vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-10-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had two XXXX XXXX XXXX credit card accounts both with first date of delinquency being XX/XX/XXXX. XXXX XXXX XXXX asserts the first date of delinquency as XX/XX/XXXX. XXXX XXXX XXXX has agreed to remove this aged account from XXXX and XXXX. However, the refuse to correct the date with Experian. XXXX XXXX XXXX is attempting to reage the credit to extend to credit reporting period.

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 2019-10-23 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: OH

Complaint narrative:
I am doing some follows ups and I have lost several 139 points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my Credit Fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2018 I received a settlement offer on my student loans. I paid the offer and the company refuses to honor the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I AM SO ANGRY WITH THE CAPITAL ONE COMPANY FOR THEIR CUSTOMER SERVICE, AND THE TREATMENT THEY HAVE GIVEN ME AS AN IDENTITY THEFT VICTIM. THEY REFUSE TO ACCEPT MY FTC REPORT AND POLICE REPORT. I HAVE CONTACTED THEM NUMEROUS TIMES, WASTING SO MUCH OF MY WORK TIME, GIVING ME STRESS AND ANXIETY WITH THEIR EMPLOYEES, WHO PROMISE ONE THING AND DO ANOTHER. I HAVE EXPLAINED MANY TIMES, I AM NOT RESPONSIBLE FOR THIS ACCOUNT, THEY HAVE NO VALID EVIDENCE THAT THIS IS MY CREDIT CARD AND I AM THE ONE WHO USED IT. THERE IS ALSO A XXXX CHARGE THAT WAS APPLIED AND I DO NOT HAVE ANY XXXX TO MAKE ANY KIND OF PURCHASE. THEY REFUSE TO REMOVE THIS ACCOUNT FROM COLLECTIONS AND THE LAWYERS OFFICE. THIS IS MY LAST CHANCE IM GIVING TO THEM TO REMOVE THIS ACCOUNT IMMEDIATELY. I AM NOT WAITING ANY LONGER FOR THIS, AND I AM GOING TO FILE A LAWSUIT AGAINST THEM IF THEY DO NOT RESOLVE THIS CASE, FOR GIVING ME SO MUCH STRESS AND ANXIETY OVER THIS. THEY REFUSE TO GIVE ME ANY SUPPORTING EVIDENCE ON WHY THEY ARE MAKING THE CLAIM THAT THIS IS MY ACCOUNT. THIS IS BY FAR THE WORST COMPANY I HAVE EVER SEEN, THE WORST CUSTOMER SERVICE I HAVE EVER HAD EXPERIENCE WITH. I DO NOT DESERVE TO BE TREATED THIS WAY AS A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
ordered a Jersey from XXXX shop online. I used Paypal to complete and pay for the transaction. I picked a credit card for paypal to use. noticed the amount changed on XXXX shop so I left paypal to check the order. found order just updated with shipping and taxes added. went back to paypal to finish transaction and closed all browsers upon completion. went to bank to get some cash the next day and noticed my account was XXXX. looked at history and found Paypal used bank funds to pay for XXXX shop order. contacted Paypal and told them their software wasn't working correctly as I picked credit card to make the payment. they kept repeating it was user driven and they had nothing to do with the choices. no matter how many times I explained it they kept saying user driven, user driven, etc etc. They would take no responsibility for their bad software. Now I have over draft fees to pay due to Paypals inadept system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I received a debt letter from Credit Collection Services. I called them to inquire about the debt. They stated I owed XXXX XXXX. I immediately called XXXX XXXX times and they ran my name and SSN and stated that I had no debt with them period. I had auto insurance with them and switched my Auto insurance to XXXX. They sent me a refund in the mail for the over premium that I paid to them before switching to XXXX. 

I called CCS back and told them that I DID NOT OWE XXXX any money and I offered to call them on three way so the AGENT at XXXX could tell them that. They refused and stated they did not have time to do that. 

I sent CCS a certified letter stating that I did not owe a debt to XXXX or to their company and to cease contacting me for this debt. They responding by sending me a debt letter from XXXX. Why would XXXX send them a debt letter and not me the allegedly DEBTOR? Makes no sense. 

If I owed XXXX any money and XXXX did not send me a demand for payment or can not tell me that I owe them anything then that is XXXX XXXX decision. I have never done business with CCS who is a bottom feeder debt collector. I do not wish to do any business with CCS PERIOD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have emailed and faxed the authorization to XXXX XXXX XXXX  multiple times over the past month and XXXX XXXX XXXX  claims they have never received it even though we have talked to multiple people, and been given multiple and different fax numbers and email addresses.

*****There is a FORECLOSURE AUCTION IN TWO DAYS AND XXXX XXXX XXXX IS REFUSING TO SPEAK TO US AS AN AUTHORIZED THIRD PARTY********* Today, we spoke to a manager who supposedly gave us her personal fax and assured us she would call uW back the moment she received it. Guess what??? -- -- NO CALL BACK FROM MANAGEMENT EITHER. XXXX XXXX XXXX has been playing this Authorization Game with us for over a month. Seems the only way they will acknowledge receipt of our authorization is to file a CFPB complaint, so here it is.

I expect XXXX XXXX XXXX to be fined appropriately for this purposeful deception and fraud. If the CFPB or any other government entity would like a full and complete list of the multitude of issues we have with XXXX XXXX XXXX on EVERY SHORT SALE FILE WE HAVE EVER HAD WITH THEM, they need only to ask.

I expect this authorization to be attached to the file IMMEDITAELY AND WITH NO FURTHER DELAYS OR EXCUSES!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I'd like to file a complaint against Citibank for closing down my Savings account XXXX on XX/XX/2019 based upon an overdrawn status. The negative balance of {$59.00} were all service fees billed by the bank during the past two months due to XXXX balance in the account. 

