vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: WA

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of   the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit 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 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
This is the 2nd time I have had to file a complaint through cfpd against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. Since XXXX we have been in the middle of MANDATED MEDICAL MALPRACTICE MEDIATION. During which time XXXX submitted thousands of dollars of so called medical debt after I filed a complaint for medical malpractice with XXXX XXXX. I PAID THAT DEBT. Please refer to XXXX case # XXXX, XXXX XXXX, 2019 for prior co, plaint and evidence of XXXX XXXX XXXX XXXX SUBMITTING PAID MEDICAL DEBT TO MULTIPLE COLLECTIONS AGENCIES IN AN ATTEMPT TO INTIMIDATE ME FROM PURSUING MALPRACTICE CHARGES. 
Again, this is ALL paid debt. 
This is MULTIPLE attempts of : -FRAUD -HARRASSMENT -INTIMIDATION -RETALIATION -VIOLATION OF RIGHTS -VIOLATIONS OF ETHICS THIS COMPLAINT IS AGIANST THE FOLLOWING HOSPITAL, THE COLLECTION COMPANIES, and THE HOSPITALS LAWYERS THAT KNEW OF THIS AND ALLOWED IT TO CONTINUE TO HAPPEN. THAT CONTINUE TO ENGAGE IN CRIMINAL BEHAVIORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX, XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX or ( XXXX ) XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX or ( XXXX ) XXXX ALL the above named companies have been engaged in criminal activity against my person, physically, financially, and emotionally. 

This type of business is ethically and lawfully violating. I hereby request a FULL SCALE INVESTIGATION of the practices of the above named companies IMMEDIATELY. 
I will be also be filing complaints with the safety dept, state bar, ag, and governor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: FL

Complaint narrative:
I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to XXXX, Transunion and XXXX that a bankruptcy did not take place. I requested a verification of debt from XXXX, Transunion and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.

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 2019-07-16 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: FL

Complaint narrative:
I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to Experian, XXXX and XXXX   that a bankruptcy did not take place. I requested a verification of debt from Experian, XXXX and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.

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 2019-07-16 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service  keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: PA

Complaint narrative:
XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX tried to pull a credit report from equifax and there was no respnse from equifax.there seems to be some kind of issue that is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
According To company Capital one Account was open in XX/XX/XXXX And action was taken in XX/XX/XXXX for amount of {$4600.00}. 
According to the case no application, no agreement, no any electronic mail, nothing except billing statement for purchases, and in the middle of it 6 electronic payments no information for this payments, i try to explain many times this account is not my accounts and i have police report and credit report that show i m victim of Identity theft and Capital one acknowledge this in my credit report, other banks investigate sameler case and admit it was identity theft ( XXXX XXXX, XXXX XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2019 I tried using my card on my trip to XXXX. The account was suspended and when I called Fraud protection, who stated that there were suspicious charges and that the account is suspended and needs to be reviewed. They did not give me any answers as to why it was suspended and informed me there was no one else I could talk to. I could not confirm the charges with them and was given no other options. Ive been stuck in a foreign country with no access to my only means of money and the company wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I was the victim of identity theft on XX/XX/2019. The thief stole {$15000.00} out of my checking account through a series of charges that were labeled " XXXX XXXX ''. I have reached out to my bank, Bank of America, and told them what happened but they refuse to reimburse me the stolen money. I have been very patient with them and with the claims service, but to no avail. They seem to think these were legit charges that I made myself, and not theft. I have explained to them many times what happened and even faxed in a written statement, making my case, but they won't listen. Any help you can offer in getting Bank of America to reimburse me the stolen money would be greatly appreciated, 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 monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have received inaccurate reports on my credit score. I have tried in multiple occasions to verify this from the company but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
again carrington assigns a rep mr XXXX XXXX who is not equiped to respond to borrower proposal of deed in lieu.or other concerns why assign a rep thay cant help/carrington not responding to written proposals why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In late XXXX, I mailed a letter to Equifax, requesting that they investigate errors on my credit report. They were supposed to respond with the results within 30 days via postal mail, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: ID

Complaint narrative:
CMG Financial has been an extremely difficult to deal with since the inception of my loan. I wish I had never bought a house using this incompetent company as it has been the worst experience ever ; and has made me literally hate my house. Moreover, XXXX has repeatedly proven they do NOT know how to manage an escrow account correctly. 

