vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: SD

Complaint narrative:
I have applied for a job at XXXX and received a letter in the mail stating I was ineligible for the job due to information in my consumer report. After looking at my consumer report I received in the mail, I noticed the letter contained my twin sister 's name as well and not just mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: MD

Complaint narrative:
I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my third attempt to get this resolved. XXXX XXXX continues to leave on my Equifax report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite XXXX continued reporting on my Equifax credit report and Equifax 's refusal to accept that XXXX is providing them with inaccurate information. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company. 

In lieu of this information, Equifax must also cease inaccurately reporting I owe this debt. Equifax is the only one of the three credit agencies still reporting this debt as both XXXX and XXXX have accepted all of the previous documentation I 've provided to show this is not my debt. Equifax remains the only company still irresponsibly reporting this wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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:
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and experin to remove this inaccuracy from the credit reports

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened my account with Bank of America, here after referred to as BOA with a {$100.00}. I spoke in length, approx 30-45 min because was very leery about the bank, that I am getting some large checks due to a settlement from my lawyer and want to make sure that they will clear within reasonable time. She told me it would be fine, walked me to the teller and printed out the holds and sates of release. If applicable, i have the printed receipt that i can enclose or forward to you. It was a type A Hold on {$4800.00} until XX/XX/XXXX and a type D Hold untilXX/XX/XXXX for $ XXXX+. That was agreeable because I was to get married on the XX/XX/XXXX and i could pay the caterers, the photogrpher, cake, reception place, etc, plus get ourselves an apartment because we just moved here into south carolina. When I contacted them, they now are holding my money until theXX/XX/XXXX, even though it was from my attorneys office. I cant pay anybody with promises, they demand to see money up front. i tried multiple times to have managers call the risk department and they wont budge. I even told them just give me $ XXXX {$800.00}, and my social security check with is still linked with the bank is more than that and they can hold against my ss check, but not to screw up my wedding, please.

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 2017-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE REQUEST FOR ANY OF THE NAMED ACCOUNTS. 
I DONT WANT TO OPEN ANY NEW DISPUTES! 
THIS IS AN ISSUE WITH THE REPORTING ACCURACY OF EQUIFAX ONLY!!! 

Since XX/XX/XXXX I 've been having problems with Equifax. Since XX/XX/XXXX, I have been going back and forth having accounts, old addresses, inaccurate personal information removed/corrected and/or updated. Now all of a sudden all of things I worked so hard to get removed just magically reappeared with no explanation. 

Every time I call, all I get is more open disputes, which are pointless when such items have already been disputed and solved. All I want is for Equifax is to fix my report back to how it was prior to their breach of security, as the current reporting is hindering me from obtaining a mortgage. Since XX/XX/XXXX I have been disputing, do not open any more disputes. 

Personal Information : My name should read as first and last name only. My only accurate phone number is XXXX. My addresses are XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and XXXX XXXX XXXX , XXXX, TX XXXX. ( full numbers are masked ) My job is only XXXX XXXX only. Any information outside of what I just listed is incorrect and need to be removed immediately. 

Inquiries : Since XX/XX/XXXX the only inquiries should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Anything else is unauthorized and was previously removed but all of a sudden reappeared. 

Accounts 9 account numbers not listed due to security ) : 3 derogatory accounts were previously deleted as the companies had no proof they were my accounts however reappeared last month. These accounts, XXXX XXXX XXXX, XXXX XXXX and XXXX need to be removed immediately. These accounts were originally removed in XX/XX/XXXX/XX/XX/XXXX, I dont understand why they back on now. 

XXXX XXXX accounts should be reporting as paid charge off and was reporting as such in XX/XX/XXXX but now they are not correct or remove the accounts immediately ( see attached documents ) XXXX shouldnt be reporting and wasnt reporting until your breach ( see attached letter ). 

XXXX XXXX, should also be removed as it is a fraud account, and was removed until your breach ( see attached document ). 