When I opened the account with Citibank Online on XX/XX/2019, I did NOT believe the account was fully opened and therefore no initial deposit was made to the account. Because I had neither full access to online banking nor any mail correspondences from the bank I could not see the status of the account. However on the statement dated XX/XX/2019, I did notice two fees were billed to my account : {$25.00} Monthly Service Fee, and {$34.00} Overdraft Fee. This resulted in a negative balance of {$59.00} which had turned my account into overdrawn status. On XX/XX/2019, a letter arrived stating that my account was closed because of the negative balance and I am still responsible for paying the overdrawn amount or Citibank may take adverse action.

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 2019-10-23 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: FL

Complaint narrative:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
I was dealing with an dispute made on XX/XX/2019 regarding transactions made while I was at work and one particular transaction was at an ATM machine where there are cameras. I spoke with an account specialist who open up the investigation in the amount of {$240.00} and change. Well yesterday I was suppose had a call back from her supervisor which she closed my dispute after I reported the company to the better business bureau three times.

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 2019-10-23 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: FL

Complaint narrative:
An account that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: OH

Complaint narrative:
I am doing some follows ups and I have lost several XXXX points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: OH

Complaint narrative:
I am doing some follows ups and I have lost several 139 points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my Credit Fico.

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 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I was under Chapter XXXX bankruptcy until earlier this year I had to pay a lump sum to ensure my mortgage was caught up going forward which left me with a surplus on my mortgage account during the months of XXXX and XXXX my mortgage was transferred to a different mortgage company and no one would take my payments due to having had been in chapter XXXX. I tried thru several methods to clear this up but I could not see a statement or speak with anyone at phh mortgage company, I submitted thru money transfer made two payments to phh in XXXX one was for XXXX one was for XXXX and I made the XXXX payment at the end of XXXX the company never applied suspension money to my account that were due on the account and reported that I have a late XXXX payment. Due to the way that they applied the funds that was clearly in my account was not acceptable and they held my money without informing me that it was not applied to my account again I had no statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: KEYCORP
State: NY

Complaint narrative:
We have made two complaint with CFPB re : KeyBank HELOC. Please refer to past CFPB complaint # XXXX & # XXXX. Our HELOC was sent to foreclosure after KeyBank lost our check several times. We thought the issue was resolved, but apparently it is not! We have recently applied to refinance our home through XXXX XXXX, but have been stopped from proceeding due to this " foreclosure '' that is a appearing on our credit. There should be NO foreclosure on our credit. Again, KeyBank lost our check & during that time of the " misplaced check '' KeyBank sent our HELOC to foreclosure. We were told that all delinquent/derogatory reports to credit reporting agencies would be removed, but this is not the case. I need KeyBank to remove the foreclosure status from our credit report so we can move forward with our refinance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: CT

Complaint narrative:
After missing a connecting flight from XXXX, XXXX XXXX to go to XXXX, XXXX through XXXX XXXX XXXX. I had purchased two more tickets on XX/XX/2019 to leave on in the next day, XX/XX/2019 with my American Express Gold card at the XXXX XXXX XXXX counter. 

Both tickets were XXXX XXXX for each ticket, which was {$490.00} USD for each ticket. Which gave a total of {$980.00} USD. 

A month ( XXXX ) later I see an additional charge from XXXX XXXX XXXX for {$510.00} with the recorded date of XX/XX/2019 that totaled {$1000.00}. 

I was back in the US on XX/XX/2019 and my friend was in his home country, also on that date. 

Actions I took : -Notified XXXX XXXX XXXX via phone multiple times no response. 

-Informed American Express and they denied my dispute twice XXXX XXXX XXXX provided information on the original round trip tickets and the newly purchased one way tickets in responding to the American Express dispute XXXX But no info on the additional charges of {$1000.00}. I dont know the ticket number, who the tickets were assigned to, nor the destination. 

XXXX Called American Express and tried explaining to them again. No results. 

-Took then to small claims court in XXXX XXXX , NY on XX/XX/2019 and they didnt show up to court -New court date is XX/XX/2019

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I Bank.

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 2019-10-23 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: VA

Complaint narrative:
I have been filing a dispute for an investigation with Equifax since XXXX. They have been stalling since XXXX by providing a letter stating that no identification has been provided it has been provided each time the following : Most recent utility bill, drivers license, social security card. Then I contacted Equifax when they sent a letter the second time in XXXX stating I didnt provided identification with my disputes so I sent a third in XXXX they sent a letter in 45 days stating again my dispute had no identification provided. I Made copies of what exactly I sent them, its unfair that they have been stalling with my dispute for now for four months. I know my rights as a consumer and they are stalling. Please look into this at your earliest convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder XXXX XXXX XXXX. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by Wellsfargo to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is wellsfargo bank that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
Repeatedly calling, will not identify themselves or leave a message. Never been informed of debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I have a mortgage with PHH Mortgage, I am writing this letter because I recently requested mortgage assistance with my mortgage company PHH Mortgage. Upon my request for mortgage assistance much to my surprise I was charged a fee of {$100.00}. I requested the assistance because PHH Mortgage previously sent me documentation that no fees will be charged when requesting for mortgage assistance ( included ). I have reached out to PHH Mortgage regarding the fees charged and PHH has rejected my request to refund my account. I would greatly appreciate it if my District Attorney will please look into this for me. 
Thank you in Advance XXXX XXXX, PHH Mortgage Account # XXXX Property Address : XXXX XXXX XXXX, XXXX AR XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA is in violation of several consumer protection laws ...

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