vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Company involved has continued to change amounts owed / made this process extremely confusing as to how to get this COMPLETELY removed OR caught back up / late payments removed. 

Please help with this process, I've yet to get help through the company. If they could fix this on their app so that I could catch this account up I would be grateful.

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 2019-11-01 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: AL

Complaint narrative:
I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.

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 2019-11-01 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: AL

Complaint narrative:
I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : )  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: North American Credit Services
State: FL

Complaint narrative:
An collection company named ( NACS ) North American are pretending to collect the amount of {$91.00}.

When an agreement for a monthly payment plan with " XXXX XXXX '' was established since the month of XX/XX/2019, 6 payment of {$15.00} for a period of six months.

( Verified Attached, upload Invoices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: GA

Complaint narrative:
I am a victim of Identity Theft, reports filed. I submitted FCRA reports to each credit reporting agency in XX/XX/2019 and XX/XX/2019. 
XXXX and XXXX have removed the fraudulent account. Equifax has not removed the account after receiving the documentation for months ago. 

Listed below is the referenced account : XXXX XXXX XXXX XXXX XXXX - Balance I have no knowledge of this account and this account is hindering me from moving forward with purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX home XXXX mobile Account : Portfolio Recovery Associates, LLC # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Seller : XXXX XXXX XXXX  XXXX In XX/XX/XXXX, I made arrangement for a debt that I originally owed to XXXX XXXX which was sold to Portfolio Recovery. To pay off this debt, I spoke to a representative at Portfolio Recovery, legal department. My arrangements were as follows : {$200.00} initial payment following {$100.00} each month ( XXXX day of each month ) and the last payment of {$65.00} due XX/XX/XXXX. 

The original amount due was {$2000.00}, Portfolio Recovery settlement in the amount of {$1400.00} plus {$200.00} court total due of {$1600.00}. I initially paid {$200.00} when I made these arrangements and {$100.00} would be due every month beginning XX/XX/XXXX until XX/XX/XXXX, and the last payment would be {$65.00} on XX/XX/XXXX. I have paid each payment until XX/XX/XXXX. My total remaining due is {$860.00}. 

To date I owe Portfolio Recovery {$860.00} which I verified today ( XX/XX/XXXX ) by calling them. On my credit report, all three agencies, it states that as of XX/XX/XXXX I owe {$1300.00}. I have called Portfolio Recovery numerous times. After, many, many, many calls, no action has been taken by Portfolio Recovery to correct the amount that I presently owe, {$860.00}. I have verified each month and complained about this error but they do nothing to correct the amount due with the credit agencies. ( XXXX, XXXX, XXXX  ). 

This seems to be against the law to not report the correct amount due on all 3 credit agencies. This continues to tarnish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
8 years overpaying escrow first Ocwen then PHH know XXXX XXXX.Making payments {$720.00} month escrow. Taxes {$3000.00} Insurance {$3500.00} a year total {$6600.00} actual .I been paying $ XXXX.Overpaying {$2100.00} a year for total {$17000.00} not including compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, TRANSUNION

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EXPERIAN, 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
Consumer complaint received 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I paid off the loan on XX/XX/2019 and then on XX/XX/2019 an additional payment was deducted from my deposit account. When I called, the individual I spoke with seemed confused. The lender appears to use simple interest as when I opted to pay off the loan it showed figures for both outstanding principal and accrued, unpaid interest. The additional payment appears to be primarily for interest however I am not certain. In reviewing the loan agreement I noticed the calculate interest using a 360/360 basis which is highly unusual for any loan that is not a mortgage and I have never seen used in consumer loans which have a daily interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited some checks into the Citibank ATM on XX/XX/2019. I was misinformed that my funds would be available the next day. 

The funds were not available. The reason Im upside is because I missed a doctors appointment. I missed the doctors appointment because I couldnt pay the fee and had to reschedule. 


Peoples lives dont stop on the weekends anymore. Its XX/XX/2019. It shouldnt take Citibank this long to clear checks. Because of this I also couldnt pay rent on time. I made the mistake of depositing my checks when I couldve gone to another bank and gotten my funds the same day. 

Because the buffer Citibank placed on my funds I missed a doctors appointment which I took the day off of work to attend. This means Ill have to take another day off work.

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 2019-11-01 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX   XXXX XXXX and 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 2019-11-01 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:
Equifax continues to report negative fraudulent information on my credit report and refuses to remove it. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and 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 2019-11-01 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I saw on my Experian credit report. An fraudulent inquiry. This inquiry was from XXXX/XXXX. XXXX /XXXX looked at my credit report with out my Permission or knowledge. Experian aloud them to do it. They did not call or block them at all. After I contacted XXXX credit card. They lied about it. I emailed them so I can prove that they did in fact looked at my credit report. I emailed them to find out how they got my information and why they looked at my credit report. In the email it stated they cant fine an account or Application. But there is a fraudulent inquiry from that company on my credit report in inquiries. Then I get an email from them. The email from a PDF says that they could not issue me credit or look at my credit report bc the information could not be verified they are now lying. So they did in fact looked at my credit report! Experian needs to take this inquiry off my report bc its a fraudulent inquiry

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 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Charged by Target for a return payment fee ( {$28.00} ) XX/XX/XXXX - I called into Target Customer Service who said the payment was withdrawn from an old bank account. I let them know that the account it was withdrawn from had been closed almost a year and I had made subsequent payments on my Target credit card multiple times from the correct/active bank account. They could not tell me why the payment was drawn from my old bank account. The Supervisor I spoke with asked that I log into my account to delete the old bank account - when I logged in and told her it was already removed, she told me that they had removed it already for me. I asked how I could be refunded the return payment fee and she said that it could only be removed if it was a processing error on their end. They were not able to tell me why this didn't constitute as a processing error or why it had been withdrawn from an old account. Since they were not able to refund the return payment fee, I elected to cancel my credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Around XXXX I received a letter from XXXX ( A XXXX XXXX Company ) offering me a loan modification to increase the term of my loan to 40 years which would reduce my monthly payments making them more affordable and helping me avoid foreclosure. I called them and accepted their offer and made the 1st of three trial payments that were required under the terms of the modification. During that same month I receive a letter letting me know that the loan was being sold to PHH Mortgage and as of XXXX I would need to deal with them. I called that company during XXXX to ensure I made the 2nd required trial payment. It wasn't until XXXX that I was able to make the 2nd trial payment. However, during that phone call, the representative attempted to confirm payment of the previous loan payment amount, but when I was asked to confirm the amount and give my permission to run it, I informed them the payment amount was not correct. They fixed it, asked me to confirm the amount, and I confirmed the updated amount was correct and gave my permission for them to run it. The call ended with the representative taking my phone number to have someone from their company call me to discuss the loan modification made by the previous loan company. The next day, XXXX, I checked my bank account to find that they had no only run the correct payment which I confirmed and approved, but had also run the incorrect payment which I did not confirm nd approve. So I called them about it and they said they could possible credit the account but it would take up to 5 business days and they would most likely send a check if it were credited. I live pretty close to even and having a bank account that was in the red for around {$800.00} at that point meant I would have to pawn property, borrow money, etc. to buy gas, food, pay other bills, and generally make ends meet until a credit was approved and a check was mailed and received, if they actually approved the credit in the first place because they couldn't even confirm the loan modification was made to my account as agreed to by the previous loan company. In the end, the only way I could stop the payment was to have my bank reverse it which cost me money to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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