this money has come to my account. 
They guy who gave me the check asked for the money to be sent to someone else, so I transferred the money using XXXX XXXX. 
2 days later, this check bounced so I asked the bank to stop the XXXX transfer immediately and credit the money back. I narrated the whole incident to their call center exec. I placed this call on XXXX or XXXX of XXXX. 
10 days later ie about XXXX XXXX, they sent a message saying that the transfer was legit and everything was good with XXXX transfer. I lost {$1900.00} to the fraud. 
Fraudster involved with the case had this XXXX id ie XXXX ie XXXX. His phone is XXXX XXXX XXXX, other id 's used by him were XXXX and XXXX. 
Why does the bank show credit after 2 days, and reverse after 2 days. Why dont they credit only after the check money is received after 3 or 4 days? Why did they conclude that the XXXX XXXX was legit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NJ

Complaint narrative:
My vehicle was totaled in an accident on XX/XX/19. XXXX XXXX refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with Personal Service Insurance Company ( XXXX ).

Company response to consumer: Closed with non-monetary relief