vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: LA

Complaint narrative:
XXXX Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX XXXX reported a late payment regarding my account. 

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from XXXX. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.

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 2019-06-03 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: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX shows on XXXX. It is the amount of {$220.00}. I called them. Agent said there is no record in their system of this charge. Supposedly it was established in XXXX. The address was my deceased Mother 's address who passed in XXXX. I have never used a pest control service. I need this to be removed from my credit. According to her none of this was in her system. 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 explanation
Consumer complaint received 2019-06-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX IS SHOWING A CLOSE ACCT WITH LATE PAYMENTS. I HAVE NEVER BEEN ON MY ACCOUNT WITH THEM. I WOULD LIKE TO RECEIVE A VALIDATION ON DEBT FOR THIS ACCOUNT.

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 2019-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability recovery I called they hung up on me three times. Was even told by one agent I dont have time to deal with people like you. Because I was stressing the fact they had to take off my report. 
I even mailed a copy of the report to them. 
I told them this debt is being disputed thru the department of education. I have a reference number to give them they didnt want it. It clearly states this means the federal government or debt collection companies will stop attempting to collect on the loans until the borrower of defense reviews the process and my application is completed. 
They would not listen and kept stating it will stay on my report. 
Amount is XXXX XX/XX/XXXX 2015

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 2019-06-03 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
I received a call from a Debt collector ( Law Offices of Harris & Zide XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXToll Free : ( XXXX ) XXXXFax : ( XXXX ) XXXXEmail : XXXX ) about a debt that is over 4 Years old and I did not remember to be Mine. 
the Statute of Limitation in California is 4 Years and this Debt is much older. They totally ignored these Facts and also did not validate the Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have complained 2 times through the Consumer Financial Protection Bureau that I have disputed and re quested debt validation from ARS for a collection they have placed on my credit report that should be deleted. On XXXX ( CFPB XXXX ) I requested debt validation and ARS responded that they could not located the account. I re requested validation on XXXX ( CFPB XXXX ) and ARS stated they were requesting documentation from the original creditor to stall again. ARS is not in compliance with FDCPA 809 ( a ) ( 3 ) ( 4 ) ( 5 ) and 809 ( b ) are in violation of this law they do not have debt validation on this amount that they claim.

They have denied me access to information purposely and should cease collection until further debt is verified and ARS has not been able to do. The initial debt verification request was XXXX and it was denied- there should not be a need to request verification for documents that should be available by now- Please explain how this account was not able to be located. I also would like copies of all documentation mailed out on this account

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 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
the company commonwealth financial have went ahead and enter on credit file two amounts that is not mine from XXXX XXXX for ammount XXXX AND XXXX for date XXXX, I have not gone to this hospital at all for any treatment or visit, so this debt is for someone else and need to de deleted asap, the tel # XXXX address : XXXX XXXX XXXX, XXXX, pa. XXXX. They have the wrong person credit file, need deleted from XXXX, XXXX, and XXXX. please you have help me before and I was happy with results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I opened the saving account at Chase bank, with the promotion ( deposit XXXX in 20 business days, and keep it for 3 months to received XXXX . And if I meet both checking and saving bonus requirement, I will get XXXX $ extra ). When I transfer my money from XXXX XXXX XXXX to Chase, they closed my saving account and locked my online access. They ask me to make a 3 way call with Chase and XXXX  XXXX XXXX to verify I am the account owner with XXXX  XXXX XXXX. After it they unlocked my online access, but Chase told me the saving account is closed, so I will not be able to get the bonus. I called and message Chase, they told me they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX, I helped my Aunt get a computer in a XXXX XXXX. Due to her declining health, she no longer knows how to operate a computer, so in XX/XX/XXXX, I got rid of her computer and " cancelled '' her subscription to XXXX. XXXX continued to bill me for 4 more years. No matter how I tried to cancel the subscription, it continued to be billed. Last year, I closed the credit card account the XXXX was being billed to. Unrelated, our family moved, so I have a new home address, phone #, and email address. In XX/XX/XXXX, XXXX billed me {$89.00} again. I did not recognize the charge notice from the credit card until XX/XX/XXXX, since I thought it was junk mail. In XXXX, I happened to open the letter and saw I was being charged for XXXX on a closed account. I called CitiCard and reported it as a fraudulent charge in XX/XX/XXXX. CitiCard denied the fraud claim in XXXX and referred me to XXXX. I contacted XXXX and after a long conversation, I received an {$89.00} refund ( full amount ). I got the CitiCard statement in XX/XX/XXXX, and the XXXX {$89.00} credit is there, but the fees and interest are still there in the amount of {$130.00}. I called CitiCard and they can not refund fees and interest on a closed account. CitiCard accepted a charge on a closed account, charged fees on a closed account, took a refund from XXXX on a closed account, but can not reverse fees and interest on a closed account. Please help me get the fees and interest charges reversed. Since my account is closed I no longer have the credit card and I do not have the 16 digit number. Statements don't have the 16 digit number, and credit companies will not provide the number over the phone.