Most recently, XXXX was provided with my forced placed flood insurance renewal documents and failed to pay the renewal causing my policy to be cancelled for non-payment. As the policy was cancelled for non-payment, the premium increased from {$660.00} to over $ XXXX year. I confirmed my insurance company mailed the documents directly to XXXX. 

I have reached out to XXXX on 4 occasions with Zero resolution to my questions and concerns. They have repeatedly ignored and " breezed over '' my questions as to why it was not paid and how they intend on reimbursing me for their negligence. They just tell me it's my responsibility to make sure they get them. I did make sure they got them and I provided the documents showing it was mailed to them, twice. 

I am tired of this company screwing up my escrow account and taking no responsibility for their actions and negligence. This company has no customer service as they have consistently proven they don't care about their customers. They should not be allowed to write loans for ANYONE in my opinion. No consumer deserves to be put through the constant frustration I have had to endure for more than two years having this loan with CMG Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
This is regarding a collection initiated by Trident Asset Management showing the initial creditor as XXXX. It appears that the date opened was XX/XX/XXXX in the amount of {$1400.00} This is not my debt and the account is in another persons name. I have requested verification of this debt from Trident Asset Management and they have refused to provide requested verification. They continue to send simply a bill stating that I owe the amount of {$1400.00} but refuse to verify the debt or provide ANY information concerning the details of alleged monies owed. I have contacted the company numerous times as recently as XX/XX/XXXX requesting verification of said debt only to be either refused requested information or being hung up on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Wells Fargo HELOC payments to be automatically debited from my back account. These payments were deducted from my checking account but not remitted to Wells Fargo by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Wells Fargo customer service who advised me earlier this year that these payments would not be negatively reported to the credit bureaus but I've discovered recently that they are being reported late. I have been a very loyal customer of Wells Fargo for over 10 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Wells Fargo for the fault of another financial institution.

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 2019-07-16 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I transferred money to XXXX from USAA on XX/XX/XXXX. The amount was processed by USAA on XX/XX/XXXX and removed from my account. On XX/XX/XXXX -- USAA charged me a {$29.00} insufficient fees and took back the money to XXXX. 

When I saw this on the XXXX -- I called USAA and they refunded the {$29.00} fee -- but they could not send the money back to XXXX. 

This same scenario has happened on multiple occasions where USAA prioritizes later payments made AFTER an amount has already been debited, and then retroactively charges me a fee and says the funds aren't available. 

I think they are deliberately doing this to scam people for ACH fees -- it has happened to me on multiple occasions over the past few years, and while I understand that when I can see that things are processed online and when it actually happens may be different -- this is a SCAM and it should be looked into -- and the bank should be responsible for properly processing payments in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Chase Visa payment to be automatically debited from my bank account. This payment was deducted from my checking account but not remitted to Chase by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Chase customer service who advised me earlier that this payment would not be negatively reported to the credit bureaus but I've discovered recently that it is being reported late. I have been a very loyal customer of Chase for over 15 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Chase for the fault of another financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In error, I submitted a payment to XXXX XXXX through my bank, Fifth Third. I contacted XXXX XXXX less than 30 mins after the payment was made. XXXX XXXX was unable to stop the payment as it had not posted, they suggested I contact my bank. I reached out to Fifth Third who said they were unable to stop the payment. This has an internal case number of XXXX. After escalating this to a supervisor, they finally offered to put a stop payment in place for a fee of {$33.00} with no guarantee that the payment would be stopped. This was only less than an hour after I had input the payment. It is inconceivable that a bank as large as this is unable to assist with what is a simple request given the very short time from notification of my error. If my account becomes overdrawn, I am responsible for any overdrafts that might occur even with my request to stop only 1 hour after the payment request was input.

Company response to consumer: Closed with monetary relief