XXXX XXXX XXXX XXXX/XXXX XXXX, should and was removed in XX/XX/XXXX, now its reappearing. ( see attached document ) Please correct or remove the reporting of these accounts, as this problem is a reporting problem with equifax not the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I did not receive any of my welcome bonus offers from my American Express XXXX card after finishing the required purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and XXXX to remove this inaccuracy from the credit reports

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 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I contacted Webster Bank and I provided my SSN and the Bank Account number but webster insisted I go into branch to " verify '' my information. I was traveling at this time and am currently located in XXXX for ~week.  Webster has ~ {$10000.00} of my money and they refused to provide help and insisted I go into branch to remove some nonsense security freeze on my account. Generally I like webster but there on-phone reps Supervisor XXXX and frontline rep XXXX can not deny access to my money because they feel like it. Frankly I think its criminal that a bank can deny access to funds because they feel like it. They even refused to provide information as to how I could get my funds insisting I must go into branch. I would like compensation for any travels I had to do to go into branch and a revision of the stupid policies at webster on security holds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 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 2017-10-11 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: MD

Complaint narrative:
I received a copy of my XX/XX/XXXX credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: MD

Complaint narrative:
I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

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 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my card was stolen and used around XXXX/2017 i never used the card at this merchant for this amount XXXX-XXXX XXXX XXXX FL # XXXX {$7100.00} i called wells fargo and they denied my claim wo investigating there clearly violating my right under the fcba and this wasnt even used for the chip is was swiped based clearly wells need to be investigated for violating my rights under the fair credit and billing act, i also filed a police report with XXXX police dept phone number XXXX officer XXXX report number # 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 2017-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am owner of an XXXX and XXXX XXXX - XXXX XXXX of XXXX in XXXX, FL. XXXX.Phone number XXXX XXXX XXXX. 

On XX/XX/XXXX we were duped by an erroneous person pretending to be the real estate agent by email for funding of the sale of a property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The money was wired to a Bank of America Accoun at XXXX XXXX XXXX, XXXX, TX with the name of XXXX XXXX XXXX XXXX XXXX. The checking Account number was XXXX XXXX XXXX and the routing number was XXXX. 

The wire was initiated at XXXX XXXX. At XXXX XXXX we called our bank XXXX XXXX to report the incident and to stop the wire. Right after that the wire department at XXXX XXXX was calling Bank of America and trying to stop the transfer. 

At the same time a complaint was also initiated by us to the FBI. Which will be included if we can upload a copy of the complaint. 

Until now Bank of America will not confirm to our bank as to where the funds are and any details of what has transpired. They just keep telling us that it will take 60-90 days to complete the investigation. 

It is now the XX/XX/XXXX and over 30 days from the incident. In the mean time the seller has initiated a lawsuit to recover the funds from us. Please advise us as to why Bank of America will not contact us and give us information on our funds.

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
Financial recovery services inc was sent a debt verification request on multiple occasions through phone fax and mail for a debt for XXXX they ca n't prove the debt is mines and refuse to delete this information from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help. 
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar has changed to Mr. Cooper upon its change it stop receiving my automatic payments from XXXX XXXX XXXX. My automatic payments were sent in on time to Mr. Cooper, but they still refused the payments. I called and spoke to someone who became belligerent and short ending our conversation by hanging up in my face. that young man hung up in my face. The 2nd guy said that he couldnt help me but call back again and make two payments and then the company will allow me to pay future payments ... THIS I WILL DO, but I BELIEVE COOPER IS TRYING TO FORCE ME INTO A FORECLOSURE SITUATION WHILE RUINING MY CREDIT ... THIS IS A CASE OF BULLYING THE SMALL CONSUMERS AND HOMEOWNERS AGAIN ... .I was able to get help but they stated that they could not take my payments and they have charge me an additional excess of {$1700.00} in late fees and interest charges ... this happened once before with XXXX XXXX XXXX ... I barely recovered from that onslaught that gave a settlement of {$57.00} to me as consumer but millions to lawyers as I had to chase congressman and lawyers ... I need help ASAP PLEASE

Company response to consumer: Closed with explanation