vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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:
Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with XXXX & Equifax. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX  employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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:
this is not resolved and has gotten worst Transunion is now reporting over 22 accounts as delinquent with XXXX XXXX and they are all account already paid off and never was included in the bankruptcy. 
I spoke with the creditor XXXX weeks at XXXX XXXX XXXX and they said the only acct that should show as included in bankruptcy and discharged and closed is below, and now since this investigation Transunion has added a total of 22 accts from member first that were previous paid off and closed and current and never included in bankruptcy. 
the creditor XXXX XXXX rep called Transunion and told them this information is wrong and they have not corrected it yet. All the other account need to be deleted and only the below accounts should show ad included in bankruptcy and paid off and discharged XXXX XXXX XXXX XXXX accounts included in bankruptcy only 1. Act # ending in XXXX $ XXXX- dates XX/XX/XXXX thru XX/XX/XXXX- Pay day loan Total for both account # {$5400.00} 2. Act # ending in XXXX $ XXXX dates XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 1of 2 3. Act # ending in XXXX {$4400.00} dates- XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 2 of 2 4. Act # ending in XXXX $ XXXX dated XX/XX/XXXX thru XX/XX/XXXX- Holiday Loan

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America Charge me overdraft back to back on transaction could be ovoid by declining payment by putting my interest first and not bank is greed to charge me {$35.00} overdraft each time. Because I was out of country and didnt have any way to deposit more money has transactions I didnt expect and thought was set to another count came through. And bank charged me {$12.00} and overdraft from the charge. 
Total I have 3 overdraft. I called and from customer services asked to talk a supervisor ( XXXX XXXX XXXX contact center ). XXXX refunded only the {$12.00} and overdraft from it XXXX stated that the bank will not refund any other overdraft. 

The bank didnt have to pay petty transaction such XXXX the charges could be rejected because the count was overdraft already for many days. ( I was out of country and unable to make deposit, {$12.00}, {$24.00}, and charge me each time {$35.00} overdraft. XXXX charges came through the wrong count he wasn't supposed to be bank of america. The charges were from another state which can show I was out of state. Bank refused any understanding or accept any reversal of XXXX charge. XXXX charge could be rejected, or overdraft charged next day after messages sent and courtesy wait time for deposit. Bank of America didnt do any. Bank of America just wants me to pay them {$130.00} overdraft they charged me. 
They said they will reverse only their monthly fee, and overdraft from the monthly fee, shouldnt be charge in first place. I requested XXXX charge/overdraft but they refused. 
I asked to talk to XXXX is supervisor, and got disconnected by accidently. 

When I called back XXXX ID XXXX customer services from Texas center was rude, aggressive. I repeatedly asked to talk with her supervisor she kept coming back in the line telling me that they dont have any supervisor available and I can wait if want. I kept telling her that I am, she kept trying to discuss the situation, telling me that theres nothing can be done and the bank will not reverse the fees. 
She was so rude and aggressive that I end up telling her that I really dont want to talk to her and been waiting for her supervisor, and that if she cant put me through her supervisor to transfer me back to XXXX XXXX. 
I waited for at 20mm before a supervisor finally came. 
XXXX XXXX supervisor, told me that there's none can be done and I have to pay the charges. Bank have right to charge this. 
That is not helping the customer, it to create hardship for the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy's/Bloomingdales Had fraud happen on XX/XX/XXXX to my Macys account. 
After months of seeking resolution, finally Fraud was cleared but left {$6.00} finance charge and a 30 day delinquent notice on my credit report due to the fraud charges They should not have put the 30 day delinquent on my account due to fraud but did. 

Got the finance charge removed and when I went to get the 30 day delinquent notice they said they had sent it to the credit company. Since they told me that last month, this month I asked for a copy of the letter they sent to the credit company to make sure they had actually done it. After 45 minutes of being passed to different people, spoke to a " XXXX '' and when he checked with " his specialist '' he was told the 30 day delinquent had nothing to do with the fraud situtaion. Since my last actual purchase was in 2018, I found that hard to believe. Appartently all the staff that was saying a letter was sent to creditors was a lie. I want that removed from my credit rating

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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
My home is set for property foreclosure XX/XX/2019. I recently faxed to my mortgage servicer request for mortgage assistance. I have attempted to acquire the mortgage company assistance several times for the last year and a half. They have been unwilling to assist me with saving my home. The notice I received from the foreclosure attorney was not received 30 prior to the sale date being set.

Tennessee Las state the property owner is to receive 30 business days notice prior to property foreclosure sale.

