vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield & Associates Had claim a debt no mine, had Reported to the credit bureau a debt account does not belong me. 
Please seePDF letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Pressler and Pressler again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new Citibank Basic Banking checking account because there was a {$200.00} promotion detailed at https : XXXX. I initially deposited {$2000.00} into the account. One of the terms of the promotion was : Within 30 days of opening your account deposit {$5000.00} New-to-Citibank funds into the new checking account. 

I wanted to deposit more money into the account, but I did not receive my debit card, and there was no way for me to add funds into the account without the debit card. There was also no way for me to create an online account without the debit card. I called in repeatedly about the fact that I never received the debit card, and was told to wait. I kept waiting, and I never received a debit card until XX/XX/XXXX. I called in and complained and Citi said a dispute would be filed. Apparently, no action was taken as a result of the dispute.

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 2019-03-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2019 Store Purchase XXXX XXXX XXXX  XXXX XXXX ADDRESS NOT AVAILABLE, XXXX XXXX SHOPPING Edit {$200.00} Transaction ID : XXXX - ( {$200.00} ) XXXX Store Purchase XXXX, XXXX, NC ON HOLD - {$3.00} I did not make these purchases but American Express / XXXX will not provide a provisional credit for these amounts until issues are resolved. I'm legally XXXX and can't purchase life saving medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
We have had our Mortgage through Citibank for about 13 years. We received notice from them, dated XX/XX/2019, on XX/XX/2019, informing us that our mortgage was being transferred to another company on XX/XX/2019. 
I know that selling off mortgages is a common practice, and although I'm not happy about them doing so, that is not my complaint. 
My complaint is, 1 : that we had very little notice, less than 2 weeks, about the change. And 2 : the company that it is being sold to appears to have a horrible reputation regarding its servicing of mortgage loans. 
Online, it appears that Citi has an average rating of about 3.5 stars, and the company they are selling my mortgage to has an average rating of 1.5 stars. Reading the reviews of the new company, it looks like the reviews are overrated, as many people state that they would give the company " zero '' stars, if that were an option, but, it wasn't, so they gave 1 star. 
But truly, my complaint is about the short notice of this transfer. When we originated the loan, we were led to believe Citi was capable of servicing, and planned to fully service the loan for it's lifetime, and that the loan transferring elsewhere, was not to be expected.

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 2019-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Merchant is determined to be a fraud, a chargeback was filed against the merchant.. merchant refuses the chargeback used the first correspondence with them painting this a case of buyer remorse which it is not. Its a clear case of bait and wait scamming. With a mountain of data to prove my case Also Collusion with XXXX in terms of charge back prevention. 

The Bank however will not accept any documents proving my case.. I am getting a different bank and would leave them hanging with the {$99.00} if it weren't for event tickets I have connected with my account .... I can not upload data, can not get this addressed.

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 2019-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hey To Whom It May Concern, Experian keeps telling me I can apply for credit that everything is fixed that my XXXX XXXX  came off. However when I apply for credit cards they tell me Experian is reporting inaccurate Information which is resulting to hard pulls on my account. I have called experian each week and they told me everything is fine. So I am unsure the problem. I have spoke to the credit card companies and they all say Experian is the problem. My XXXX  score is good and my XXXX is good, It's just Experian Is the problem. The problem I am having is I am not getting accepted for credit due to Experian sending poor/inaccurate 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 non-monetary relief
Consumer complaint received 2019-03-28 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: TX

Complaint narrative:
Transunion is reporting an incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-03-28 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The Insurance did not pay the correct amount for the ER services even after the new law went into effect for using an IN NETWORK hospital, the attending Physician wasn't IN NETWORK. They were supposed to pay this bill, I had several contacts with the Insurance company and they said they would pay the bill. In the meantime CMRE collections reported this on my Credit Report. It has been ongoing for over two years and CMRE should have removed this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I alerted USAA of 2 fraudulent charges on my debit card of {$710.00} each ( a total of {$1400.00} ). The rep I spoke with that day assured me repeatedly on a recorded line that USAA would give me a provisional credit in that amount by XX/XX/XXXX. That didnt happen, and I was later told by other reps that that isnt their policy. But the expectation was set. First giant problem. On XX/XX/XXXX I called because a ) I hadnt received the provisional credit, and b ) as a result of the huge fraudulent pending transaction on my account, several payments that had been initiated before the fraudulent activity occurred bounced which resulted in USAA charging me {$140.00} in fees that several reps assured me would be returned to me when the fraud investigation was completed. Regardless, USAA is obligated to return those fees as part of their zero liability fraud policy for debit cards. On XX/XX/XXXX, I finally received an email that the investigation was complete ( because the pending fraudulent charges eventually fell off my account ), so I called for the umpteenth time to find out when I was getting my {$140.00} back. Several more hours were wasted, and I couldnt get a straight answer from anyone in any department. Finally I was told on XX/XX/XXXX that the request was escalated and someone would call me by XX/XX/XXXX ( TODAY ) and that the {$140.00} would be returned on this date as well. It is now XX/XX/XXXX, and I have heard from NO ONE and dont have my {$140.00} back that USAA wrongfully charged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX and XXXX again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The date of last activity for a Chase Auto account is incorrect on my credit report. It was erroneously reported as XX/XX/XXXX when in fact it was XX/XX/XXXX when it was closed. We had an automobile accident and while waiting for insurance to pay they did report late payments, which we are not disputing ; however, since the date of last activity was somehow updated incorrectly, it's having a negative impact on my credit score and ultimately preventing me from purchasing a home at this time. 

