vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
I have been trying for over a year to dispute two accounts from Experian. One is from XXXX XXXX XXXX I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX  reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from 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 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
There is a collection reporting on my credit file with hunter Warfield for an apartment complex. I do not owe the money they are indicating. I was on a month to month rental paying an additional {$200.00} a month for going month to month and I gave written notice when I moved. This apartment complex has changed hands several times so that may be where the mix up occurred but regardless I don't owe anything to either 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 2019-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
After submitting my first complaint yesterday XXXX, complaint XXXX, this company Way2Go prepaid debit card changed the fraudulent/unauthorized charges to a different amount. There are 5 consecutive fraudulent/unauthorized charges in the amount of XXXX from a company in XXXX totaling {$160.00}. They would not stop this fraud from happening as I requested when these charges were in pending status. Do a quick search on this company and the parent companies Conduent and XXXX and you will find class action lawsuits in multiple states for this exact issue. I would also like the XXXX dollars back that I was forced to pay to get a new card. I can not access my money until the new card arrives. Its their security breach that caused this not mine. They also need to pay me {$100.00} a day for every single day since they allowed these charges starting on XXXX. 

I did not use this card online, it is in my possession so the only way these fraudulent charges could have happened is either by this company making up charges and stealing the money or allowing their system to be easily hacked. 

Their dispute process does not allow for disputing an unauthorized charge unless a PIN number was used. Their dispute forms do not include disputing unauthorized charges unless your card was stolen. This is why they are getting away with robbing the state and federal governments and in turn robbing citizens. They do this with unemployment, child support, social security, VA benefits and any other state or federal distribution of funds to a citizen. Again, a simple quick XXXX search finds thousands of complaints exactly like mine and class action lawsuits. Along with documented proof that they do little to nothing to keep their system secure. Why no one has connected the dots is astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: GA

Complaint narrative:
There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, Transunion and XXXX  is reporting that I was 30 days late with XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXXl is inaccurate showing that I was 30 days late with the following credit agencies : Transunion - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : Transunion and XXXX  - XX/XX/XXXX XXXX - XX/XX/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 2019-11-14 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: GA

Complaint narrative:
There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, XXXX  and Experian is reporting that I was 30 days late with XXXX XXXX XXXX  in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX Experian - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  and Experian - XX/XX/XXXX XXXX  - XX/XX/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 2019-11-14 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: PA

Complaint narrative:
I have been trying for over a year to dispute two accounts from XXXX. One is from XXXX XXXX XXXX  I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Monday XX/XX/2019 my XXXX account was hacked into and the person charged my debit card {$2200.00} which caused my account to be negative. I immediately called the fraud dept of chase bank.I then called XXXX  to cancel the order, received an email confirmation that the order was canceled. chase bank said they will cancel my card and open a claim, and within 12 hrs a temp credit will be issued while they investigate the charges. Tues XX/XX/XXXX, i checked the bank, no credit was issued, i call the fraud dept back, they then tell me, there is nothing they can do because the charges are " pending '' on the account, they can only issue a credit if the charges have " posted ''. I then called XXXX, spoke to a manager, she stated there is nothing they can do about the pending charges, it is on my bank. XXXX did offer to write a letter to chase to explain the order was canceled ... Chase bank refused the letter ... so now this is day 3, my account is still negative, i have no debit card, i cant buy my children food nor diapers ... I am being held accountable for something that is out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: NV

Complaint narrative:
I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor.

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 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
Rep did not verify my information or give disclosures. Rep insisted a letter was mailed to me and I did not get it. I attempted to put the balance on a payment plan however rep was taking my full credit card info along with the security code on a recorded line. When I advised her she can not ask for my info on a recorded line, rep became unprofessional and said to do whatever I wanted to and hung up on me. I have tried several times to get the dentist office to take the funds from my account and they have not taken it, now my account is in collections and on my credit.

