vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The company is Midland Credit Management. I paid this debt and have a letter sent from them stating it's paid and I have no further financial obligations for the debt. They are still reporting a collection. They violated the fair credit report act. They change the amount to XXXX and then back to original amount constantly. That violates the act. They removed 2 of the collections off my credit report but they are not removing one of the collections that is paid and part of the settlement letter. This company is fraudulent. I want the collection removed from my credit report because it is paid. XXXX and XXXX I have sent documentation showing proof it's paid but they don't remove it they tell me that they believe the agency over the consumer even with proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
A collection agency, SOUTHWEST CREDIT SYSTEMS, has been changing the month and year of my old XXXX XXXX/XXXX  account delinquency in order to keep the account open on my credit report. In mid XX/XX/XXXX, during a recorded call with a XXXX representative, I was told by the rep that my old account was closed in XX/XX/XXXX. Which lead me to believe that my original date of delinquency may have been in XXXX or XXXX of XXXX. Whether correct or incorrect, what is clear is that XXXX originally reported my date of delinquency some time in the year XXXX. Therefore, after eight years it should have been removed from my account. However, SOUTHWEST CREDIT SYSTEMS apparently bought my debt from XXXX and has continually changed my date of delinquency to keep my account status open. I have never had any business dealings with SW, thus I've never had an account with them. XXXX XXXX-through XX/XX/XXXX, was the maximum window allowable window for SW to appear on my credit report. But, the company has, for more than three years, gotten away with re-aging my old debt/10 year old closed XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I lost my job due to covid and elected to enter into Morgage deferred payments for a year now. Im trying to get help with a loan modification but my loan officer will only offer more differ option. We want to pay and need help but are not getting contacted back or given options. Furthermore I think our loan officer is based in XXXX and has no financial background to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago Transunion is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees Transunion charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXXXXXX XXXX XXXXXXXX XXXX is a scam. None of the " XXXX  '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

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 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
Switched phone providers from XXXX to XXXX due to XXXX 's high costs in XX/XX/XXXX. Utilized XXXX for many years, had no extra device or equipment payments, just basic phone plan. Also, was not in any kind of contract due to using XXXX for over 5 years. Was also paid up to date on all basic phone services ; upon switch I confirmed with XXXX, and my new provider XXXX confirmed this as well prior to making change. 

1 year later on XX/XX/XXXX I received a collections notification from a company called Valor Intelligent Processing stating I owe {$130.00} to there client XXXX XXXX, for a total of {$150.00} including there fee. This was the first and only notice I ever received stating I owe money for this account. The notice provides no description of what the amount is for. Tried calling Valor & XXXX and was provided no details on the alleged debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
USAA signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. USAA credit card is not report none on credit report XXXX, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Since the reasons given for denying my request for a loan were all groundless, it is quite clear that the real reason for the denial was AGE DISCRIMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: NY

Complaint narrative:
They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do. 

Even though they say the check has been sent the money shows in the account and I never receive anything. 

I email regularly agreeing to may what ever fees they want me to, I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TX

Complaint narrative:
I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. Equifax is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* Equifax also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXX 's XXXX XXXX is a scam. None of the " XXXX '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, Experian 's BOOST PROGRAM is a scam. None of the " boosts '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

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 2021-09-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, Please note that the complaint that I am about to enter was due to an alert of fraud suspicion that started with the lender... In the end, the lender declined the fraudulent activity which it made me aware of... I have a Home Depot credit card that is managed by Citibank. I received a text alert on XX/XX/2021, at XXXX EST to advise of a {$400.00} purchase attempt. I returned a call to the credit card company to confirm that I did not make the charge. In the beginning, it seemed like this matter would be open and shut seeing that I had a {$0.00} balance and the purchase did not align with my spending habits or merchandise purchases. After there was no response I followed up and ultimately received notification that the company would be charging the purchase to me. They claim my credit card was used but that is not possible since the card remains in my possession. I filed a police report with the XXXX NJ Police Dept. Detective XXXX XXXX pulled the surveillance videos and was able to confirm the likeness of the person ( s ) and the vehicle that was driven. I was able to confirm that the vehicle was not mine and the likeness was not me. Citibank has held its ground and will not reverse the charges. I vehemently disagree with this decision as my spending habits, the police report, and the video surveillance supports the fact that the purchase was not made by me or anyone in my household. Further the lender should own the responsibility of not having measures in place to prevent fraudulent charges like this or card duplication if that is the case. I am writing to you to appeal to Citibank in hopes of receiving full restitution. Thank you. 

see OCC Case # XXXX that was forwarded to your office

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I RECIVED MY UNEMPLOYMENT FROM WHAT WAS OWE TO ME. WELL SOME DAYS LATER I WAS RUSHED TO THE ER  MY XXXX XXXX XXXX XXXX XXXX DO TO XXXXWELL DURING THAT TIME MY WALET, KEYS AND MY PHONE WAS LEFT IN MY CAR. SOME ONE BROKE INTO MY CAR WHILE I WAS IN THE ER AND MY CARD WAS USED NUMERIOUS TIME SO I REPORTED IT AS FRAUD THE BANK DENYS THE CHARGE. HOW I FILED 2 CLAIMS ON THE SAME DATE SAME PHONE CALL THAT THEY APPROVE. FOR THE SAME UNAUTHORIZE USE. SO BECAUSE I DISPUTED THIS FOR XXXX XXXX AND SOME CHANGE. THEY ASKED ME TO SEND MY ID AND PROOF OF ADDRESS. I DID. THEN THEY ASKED FOR MORE STUFF AND MORE AND THEN CLOSED MY ACCOUNT THEY DIDNT GIVE ME NO TIME TO SWITCH MY BILL PAY OR DIRECT DEPOSIT. 
NOW THERE DEPRYING ME OF MY HARD EARNED FUNDS I SRNT THEM A CABLE BILL MY DL AND MY 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: IN

Complaint narrative:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, Trans Union and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this 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 explanation
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report Equifax, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, XXXX XXXX and Experian credit reports. I have sent faxes to all 3 credit bureau to dispute this 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 explanation
Consumer complaint received 2021-09-12 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: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

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