vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: GA

Complaint narrative:
I was unable to access my credit report, each time i would call or request one i would be advised my answer to the security question are incorrect. The Questions being asked were of no connection to me. I advised EQUIFAX on numerous occasions. In XX/XX/2019 i was made aware that a debt collection in the amount of XXXX was on my credit report. i instantly knew it was inaccurate as im a Georgia resident and the bill was From a Power Company in The state of Sc, almost 300 miles from my home.i constantly and persistently called to be told the debt was MINE??? No way, i sent a letter demanding it be removed with a letter of credit and residency from My power company.i called Equifax whom put me on hold and released the line. This Debt is in no way related to me and i would like it removed. After dealing with all that, i get a letter from equifax stating i was in the Breach.This is ALARMING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CA

Complaint narrative:
After reviewing my credit report I noticed there were several unknown inquiries which I do not recognize and did not authorize. These inquiries affected my credit score which may affect my ability to get loans and mortgages. I do not even know what are those companies who inquired and pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is a complaint attached with the details and the calculations I deposited XXXX late on XX/XX/20.2018 by mobile deposit to my BOA Core Checking. 
BofA put a 10 day hold on it. 
This check came from my account at XXXX. 
On day 7 I got the XXXX rec on a call with me and we called BOA and XXXX told BOA the money cleared on the XXXX. 
This exposed all the lies BOA had given, BOA credited the funds immeidiatey, that was the XXXX. 
I had 5 credit card payments going through, BOA had held the funds to do this. 
Both the payee and BOA got to charged 3xXXXXxXXXX fees that hit XXXX for each payment. 
This is illegal. {$500.00} in fees at BOA in just one month.. These increase to {$2400.00} until I close the account. I want these refunded. 
BOA had fiduciary responsibility to tell me about SafeBalance checking and did not, they owe me all the fees for. that reason alone. This is big I have the recording.

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 2019-08-29 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: NJ

Complaint narrative:
On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves.

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 2019-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MN

Complaint narrative:
I have student loans through Great Lakes Educational Loan Services. On XX/XX/2019, I submitted a custom payment ( on top of my monthly due of {$700.00} ) to pay off the balance of a loan ( token 25 ) in the amount of {$1100.00}. This money was misallocated and divided across my other loans. 

On XX/XX/XXXX, I tried to pay off the balance of Loan # 25 again, along with another loan ( token 19 ) in the amounts of {$650.00} ( for # 25 ) and {$280.00} ( for # 19 ). I have proof of these requests in my account, however, the payments were still missallocated and distributed to other loans. This is causing me a lot of stress as I want to pay off my loans and stop adding interest but they aren't allowing me to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I filed a complaint with CFPB in XXXX against American Express, since filing the complaint I only received phone calls from American Express requesting I make payment. None of the Amex callers were aware of my complaint or calling to follow-up with my complaint. To date I have not had contact with American Express regarding my account. Today I check my account to see if it is fixed and it now says my account is closed. I have been with Amex since 2000 and now it says my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC a collection agency for XXXX XXXX XXXX of South Carolina. LVNV FUNDING list on all three credit bureau for me as a charge off for {$1000.00} in XX/XX/2014. And neither company can provide me with proof that this loan is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Online Information Services a collection agency for XXXX XXXX. Online Information Services list on all three credit bureau for me as a charge off for {$170.00} XX/XX/2017. And neither company can provide me with proof that this account is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX in the amount of {$4900.00}. 

In XX/XX/2018, I became a victim of identity theft. An unknown suspect opened multiple lines of credit and made purchases falsely with my personal information. Along with Mattress Firm, other accounts opened included XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/2018, as soon as I became alerted of this fraud, I immediately filed a police report with my local police department. This case is now inactive and a police report is available. The detective of my case, instructed me to complete an FTC Identity Theft Report on IdentityTheft.gov, which I have also completed. 

