vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 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:
This is primarily in regards to Both XXXX, Equifax and XXXX with specific focus on XXXX and EQUIFAX : I have unsuccessfuly been able to reach to ANY actionable results with XXXX over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for Equifax. 

My last attempt with XXXX failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through XXXX involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like Equifax, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a XXXX portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My XXXX : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with Equifax At the end of it, this person, who grilled me from the XXXX on behalf of XXXX and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I disputed this with the company as well as asked each credit bureaus to investigate. Nothing has been done about this debt. I have not any knowledge of this debt prior to it being reported. This is not my 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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I begin disputes with Equifax XX/XX/XXXX I received an email that the disputes were complete. 
Impossible to see them online ( their system was down ) I spoke with a representative who could not confirm my identity even though I gave her multiple correct answers. 
I spoke with a supervisor who also could not confirm my identity even though i was reading off my credit card statements the answers she was looking for. 

The only way they will mail me my dispute information was to send them 2 forms of identification through fax or mail which I will not do. 

XXXX & XXXX  were easy to deal with and resolved my disputes correctly within days. Equifax is a complete joke of a company. I can not believe they are trusted with this kind of sensitive information. Why were they not put out of business after the breach? It's clear this is not a well run organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MN

Complaint narrative:
Contacted agency to request validated and sent me a letter of unsigned contract without my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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:
I have 5 late payments on my account from gm financial. However these 5 are incorrect. Ive disputed it with 5 times and won each time but they never changed it like they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Submitted letter asking for validation only received a copy of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I requested a stop payment on a check sent through bill-pay with ally bank. They told me the stop payment was successful and the funds still cleared.

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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Third complaint against TU as they still have not resolved the issue. In XX/XX/2018 a lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXX and the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account. In the response to the last complaint TU said they would take steps to insure this was not reported in error again, but that apparently has not happened.

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 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Ask for validation, never received proper validation.

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 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account without food cause, took all of my rewards points, and mishandled my disputes.

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 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This bill was my ex wife, bill was her insurance in XXXX and insurance from her employer covered this bill I am not in any way responsible ... this is a 3rd party collection company who I did not recognize, who added it to my credit reporting files in XXXX of XXXX ... years after incident over 9 years

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 2019-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX   XXXX XXXX, IA XXXX Complaint Against : BANK OF AMERICA N.A , Servicing Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX Reference Account : XXXX XXXX Account # XXXX XXXXXXXX XXXX MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX NOTICE TO RELEASE ACCOUNT INFORMATION Under Fair Debt Collection Practices Act, you hereby ordered to release the account followings account # XXXX information, under your servicing : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XXXX to XXXX, during your servicing. 

2. Copy of the written authorization by note holder to start foreclosures XXXX and XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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 2019-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/19 BMO Harris allowed my transfer of $ XXXX from XXXX  XXXX XXXX opening an account. 
Shortly thereafter, my account was frozen by BMO Harris ; their fraud department determined more information was  needed to verify my address. This is partially understandable given I was in the process of changing my residency from XXXX to XXXX, but at time of transition most, if not all, of my personal information was under my XXXX   address. In order to free up my account they required among other things, a bill that was associated with the address. I dont have any utilities in my name, thus preventing me from being able to unlock my account. It has now been almost two months since my account was frozen and I have made multiple calls to their fraud department ( that have gone unreturned ) and they have provided no alternative means of resolving this. Ive contemplated legal action, but I am mostly frustrated and just want my money back at this point.

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 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AL

Complaint narrative:
On XX/XX/2019, I signed a 'Borrower 's Authorization emailed to me by a Ms. XXXX XXXX of New American Funding who stated to me that my credit score was high enough to obtain a {$120000.00} mortgage. All was well until Ms. XXXX informed me that she would be handing me over to a Mrs. XXXX XXXX, of the same lender but located in the state where I reside, Alabama. Ms. XXXX informed me that All documentation asked for was uploaded by me and that I would have to inform Mrs. XXXX my realtor 's logistic information and that he/she would have to inform Mrs. XXXX of the home I was interested in and the amount of the home. On XX/XX/2019, Mrs. XXXX and I finally spoke over the phone with me asking if she needed any additional information in order for me to obtain the mortgage, she said she'd received the application from California and Ms. XXXX and she would go over it and get back to me. On XX/XX/2019, Mrs. XXXX sent me an email requesting I have a cosigner for my mortgage, another application for my cosigner to fill out she asked him over the phone, would it be okay to pull his credit, he agreed. When I emailed Mrs. XXXX information about low-income borrowers, ( DTI ) ratios, down payment assistant programs in our State, Mrs. XXXX commenced becoming angry, sent a demeaning email to me about FICO scores, my ( DTI ) ratio is okay but that my cosigner 's middle credit number was too low, and then at the end of her email she said that the company lenders Would Not Be Able To Offer Me A Mortgage. I feel that Mrs. XXXX XXXX XXXX was committing a " racially restrictive covenant on deeds to keep people of XXXX from buying homes ''. I thought the U.S. Supreme Court Banned Housing Discrimination in All States Including Alabama.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
I saw my statement and it said that I had an interest rate until 2024 and I was confused. So I looked at my disclosures to see what that means and it says something about ARM. 
I was not aware that I had an adjustable rate mortgage. When looking closer the difference between the refinance of my original loan is {$20000.00} when my cash out was only {$2900.00}. 

I'm trying to account for where the money has gone and my closing disclosure has empty cost brackets. Half of the page is not printed. 

I also believe I only received one right to cancel disclosure. 

I feel I have been misled and taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: LA

Complaint narrative:
Well I can show proof of inaccuracies and some how credit says Im wrong. Id love to know how much yall are getting paid to scam people!!???!! I mean inaccurate investigations how one could XXXX say Im past due when they ignore me and charge for a product never received!?!? Did yall investigate even I had XXXX protection that covers me in loss of job and injures that both were currently happening?? So Im paying for insurance that what doesnt exist so both credit bureau and XXXX are now by law liable for me to sue!!! How also do I owe for XXXX  XXXX when I show contracts a month to month that I have a bank statement showing I paid? I also had it requested to close hmm because I like way over 200 plus miles away. But credit bureau says no its correct even after submitting proof its not. Sounds like someone is getting paid to report inaccurate info that now has left me no choice to sue plus sue for ever denied credit sorry I tried to be nice and yall XXXX  me as a individual for no reason how did fraud also happen and yall say I owed more than {$50.00} please explain how yall can break the law?? Call me ( 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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Siggi LLC
State: TX

Complaint narrative:
XXXX of the month every month since XX/XX/2019. So I've recieved a overdraft of {$29.00} in XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. I have sent nu.erous letters and called the company numerous times for them to stop trying to debit my account as it is causing over draft fees. They do not have my authorization for automatic withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX  sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Accelerated Financial Solutions, LLC
State: NY

Complaint narrative:
They reported an amount in my record that is incorrect, they said that I own them money when it is not true because it was paid in full, XXXX made an error by living my dispute as something negative, the accelerated financial tried to damage my record on XXXX  and XXXX, but those company found out that it was a fraud against my record, the company accelerated financial said that I own them XXXX dollars and it was updated for the first time in XX/XX/2019 and then XX/XX/2019 and XXXX XXXX is the original name of the acreditor.

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Round Limited Partnership, Austin, TX Branch
State: MO

Complaint narrative:
Now there is another company that opened up an account in my name and it is on my credit report. The company name is Second Roundup LP. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Now there is another company that opened up an account in my name and it is on my credit report. The company name is XXXX XXXX XXXX. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received what I believe to be a fraudulent debt collection letter for a debt I never owed or have not been contacted previously. I believe it is a scam. I did not try to contact the company because i did not wan them to even know I was interested. I have attached a copy of the letter. My address is even wrong on the letter. It is a 5 digit house number not a 4 digit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Have been receiving letters for a debts they acknowledged was time barred. Ive asked via telephone and in writing for them to longer contact me and remove from my credit reports. Last letter dated XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
id theft new inquiry XXXX mortgage 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 non-monetary relief