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 2019-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I experienced fraud on my Capital One Venture card. I believe it happened when I requested a new card, but I'm not sure. I suspect somebody either intercepted the card or created a ghost card of some sort. 

I notified Capital One immediately of the problem. The opened an investigation, then concluded that the charges were legitimate. The basis for that conclusion was that the chip on the card was present. They could not produce a signature capture. They also would not assist in helping me get camera footage from the vendor. They reimbursed me for the smaller charges, but the charges over {$100.00} were beyond the limit of the person I was talking to. When I requested to speak to somebody with higher authority, I was denied. I am currently out over {$400.00}. 

I spoke with XXXX @ Capital one. Case # XXXX Charges on XX/XX/XXXX : XXXX XXXX = {$200.00} XXXX XXXX XXXX XXXX = {$46.00} XXXX XXXX = {$31.00} XXXX XXXX XXXX XXXX = {$220.00} Please help. I am working to reach out to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to see if they can help me, but it has been very challenging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I have a mortgage with Ditech. In XXXX of 2019, I was approved for a modification and placed on a 90 day trial which I completed. Once completed Ditech informed me that they would send out a notary to complete modification process. That did not take place. Ditech has now sent a letter to me resending modification because I have a line of credit with XXXX XXXX XXXX XXXX. One loan  has nothing to do with the other. Now Ditech is asking for a lumpsum payment to prevent foreclosure. Having an FHA loan qualifies me for several modification options including partial claims where a one time claim is filed for the insurance fund to pay delinquent amounts to bring my mortgage current. If approved I am responsible to pay amount back to FHA if I sell or refinance house. Ditech is refusing any assistance to force me into foreclosure. They are asking for the lumpsum of {$10000.00} by XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America charged me {$35.00} for overdraft fees on XX/XX/XXXX even though my overdraft protection is XXXX and I never authorized them to pay a charge if I don't have enough balance in my account. I called them on XX/XX/XXXX and they basically said they can not help me. I believe these {$35.00} overdraft fees should be illegal. 

I want Bank of America to give my {$35.00} back. 

Thank you.

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 2019-11-14 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: GA

Complaint narrative:
I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, XXXX  & Trans Union. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this 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 2019-11-14 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: GA

Complaint narrative:
I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, Experian & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this 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 non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
I went to court to make a payment plan on my back XXXX XXXX that I owed. I have been paying them since the beginning of 2019 and I am ordered to pay {$55.00} until its all paid. The money comes directly out of my social security XXXX check each month. I want this cleared up and taken off my credit report since I am fulfilling the agreement. Thank you 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 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: CT

Complaint narrative:
The ability debt collection continues to try and collect a fraudulent debt. I had services at the hospital.that were paid in full. The hospital said that any amounts outside of what they charged is fraud and that they can't legally charge anything outside of the hospital 's fees. If you continue to try to bill me for an amount that was paid to the hospital for that date of service with a XXXX balance I will file a fraud claim with the Connecticut Attorney Generals office. I didn't sign anything to pay and XXXX XXXX XXXX a different amount than the contacted amount allowed by the state. XXXX XXXX XXXX is a subsection of XXXX and also states the balance is XXXX. I never had any private provider services. If you have proof that I requested different services from this provider please mail them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: MD

Complaint narrative:
I have spoken with State Farm Bank four times in the past 11 months about the same issue. They are not sending my mortgage bill to me for payment. Everytime I speak with someone they say they are going to fix the problem but it doesn't get done. I have happened to remember to pay the mortgage a few times without receiving a bill from them. Then, around the middle of the month, I'll receive a late notification in the mail. I am totally frustrated with this and I'm tired of having to waste time calling them time and time again to request the bill be mailed to me so I can pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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:
I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit 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 2019-11-14 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: GA

Complaint narrative:
On XX/XX/2019 A fraudulent Bankruptcy that I have no knowledge of was reported on my Experian Report. I have filed a police report in regards to this and the bureau is reporting the info as accurate.

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