When I called to try to correct the problem all I got was a run around. No one seemed willing or able to take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I spent a long time and effort to build my creditworthiness and was actually looking forward to securing a mortgage in the next few months. To that end, I enrolled as an Experian member and monitored my credit regularly. I was able to get my FICO score to XXXX with a view to reaching XXXX ( good ) within a month or two. By XX/XX/2019, I did my best to maintain this upward climb. On XX/XX/2019, I was notified that there was a flag relating to my XXXX XXXX account of {$180.00} which I promptly paid off and closed since I never really needed and used it. My score remained XXXX. Then, on XX/XX/2019, decided to try the new EXPERIAN BOOST because I constantly received email about its benefit. I duly entered my bank account information as requested and that was when my woes began. My FICO scores immediately and dramatically fell from XXXX to XXXX. Then, interestingly, my scores were " boosted '' by 12 points to XXXX. Why would I prefer and settle for a " boosted '' XXXX instead of my original XXXX. Since then, I have called and spoken to EXPERIAN at least 4 times for an explanation for the drastic drop in my score without any prior notification in changes to my scores but, till date, no one has been able to tell me. In fact, one supervisor actually told me that the truth of the matter was that no one knew definitively why my scores dropped. One agent advised me to delete the information I had entered with the boost and I did but all that occurred was that the 12 point " boost '' and my score now fell from XXXX back to XXXX. Currently, my score has even decreased to XXXX ( Poor ) and still with no explanation. The Experian agents even seemed exasperated because I was insisting on having an answer to my question. The last agent I spoke to on XX/XX/2019, told me to seek the assistance of a credit adviser and, further, that they would not put in a dispute on my behalf because it had to do with FICO scores. He tried to show some sympathy by saying " I understand how you feel '' as if that sentiment was supposed to change anything. I feel that something went wrong somewhere with the " boosting '' but no one is able to explain or accept any responsibility. As for me, I feel very hurt that all my efforts to fix my credit have had a reverse effect. I don't know what to do anymore or where to go from here.

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 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
Hello- On XX/XX/2018 a collection item was added to my credit report this is what it looks like : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MA XXXX thats it, no phone number and no company name. How am I supposed to clear this up if I do not know who it is from? 
Please advise the best action to take. 
Thank you- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I went to XXXX, entered my information, and selected to receive a report from Experian. The response was that they could not verify my identity and was routed to an Experian site where I could upload documents to prove my identity. 3 times I entered my information and attempted to upload a copy of my passport and bank statement and each time it was rejected. I've had no issue receiving a report from the other 2 credit agencies. It shouldn't be this difficult.

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 2019-03-28 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from Wells Fargo was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. Wells Fargo indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes 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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: WA

Complaint narrative:
I have written this company because i never received a dunning letter. I sent out on XX/XX/18and one on XX/XX/XXXX. They have not written me back on my account that is hurting my credit score. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please see attached letter.

I want to make it clear that I contacted the Security Dept as soon as I was aware of the fraudulent charges, and have attempted to resolve this numerous times. I have spent a lot of time trying to resolve, and have encountered much frustrating disfunctionality with the phone system and the Security Dept in general. It has now been four-and-a half months with no resolution.

This is not a lost or stolen card situation, rather a skimmer type thing.

Citi is not disputing the fraudulent charges. This is a billing issue. Because I have only been paying my actual purchases every month, a considerable amount of interest had been adding up.

I had to choose an area in step 2, but not quite correct : it's a billing error about fraudulent charges.

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