vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.

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 2018-05-18 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: CA

Complaint narrative:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.

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 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America representative changed my debit card number. I called in to have the company issue me a replacement card. I advised the rep several times to not cancel my current card and take it off of XXXX XXXX. I only need a replacement card. Well, the rep didn't listen - as soon as I got off the phone my card was removed from XXXX. I had to go more than four days without a card. I could not access any of my funds. I had to go without a lot items such as food. I was totally put out. The rep told me the debit card would not be changed. My bill pay was cancelled and I had to set it up again. This is unacceptable. If I knew she was going to cancelled my card, I would not have allowed it as I only needed a replacement card with the same card number. I called Bank of America - nothing has been done about this. No one talked to the rep about this or try to correct the issue.

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX  on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is the only agency I have this problem with. 

I am unable to unfreeze my credit online. Repeated error message after entering all required information. I am unable to reach a person at the agency to speak with after following all prompts.

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 2018-05-18 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: GA

Complaint narrative:
I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX. 

I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature. 

XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature. 

I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter. 

I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies. 

It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information. 

Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature. 

I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A lender was trying to see my credit score on Transunion. The score was not showing up for them so I called them a few times. Starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time I had asked why my score wasn't showing up. They kept telling me that there was no reason why it would not show up. On XX/XX/XXXX called again and was told lender had to call them. Was sent a credit report but no score was shown and it said I had to pay for it. I have a credit score but if ran against XXXX and XXXX it will not show up.

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 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has program on its website called Overdraft rewind. If a check cannot be paid in nightly processing due to insufficient funds, but a direct deposit is received the following morning by XXXX, they will pay the item and not charge overdraft fee. I work for XXXX and am paid via direct deposit. I met all the program requirements and was charged overdraft fee anyways. They claim the pay  from XXXX is a transfer rather than a direct deposit. It is so misleading and consumer cannot know the difference. Its an electronic pay deposit from employer. The Wells Fargo representative wouldn't reverse the fee and said they she only knew it isn't direct deposit due to coding. This  program is so misleading. I request to file complaint and have my money refunded.

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 2018-05-18 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: CT

Complaint narrative:
Equifax is incorrectly reporting an account on my credit report for XXXX XXXX. I faxed the letter from the company on XX/XX/XXXX. They claimed they didn't receive it. I faxed it a second time on XX/XX/XXXX. They claim again today to not have received it although both fax reports went through just fine. At this point I'm not sending them any more documentation. They need to remove XXXX for $XXXX because it isn't accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX  bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Chase Ink credit card opened on XX/XX/2017. I have been using the card ever since then for my purchases and earned XXXX ultimate rewards points. I have always paid my bills on time and had no issues with the credit card. Recently, they contacted me about possible fraud on my account. When I called them back about this, they had issues with validating my identity. I emailed them copies of my state ID, XXXX card, utility bill, business information. However, they still claimed they could not validate the identity. They proceeded to cancel the account and now I have lost all my points. They refused to allow me to prove this was a mistake on their part or to reimburse me for the points. I feel they are taking advantage of some small loophole they have to not pay out my points. This is very unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
This is the 2nd time I have had a problem with this company.  I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX.  The one I made on XX/XX/XXXX was to be applied as the XXXX payment.  This State Farm credit card is such a sham.  The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off.  I currently have no card and no access to credit with them.  I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy.  The rep said she couldn't because I had already had one waived.  I explained what happened.  She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer.  Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX VisitXXXX  turned this in to a charity program.this has been taken care of to my knowledgeDocumentation was sent to original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Was contacted by Alliance One on XX/XX/18 and was told I owe XXXX $XXXX. Subsequently I received an email from XXXX confirming a payment of $XXXX. Alliance misrepresented the amount owed and collected on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a notice from these crooks at XXXX XXXX XXXX. They said they "bought" a debt from Citibank {South Dakota} N A for $XXXX, Account number XXXX> First, I don't know what the XXXX they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX  br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact Citibank, call . XXXX XXXX XXXX. fot the XXXX folks, call XXXX XXXX XXXX XXXX.Looking for some 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 2018-05-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with TransUnion, XXXX and XXXX several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy 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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has companies that I lave listed 2 times that I did not apply on hard credit nor can TransUnion prove or has TransUnion provided any documents or credit applications under hard credit to prove I applied for companies I never herd of or applied by my signature. Futher more transunion does not address the issues of Credit companies that ran my credit without my permission nor can TransUnion provide any substance to back that companies ran my credit illegally with out my permission. I have provided Transunion 2 times with no clear answer to prove on there part I sign or applied for the companies I have listed 2 times. Its nothing but fraud on TransUnion part with no proof. As to soft inquires I have opt out of all promotional inquiries as to TransUnion keeps selling information and violating my rights after sending letters U S Certified to transunion back in XX/XX/2016 tostop selling or market  me for profit after I opt-out time aftewr time which is my right.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.

Company response to consumer: Closed with explanation