See Attachment Please Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved

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 2019-06-20 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: NY

Complaint narrative:
My personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, transunion and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time 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 non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I had a credit card from milestone for {$300.00}, which I wasn't using anymore. I checked my credit report and there was a collection for {$580.00} for the card. I called Trident Asset Management and advised them I was not using the card nor did I authorize anyone to use the card. They Told me to prove it. I offered to pay the Credit Limit, she said " we can not accept {$300.00}. I asked how can they keep a collection on money I never spent. She stated " ill place it in dispute '' and than hung up the phone on me. Now what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
3 months ago I had my card issued by capital one shut off or fraudulent activity by XXXX and XXXX. When I activated the 2nd card it again was XXXX only charged by XXXX and XXXX and accepted by capital one as being valid so I shut it off again now the 3rd card I've never received interest charges have gone up late payments of been Charged to my account when there was no late fee payments made a been returned and then deducted again bank account numbers of changed when they shouldn't have, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/2017 I told Navient that I would be applying for PSLF and wanted to consolidate my loans just thinking it would be easier to track one loan. I was not informed that consolidating my loans would nullify the payments prior to consolidating them while I was in a public service roll. I did not find out until after consolidating my loan and being transferred to XXXX that was the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, XXXX and XXXX XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted equifax, XXXX and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is the third time I have sent a complaint about a Fraudulent accounts. This time I received added a copy of my police report and FTC as well. Please see attached documents.I am the victim I have stated that I have been working to clear up fraud on my credit with an attorney. I have stated that when I pulled my credit report I found more activity that was not mine. I found that accounts I never opened are in collections and a have various judgments on fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
i was in contact with medi credit inc regarding a bill in collections of XXXX dollars in which i requested to see proper debt validation which would include signatures of the gurantor on the contract i never promised nor signed anything therefore legally and by fcra policy i dont owe anything that there is no contract for per section 609 of the fcra i have conversed with this company and have recordings where its said i technically dont owe

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 2019-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F&M Capital LLC
State: DE

Complaint narrative:
I was contacted by my father today, XX/XX/XXXX and told that a " XXXX XXXX '' from the Bad Check Division was attempting to reach me about bad checks I wrote from my checking account. I called this company ( F & M Capital ) and spoke to this XXXX XXXX who told me I wrote 17 bad checks to XXXX XXXX XXXX in late XXXX XXXX and told me that action was being filed against me. I asked for any sort of proof or documentation, and he said that because of the type of loan it is, and because he wasn't the original office where the debt was held, he could not provide me the information. When I asked again, they said they send one Dunning notice and that's it, because " people use certified letters to dodge their debts ''. He emailed me a settlement offer as well. 
I asked him why he disclosed information to my father, which he initially lied, then admitted to. This is not the first company that has contacted me, there was another company from upstate NY that billed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States ( XXXX ) XXXX They threatened legal action, made vague personal threats and said they would come to my job, so I paid them a small payment to get the harassment to stop. That payment was XXXX, but I made no others due to that company providing no documentation. This company today said they had no records from the previous collector, but knew about that amount paid and has an address that is similar. 

I would like this harassment to stop. They contact my brother and parents and tell them personal info, and it is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
2hardinquiry'sforthesameloanfromthesamecompanywithin1month--Experianisimpossibletocontact-noemailcorrespondenceandno(real)phonecustomerservicealsonodisputemechanismontherewebsiteforhardinquiry'sIhave2hardinquiry'sfrom;XXXXXXXXXXXX,aboutthesameloanonmycreditreportbothwithina31dayperiod---only1hardinquirywasauthorizedalsoExperianstatesonitswebsite"thatany2ormoreinquiry'sfromthesamecompanywithin45dayswillautomaticallybecombinedintoone"thisisExperian'scompanypolicyfromtheirwebsitetheydidnotdothisyoucannotcallandspeaktoANYONEnooperatorsatalljustautomationalsotheyhavenoemailorcustomerservicethisisahorriblecompanytheywaytheoperateshouldbeoutlawedifyoudon'tbuytheirupgradedservice,yougetnoservicethisisextortion

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 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
After loan was paid off on XX/XX/XXXX, I call on XX/XX/XXXX to servicer US Bank to inquire on escrow balance and refund due. I was informed the escrow amount of {$1700.00} which is due to me and that it would take 20 days for me to receive. This is an unreasonable amount of time, if late charges usually are assessed for late payments for less time. why should I wait for this amount of time after loan has been PIF? During this time no way for me to earn interest of these funds on my own personal savings account. This puts the consumer in a disadvantage to invest or use their moneys for their benefit.

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