vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX of 2018, my TD Bank credit card was used to purchase over {$2000.00} worth of clothing and memorabilia. I contacted the bank to notify them of the fraud. After an investigation, they determined it was not. I asked what further steps I could take in order to get it resolved, an associate told me I would be sent some kind of merchant paper which I would have to sign and send back stating it was not me that made the purchase. I never received the form and through many calls, I was told it was sent out. I confirmed the address and everything else, the bank still did not help me resolve this issue. I asked for the investigation to be reopened, the bank did not do so. After checking online, ( XXXX XXXX XXXXXXXX ) I found that a person can only be liable for up to {$50.00} for fraudulent activity on their account. I notified the bank once again and was put on hold for hours without a response. Countless times, I have been bothered by the bank or their debt collectors but no one seems to care about the fraud that occurred on my account, they only care about the payment. I shouldn't have to pay when a bank is not able to keep my account secure. Especially when I have tried to resolve the issue so many times, I am being bothered and told that I need to pay or it will be given to the next department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
On or around XX/XX/XXXX, a credit bureau dispute was submitted against this company for an erroneous balance they claim is owed to " XXXX XXXX XXXX ''. On or around XX/XX/XXXX, a written dispute and request for validation was sent directly to collection agency, Hunter Warfield Inc. They were also advised to cease and desist verbal communication. This company failed to provide adequate proof of this alleged debt within a reasonable time frame. They continued to call and harass me repeatedly after receiving notice to cease communication other than a written response to my dispute. They also reported to the credit bureau that this debt was verified as accurate, however after speaking to the original creditor it was found that the balance was in fact erroneous. This debt was taken to court in XX/XX/XXXX through XXXX City Court and was dismissed. I have filed an attorney general complaint against the owner of this debt, XXXX XXXX located in VA as well for failure to address and correct this matter within a timely manner. Hunter Warfield Inc has had many complaints against them for deliberate violations against consumer rights. They run a very unprofessional operation and I believe their name is used as a scare tactic to make people think they are an attorney, which in my opinion is a deceptive practice. I would like to ask that this company be fully investigated by the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I was out on XXXX XXXX  from XX/XX/2019 through XX/XX/2019. I had been speaking with different reps at USAA bank in regards to my credit card account and ways that I could keep it open being that I was out of work. On XX/XX/2019 I spoke with a rep in their member debt solutions department who assured me that the account was still open and that I needed to make a minimum payment of {$26.00} in order to give me more time to keep the account open. Per this member the account would be closed after 6months of no payments. I made that payment of {$26.00} that day along with another payment of {$75.00} a week later. Fast forward to XX/XX/XXXX. I call USAA to verify why I didnt have an available balance on my credit card, I just made a payment on XX/XX/XXXX in the amount of {$200.00}. The rep advised that the account was closed! There was no knowledge to me that the account was closed. No one that I had spoken to between XXXX and XXXX had mentioned the account was closed and they called me everyday. I asked could they pull the call from the rep who advised that the account was still open as of XX/XX/XXXX and they said someone would call me back and never did. I called again on XX/XX/XXXX and was told that there is nothing they can do when the account has been closed. The rep suggested I reapply but my credit has been negatively affected by this for months so there is no way that I would get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint narrative:
Years ago Equifax current personnel deleted my current address of that time. Since then they have not permitted me a copy of the report related to me. Even though I have a registered user name and password with Equifax! 
Calling in, they ask usual ID questions, OK. Then questions of erroneous information are asked, to which I answer none of the above. Then I was denied access, for which I am told to send in information of a certain format via snail mail. I did, with extra supportive documentation. Then I was told that the documents were not excepted. Hung. 
This problem persists today, their errors unresolved. 
Past addresses of record were in XXXX, XXXX ( a mail service only - used for many years ), and an address in XXXX, XXXX ( street has varied slightly ). 
My present physical address is in XXXX. For this I presented documents of passport, Homeland Security ID, XXXX residency card, XXXX driver 's license, and utility receipts. They still did not complete the update. 
I have physically lived in XXXX for 23 years. Now I have been informed of a new erroneous collection on my record related to supposed service in the USA, when I am not in the USA. 
Further, Equifax has no authorization in XXXX. 
Equifax documents related to my consumerism should only be historic. 
Additionally, I have been informed that I am a victim of the Equifax XXXX data breach. For this I am entitled to additional services and compensation. 
Due to the above information, on XX/XX/XXXX, I clicked an Equifax link to spot check the Equifax credit score supposedly related to me. Equifax error again - this link enrolled me in Equifax Core Credit service. I received an email to that affect informing me that for this I am not eligible for my lawful free credit report copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FACTUAL DATA CORP.
State: WI

Complaint narrative:
i tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Signed up for a Transunion account, they asked for my credit card info, which I provided. Nowhere in the entire process did they mention that this would be for a subscription that costs {$25.00} a month. Upon finding out that I was billed that amount out of nowhere, I tried to cancel. I could not find a single method to cancel online without having to call their customer support line. I would like to cancel and have them refund the {$25.00}.

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 2019-10-18 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: NJ

Complaint narrative:
XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.