In XX/XX/2018, I contacted XXXX XXXX XXXX XXXX on the phone. They instructed me to fill out an affidavit that they would send by mail and for me to return it to them in order to confirm fraud. Being a first time victim of identity theft and because of the severity of fraud I had encountered, I did not realize these documents were time sensitive and did not return it in the time I was given. I called and spoke with a representative and asked if there was a way I could request an extension. I did complete the affidavit and faxed over these documents on XX/XX/2018. I also mailed them on XX/XX/2018.

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 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under XXXX XXXX. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from XXXX XXXX, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with XXXX XXXX , XXXX and on XX/XX/XXXX, the company became known as XXXX XXXX. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to XXXX XXXX, resulting in a new account number. That doesn't make it a new loan or change the fact it was discharged, however. 

On XX/XX/XXXX, I submitted an online dispute with TransUnion, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of XXXX XXXX on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if TransUnion was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted TransUnion by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.

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 2019-08-29 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: CL Holdings LLC
State: TX

Complaint narrative:
{$370.00} is what XXXX XXXX says I owe them. But I have never had a actual phone bill, it has always been prepaid phones. I have XXXX currently. Someone opened up a account in my name and I think I might know who did it. I would like to resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CA

Complaint narrative:
Regarding XXXX XXXX XXXX credit cards XXXX and XXXX, today, Experian responded to a dispute that the result changed nothing ... and Experian REFUSED TO REINVESTIGATE.The nature of the dispute was that the closed account XXXX was reporting open when it is closed. 
and the open account XXXX is reporting closed.THE EXPERIAN investigation did not change the incorrect status. 
I don't really care if the creditor or the bureau is at fault, I want accurate reporting and that's all. 
Tonite, because of the misreporting I have closed XXXX. 
I want no further connection to incompetence in financial matters.

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 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Upon using my rights to check my credit reports, I discovered Midland Funding LLC, on my reports saying that I " owe '' them a debt. I have no records of this invalid debt, because I have never done business with this company. I researched the company and MidLand Funding LLC doesn't even have a license to collect in the state of Tennessee. 

On their website, it says they are also known as " Midland Credit Management '' for debt collection. These are two sides of the same coin, but the account in question is tied to the unlicensed Midland Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Unatherized charge to my account on XX/XX/19. I filed a dispute and the transaction in question was unatherized and covered by seller protection so the dispute was won in my faver the case was closed and a refund was soposed to be given under seller protection coverage I won the despute and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Simply providing me with the policy number, policy dates and balanced owed is not adequate validation. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting 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 2019-08-29 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: MARINER FINANCE, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under Mariner Finance. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from Mariner Finance, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with Mariner Finance , LLC and on XX/XX/XXXX, the company became known as Mariner Finance. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to Mariner Finance, resulting in a new account number. That doesn't make it a new loan or change the fact it was XXXX, however. 

On XX/XX/XXXX, I submitted an online dispute with XXXX, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of Mariner Finance on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if XXXX was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted XXXX by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.

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 2019-08-29 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: NV

Complaint narrative:
I submitted a dispute for information on my credit report which doesnt belong to me as well as a police report and a report filed online. The information was not fixed. However, my current wife s name and information for which we share jointly was deleted from my EXPERIAN CREDIT REPORT resulting in a NEGATIVE IMPACT on my credit report. Can you please fix this. My spouse is XXXX XXXX. 
Thanks

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 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC

Complaint narrative:
I am trying to receive a monthly statement about my mortgage. Yesterday, I called twice, and was told both times that an email was sent, but no email has arrived. 
I asked if I must go through the process of calling repeatedly every month, and was told, " Yes ''. I asked for an explanation, and was told it is a rule. This does not comply with the Periodic Statement Rule of the U.S. government. 
Also there is not a way to communicate via email with this company ; this also does not comply with the rule.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
{$300.00} Bonus Offer Breach of Contract Outlined : ( Mailed Offer for New Customers ) Bank of America Customer- ( My name ) New Account Opening Date XX/XX/19 Met All Requirements XX/XX/19 Per offer : {$300.00} Bonus should have been deposited within 60 days of account opening

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 2019-08-29 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: CA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation