vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: AL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
By the beginning of XX/XX/2017, I pulled my credit report, immediately I notice suspicious activity on it, there were multiple accounts that did not belong to me, I did my own research and also I filed a Identity theft Police report. 

On XX/XX/2017, I started disputing the incorrect information on my credit report, constantly sending updated documents to the Credit Bureaus. As of today, there is still some wrong information on it. I recently received a collection letter from CAPITAL MANAGEMENT SERVICES , LP trying to settle/collecting on the below account that does not belong to me : XXXX with an alleged account # : ending in XXXX, an alleged balance of {$3100.00}.

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 2020-02-12 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2020, I was notified that American Express decided to close my new account. I do not have many cards, but finally agreed to get a new one based on the offers I received from American Express. I used the card to send myself money via XXXX. This is an activity I do with other cards and it creates no issues. I was told that this violates the Cardmember agreement. This provision is buried in the agreement. I was surprised that I was not notified not to do this again prior to termination. If this is an offense that results in immediate account closing than it should be clearly and conspicuously disclosed to the consumer at the time of account opening. This was not the case in this situation. I think this sort of activity is Unfair and abusive under the CFPB 's operating law. I would like the action to be investigated and it would be helpful if the customer could make its policies regarding electronic payments and banking more obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OH

Complaint narrative:
I received notice from Professional Credit Services from XX/XX/XXXX. They show that they are charging interest on an old cell phone bill with XXXX XXXX. supposedly I only owed {$36.00} on XX/XX/XXXX but Professional Credit Services has  been charging 9 % interest on this account. I never signed a contract regarding interest to be added to my old phone bill. My contract that I signed was with XXXX XXXX. Late fees and other service charges were added to my bill but interest was never discussed. I certainly never signed a contract allowing a collection agency to add interest to my account. In XX/XX/XXXX, I began paying on this old bill. As you can see from Professional Credit Services as well as the printout from my payments through XXXX to Professional Credit Service, I have paid a total of {$200.00}. This is above and beyond the {$36.00} that I owed to XXXX XXXX. I feel that this account has been over paid and they owe me money. I only received notice recently of the interest that they have been charging and how much is going towards the principal. 

I feel that I do not owe this debt. I believe that the collection agency should not be allowed to charge interest without my knowledge. Collection agencies should not charge interest without a written contract with the debtor. Please refund my money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.

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 2020-02-12 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: AL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12 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: AL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12 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: HOVG, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, Bay Area Credit Service was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to XXXX XXXX XXXX XXXX who then reported my account as delinquent in XXXX ( SEVEN YEARS  LATER ). Luckily I kept the original Dispute Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: OH

Complaint narrative:
I went to KeyBank 's branch to request the closure of my checking account, savings and credit card. I was helped directly at the counter by a teller, he said the accounts were permanently closed, but I didn't get any proof that my accounts with KeyBank were in fact closed. I haven't been given any confirmation or letter, and today, after the facts I still have access to the accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TN

Complaint narrative:
I submitted a dispute on XX/XX/XXXX with Equifax a my mortgage company XXXX XXXX XXXX XXXX located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with Equifax on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. Equifax did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from Equifax showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Liberty Mortgage, Inc.
State: FL

Complaint narrative:
In 2016 I was applying for a loan in XXXX XXXX Fl I had a very bad experience with XXXX XXXX XXXX He turned me down in the worst way possible like I was a criminal or something. My credit score was a XXXX and I needed to pay off a few credit cards which took me a month so it could show on my next statement. I would stop by periodically just to check on things. The next time he pulled my credit score it was a XXXX and he wanted me at a XXXX. He looked at me and said dont come back Im done with you. Your not going to get there and Im not working with you anymore. I felt crushed discriminated against. Is that some way to talk to a customer? Or was I look at as a customer? I dont think I was a customer but I felt bad like I had done something terrible it wasnt my fault. I just feel like you cant talk to a person like that especially in a professional place like American Liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I was told in XX/XX/2019 that I was listed in a company called Early Warning Services when I went to open a bank account. I have never done anything wrong with any bank whatsoever and Ive tried several times to contact this company with no reply. This is unfair and unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One lowered the interest yield on my 360 Savings account to virtually nothing and created a completely different Savings accounts product called " Performance Savings '' with a much better interest rate, for no apparent reason. So I was left with an inferior product, after having the 360 Savings account for several years, until I opened a new Performance Savings account, where I had to set up new overdraft protection, etc. This feels either malicious toward existing customers or ignorant of their product suite on Capital One Bank 's part as there was no reason not to either a ) keep a higher interest rate on my old savings account or b ) upgrade my account to the new product, if they were just going to give the higher rate on new " Performance '' accounts anyway. I'm sure thousands of other customers haven't noticed the drop yet as it was not communicated to me in any obvious way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}

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 2020-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
A company, PDM added a collection to my report on XX/XX/XXXX from a bill from XXXX XXXX I am not sure of the original date of service. I want to dispute the reporting to my credit, as this debt has been paid and I was not notified that the account went to collections. I was under the impression that my insurance covered the balance. I never received a phone call or letter from PDM to attempt to be able to resolve the balance with them before they reported to my credit. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been trying to get a refund from my escrow account since XX/XX/19 for reimbursement for my homeowner 's insurance premium paid by me on XX/XX/19. Despite repeated letters with all documentation necessary to process my refund, including but not limited to, the homeowners insurance declarations sheet and paid receipt, all I have received are " non-letters '' from Mr. Cooper stating they have received my request and will respond on some future promised date which passes with no consequence. The CFPB just forwards the same letters I have sent Mr. Cooper previously and I just receive another non-letter with another future date, but no resolution and again no consequence. It has been almost four months since I first contacted my mortgage company who is illegally holding my escrow monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
this company AMCOL has already acknowledged debt to be invalid, removed the reporting only to come back time and time again to report it again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

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 2020-02-12 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: VA

Complaint narrative:
I noticed a few months ago that Transunion stopped reporting my oldest trade line ( an  open credit card account with XXXX XXXX XXXX XXXX in Utah ). I called Transunion on or around XX/XX/XXXX and they said that I would need to have XXXX XXXX call them to get the trade line reporting again. I initiated that request with XXXX XXXX on or around XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX confirming that they were in contact with Transunion and had submitted a block rescission request on XX/XX/XXXX but it was still in process. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX XXXX stating that Transunion refused to reinstate the trade line since it had not been used in 10 years. XXXX XXXX confirmed that the trade line would continue to report on the other credit bureaus and that they would continue to report the card on their end. The trade line is open and has always been paid as agreed. 

I called Transunion to appeal this determination. I first spoke with " XXXX '' on XX/XX/XXXX, who proceeded to hang up on me when I asked for a supervisor. I then called back and spoke with " XXXX '' who elevated my request to an unnamed supervisor. XXXX told me that Transunion does not remove these trade lines and that there was a special creditor department that XXXX XXXX can call to initiate a block rescission request. I confirmed that we had already tried that process, but XXXX stated that he could not do anything further until XXXX XXXX called back again. 

I then asked the XXXX XXXX Legal Credit Specialist, XXXX XXXX, to call Transunion again. At that time, I decided to file this complaint.

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 2020-02-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I have 2 medical Bills from end of 2019. I have had full Medical insurance since XX/XX/2019. I was not made aware of these charges from my insurance carriers. This is covered by my in network insurance. XXXX XXXX XXXX XXXX. If money is owed I pay my insurance. They pay amount based on my insurance. Which makes me believe that the medical professionals didnt submit proper paperwork to my insurance. They need to remove and contact my provider.

Company response to consumer: Closed with explanation