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 2019-10-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank AAadvantage card. I opened a CC from Citi to use for work travel. A couple days later they blocked transactions and said they couldn't verify my identity. I have literally called 10 times and have asked to provide everything I can to help, to no avail. In addition, they mentioned they sent a letter via snail mail to my home, in which I've never received. I can't close the account nor even use the card at this point. Help!

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 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I had a repeat visit to my dentist as a result of an error made by their staff. At that time, XX/XX/19, I was told by the dentist that there was " no charge ''. Approximately 4 months later I received a bill for {$49.00} for that visit. I attempted to dispute multiple times and I have disputed with debt collector. The most recent debt collector JJ Marshall & Assosciates is now attempting to collect {$85.00} rather than the original {$49.00} billed amount. I was told there was no charge, then was billed {$49.00}, now I am being charged {$85.00}. This is not a valid debt.

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 2019-10-18 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: NJ

Complaint narrative:
XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XXXX : XXXX XXXX XXXX XXXX need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.

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 2019-10-18 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: NJ

Complaint narrative:
XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
During the year 2016 i have became XXXX which affected a loss of income and not able to afford my mortgage so i fall behind that my home went into foreclosure and locks was secure on the door where im not able to get in and i was never serve with a sheriff 's notice. Jpmorgan chase bank refused to help with a loan modification which they cancelled it less than 5 days after i sent the 2 payments. They constantly call me every day i understand they need their money but im facing a financial situation with a lost of income death in family and disaster with major repairs that is needed. please help me to resolve in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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:
At the beginning of XX/XX/2019. I submitted a dispute for all 9 of my department of education loans, disputing the monthly payment amount. Experian disputes the wrong information. So I had to open a new dispute to dispute the monthly payment amount on XX/XX/19. Experian told me to send in proof if I had it and they would attach it to the open dispute. I found out on XX/XX/19 they closed my XX/XX/19 dispute and opened a new one. On XX/XX/19 the department of education/Nelnet send Experian the correct monthly payment amount of zero for all accounts. Experian says they have nothing and the dispute will remain open until XX/XX/2001. Every time I call I get people I other countries who dont understand what Im talking about. This is effecting my credit to debit ratio and Im unable to do anything with me credit because of this issue. All other credit companies have the accurate monthly payment amount except for Experian.

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 2019-10-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX and Equifax refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: DISCOVER BANK
State: NY

Complaint narrative:
Because I filed a complaint ( XXXX ) regarding my personal loan issues Discover is now retaliating and not allowing me to use my Discover credit card. This is appalling and unacceptable! They worked in competence and when they elected to ignore the problem they created, I filed a complaint. They need to explain why they were not being truthful with your company and the previous complaint should have been resolved long ago. I made my payment on-time and my credit union have provided documentation that I have faxed over to Discover to prove their error. Now, why are they trying to prevent me from using my credit card? That personal loan account is up to date and all payments were made and are made in a timely manner, including my credit card payments. I am seeking a resolution to their bullying, not just any response. They have integrity issues just a response is not sufficient. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
There is a mortgage that is reporting with PHH Mortgage Services that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian and XXXX refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.

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 2019-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not notify me of a reinsertion of a XXXX XXXX Account that was an account as a result 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 2019-10-18 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO PENTAGON FEDERAL ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM PENTAGON FEDERAL.

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My agent contacted IQ Data on XX/XX/2019 about XXXX XXXX and spoke with a XXXX XXXX. My agent had requested the correct information be sent being that IQ Data sent another persons information from XXXX XXXX which was completely unrelated to my name, or my spouse. They sent another parties information thats very personally from a rental agreement. Please see attached information. 

My agent sent our POA over to speak on my behalf and my agent requested the right information. My agent also requested why I did not get my right to dispute any debt with their office as allowed under FDCPA regulation with 30 days before reporting to all three credit reports. XXXX from IQ Data claimed it was mailed to me. I never received any debt collection notice to my address prior to IQ Data reporting a debt to all three reporting bureaus. XXXX got mad at my acting authorized agent and would not send any information requested by my agent. My agent requested proof of that letter, proof of a phone call between me and IQ data that never happened. 

My acting agent requested to speak with a supervisor and the supervisor was also uncooperative in sending the correct documentation and proof of the debt. 

Later after the conversation took place IQ Data sent a rental agreement with my information but not evidence or proof of the debt belonging to me or how the debt was accumulated or proven to be my debt. I feel there is several issues here. IQ Data is  acting in bad faith by sending the wrong information of another client unrelated to me. Also, I never received my right to dispute a debt in their office prior to being reported to all three credit bureaus under FDCPA regulations. Also, I feel my character is being damaged and a debt is being held over my head that can not be proven it belongs to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: DE

Complaint narrative:
I CALLED LEXISNEXIS YESTERDAY AND ASKED IF MY ACCOUNT WAS FROZEN BUT IT IS NOT AND THEY HAVE REPORTED INSUFFICIENT INFORMATION. SUCH AS INCOME INSUFFICIENT TO MEET CREDIT OBLIGATION AND RISK VIEW SCORE AND TWO SOCIAL SECURITY NUMBERS, TWO DIFFERENT ADDRESSES AND DIFFERENT NAMES ON CREDIT REPORT AND ALSO BANKRUPKCY. WHEN ASKED ABOUT THEIR METHOD OF VERIFICATION WAS IN FACT FALSE.

Company response to consumer: Closed with explanation