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 2019-06-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I cancelled my service with XXXX in XXXX. They responded that they received my request. I then received a message from someone from their customer service that I need to call them with my PIN number in order to cancel. I don't know anything about a PIN and I let the customer service person know that I have already ported my number to a different company and they are to cancel my account immediately. They keep refusing to do so. I have on multiple occasions contacted American Express to let them know to reverse any charges since XXXX and to not allow XXXX to charge my credit card ever again. They said they would do it, but then they re-charge my card because they say the merchant told them I never provided the PIN to cancel the account and then they also keep allowing new charges. I just completed a dispute with them again today, but they seem reluctant to say they will no longer allow charges from this merchant. I am commission only at my job and I don't have time to spend trying to resolve this issue over and over again. If someone could help me get it resolved, I would sure appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I have provided all the documentation to Fay Servicing regarding full coverage of homeowner insurance. As well as both Insurance companies. However Fay still feels that there was a lapse in coverage however the documents that we have provided shows that there was not. 

They are charging me over XXXX month for hazard insurance when they know I have full coverage and have had full coverage for the last 20 years. 

They will not allow me to make a payment online at this time and when I call in to make a payment they try to refuse to take my payment unless I pay the XXXX extra for the hazard insurance. 

I have tried to contact them again today and I can reach them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery Services is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I have had the worst experience with lakeview loan servicing. they took over our mortagage servicing in XX/XX/2019, I have always made my payment on time, however the XX/XX/XXXX payment although taken from my account and cleared XX/XX/2019 never made it to my account. I have had repeated phone conversations with them and for the first two months they claimed they did not have enough information. After doing research myself we found with assistance from my bank that the last four numbers of my account number had been transposed and it went to some other account. now I do not type in my account number when I pay my mortgage. and I do not ask anyone to draw the funds. So a third party was involved and we contacted them and they provided the proof of payment on the wrong account which I forwarded to lakeview. I thought that was problem solved. wrong to this dayXX/XX/2019 they payment has still not been credited and I have had bad reports to my credit and constant harassing automated phone calls from this company. my last contact was XX/XX/2019 and I insisted that I need to talk to a manager. His name is XXXX and he assured me that this problem was to be cleared up the very next day and that late charges would be refunded. logged in to pay my mortgage this month to the 30 day late notice again. they have been taking the current payment and crediting it to the previous month so I am always 30 days late even though they have already gotten the payment I XXXX. I do not know what else to do its like talking to the wind. I have had more than 20 phone calls and numerous emails for this problem to no avail.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
Just got a collection notice/bill in the mail for a toll on the XXXX XXXX XXXX, where there is no posted or visible posted signs of toll or pay booth, not to mention I have a XXXX sticker which usually charges tolls directly to my credit card. Says bill is for a supposed violation on 2017 and just now im been made aware. Bill is for XXXX which includes toll plus added fees for non payment. How can I pay something I dont know I owe. I contacted the attorney/collection company disputing the charges with very little help. I contacted the XXXX XXXX XXXX co who referred me back to the collection co. XXXX reviews of this tunnel system is full of similar complaints. Most certainly something ought to be done about ir at the very least investigated about this company shady business practices. Im mailing a written dispute as advised by collection co w/ very little hope given by the rep on said agency. Definitely contacting the local news as well, this scam ought be known by out of towners, must definitely a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I send disputed letters with ALL documents to BOA BOA accepted my disputed letters & All documents and said " not worry for your charges '' and I received part of my money back today I received denied letter from BOA I email to BOA CEO & Attorney General consumer in NY as well as call CFPB ( XXXX ) pls prevent this scam for All Students & help me to get money back 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 explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Viking Client Services
State: PA

Complaint narrative:
Viking Client Services , LLC XXXX XXXX XXXX XXXX, MN XXXX illegally contacted my employer and my insurance company to try and recover funds for rental car damages. I rented the vehicle from XXXX on XX/XX/XXXX to XX/XX/XXXX. I was hit by an uninsured motorist on XX/XX/XXXX. They contacted my employer after they seen my discount code on the rental agreement. I contacted Viking via phone and inquired why they contacted my employer without first contacting me. I got three different answers from their employees. One said my private insurance company told them to contact my employer, the other supervisor said XXXX gave them permission and the final supervisor over the whole department stated that no one gave them permission to contact my employer. All of this transpired after I told them a few days before that i was claiming the damages with my credit card company and my private insurance company but to no avail they violated my right any ways. If this wasn't enough damage to my reputation they proceed to over charge me on the damages and have not provided the proper documentation for the loss of use for the rental vehicle, and administrative fee and a diminished value fee that I have requested for and now I am requesting proof of these fees again. However they did provide mr a copy of the XXXX Preferred Rental Terms and conditions of which this is the first time I am seeing it of all the time I have rented with XXXX for the past 5 years. Additionally in the packet they sent me additional pictures of damages on the right side of the vehicle of which was not there when the vehicle was in my possession. I also requested a copy of the voice recording of which i was referred to their compliance officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
XXXX XXXX has reported a debt belonging to XXXX XXXX originating in XX/XX/2018. I have not had any business with XXXX/ XXXX XXXX  in the last 8 years. I have reported this account as fraud if it falls in the timeline they have provided. Additionally I did have my wallet stolen and charges were pressed against a women who had been representing be me. That have not provided any proof that I accrued this debt. I have not subscribed to any cable or satellite services in 8 years and I have been an exclusive XXXX customer for 15 years. 

I believe they may have purchased very old debt that has passed the statute of limitations and are representing it as a new debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I deposited a large check in the Valley National Bank branch office in  XXXX on XX/XX/XXXX but no one there could tell me when the check clears! I then went to the XXXX branch! Same answer! I called both branches and the XXXX branch on XX/XX/XXXX! Same answer! 

What kind of banking is this? 

Outrageous! 

I have an absolute right to the answer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation