vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XX/XX/2019 PayPal limited my account access holding my funds for reasons unknown to myself or customer services reps I have spoken with. I provided information needed, changed my password for security and still can not access my funds in my PayPal balance for withdraw. Due to this inconvenience my water has been turned off by the utility company for failure to pay the bill on scheduled payment arrangement date. I have young children who has also been affected by this. I have reached out to PayPal on XXXX, XXXX and XXXX with no accurate response or update to when I will have access to MY EARNED MONEY sitting in my PayPal balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX , XXXX, but I think I should be fling a complaint against LOANCARE , LLC because they are the ones who transferred my service. You used to think that if a mortgage company transferred/sold your loan to another, it was a good thing. I do not think this is the case. XXXX is a collection service. Transfer was XX/XX/XXXX one month after closing. closing was XX/XX/XXXX. I did review the Notice of Servicing Transfer and I have logged in many calls to XXXX. Confusing because XXXX number is XXXX. I used to pay {$720.00}. They were late posting the initial money from closing. On XX/XX/XXXX I spoke with XXXX about payments and how to do them online. I paid XX/XX/XXXX. Back then I had questions about the escrow. This is when the amounts did NOT agree. Then, they said I was short, it THEY were over paying. I saw this reflected on monthly statement of XX/XX/XXXX ( statement date ) and ( payment due date ) of XX/XX/XXXX. Then on XXXX/XXXX/XXXX I got a statement from LOANCARE LLC with a new amount of {$690.00}. ( Everyones Mortgage goes down, so I thought nothing of it. I have heard of VA Relief Program and other reasons for decreases, even on a fixed rate, so I thought nothing of it. ) Until, LOANCARE decided to transfer me over to XXXX which started at total amount due : {$690.00}. And that is when from then on it seems they PASSED there buck onto to me. And on XX/XX/XXXX the amount changed again to {$710.00}. I am So fed up with all this. I have shared with my family that if for any reason I drop dead, SUE them for duress, because from then on I have tried to solve the problem with both of these with only one headache after another. Please help!

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 2019-07-22 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.

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 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I did two balance transfer on my credit card account one ending at XX/XX/2019 and other ending at XX/XX/2019. I paid completely the balance of transfer ending on XX/XX/2019 in XX/XX/2019 itself. However they allocate the payment towards the balance of XX/XX/2019 and change me interest of balance transfer ending on XX/XX/2019. My every statement shows that I have two balances ending on two dates. I paid my balance as per the statement. When I call and ask them why they are saying that the balance transfer ending on XX/XX/2019 was issued earlier, That's why they payment goes to that. This means when I transfer balance ending on XX/XX/XXXX, effectively my XXXX ending transfer has no meaning. If this is their rule they should have told me at the time of balance transfer and also on statements. As it wasn't done in either, BOA is charging interest without proper communication. I would like them to reimburse my interest for 4 months and also pay the penalty for their foul behavior. I have submitted the statements of XXXX and XXXX as supported documents. XXXX statement clearly shows two balance transfer and also payment for first balance transfer. XXXX statement shows the interest charged by them. Please let me know if you have any question. 

Thank you, 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 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AP

Complaint narrative:
On Friday, at around XXXX XX/XX/2019, my brother from the XXXX sent {$500.00} thru Western Union. I as the receiver is currently stationed on a US Military Base in XXXX and expected to receive the funds in a few minutes after the payment was done. However, there were a series of confirmation that needed to be done from my brother 's side which he confirmed personally so the funds can be released. Initially, after calling Western Union customer service, we were told that the funds will be available in 61 minutes. So I let 61 minutes pass and at XXXX ( XXXX ) I called back Western Union to have the funds released. The person I talked to said that the funds are released. So I called the agent from XXXX XXXX where I am going to pick up the funds to check if the funds are available for pick up. The agent from the base said that his terminal is showing that the funds has been picked up with details saying the funds were released somewhere in XXXX, Colorado. It is now Monday noon here and I have not received the funds. My brother called for investigation and now, he was told to wait another week for the result of the investigation. In the mean time, we still don't have the money that I needed urgently. I am very, very disappointed with Western Union 's service. It should have been money in minutes not money in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: CA

Complaint narrative:
questions on the equifax site asked to verify my identity when completed the site tells me it can not confirm my identity. I have called them and confirmed but nothing was fixed i am under the impression that a credit card or loan was taken out in my name that i did not authorize. Is there anything that the CFPB can do for me in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Remodification of complaint ID # XXXX, a sale date on my house had been XX/XX/2019, and there is a portion of four-page of my attorney motion to vacate the final judgment, and the balance is needed it would be sent. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Sent a debt validation request to company XX/XX/2018 sent US certified mail. Company signed for and received letter from me. Company failed to respond in anyway or provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Sent a debt validation request to company XX/XX/2018 sent US certified mail. Company signed for and received letter from me. Company failed to respond in anyway or provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Last year I went to SEE optical to purchase glasses, without my knowledge they opened a credit account in my name and charged the glasses on that account. I then left to work in XXXX, when I returned a few months later Synchrony bank contacted me and told me I owed {$1300.00} for the glasses so I told them I wanted the account paid in full and to close the account, I then returned to XXXX and upon returning 4 months later they told me that my account was overdue {$3.00} and they submitted a late payment to XXXX. I paid the {$3.00} and requested that they ask XXXX to remove the late payment from my credit record but this never happened. I've contacted each institution 3 times requesting to remove this and each time they tell me they will submit a request but nothing happens. This is the last correspondence from XXXX. 
Account Dispute Update XX/XX/2019 We have an update about your Account Dispute The dispute for the account with SYNCB/SYNC BANK CARD that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Synchrony did not close my account when I told them to do so and then charged me {$3.00}. They stated several times that they would get it removed but never do so. They will not give me my account number because the account is closed. This has decreased my credit score 80 points and is severely effecting my life in a negative way.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX. 

this was a closed/charged off account that i already paid in full. Equifax reported first on XX/XX/2019 as paid then suddenly they changed this account to unpaid for no reason known to me, and when i call them they don't have a given answer! 
yes every one i talk to, tell me something completely different than the one before him/her! 
yes one of them will tell me it's been updated to paid, when i go and check this out i see it still reported as unpaid! 
when i call back they will tell me it's been deleted! 
when i check, i find out it's still there as unpaid! 
Not only that but they report it as " unpaid '' with a recent date and this devastate my credit score! 
Yes on XX/XX/2019 they reported as " paid '', then on XX/XX/2019 they suddenly changed this to unpaid, for no reason known to me. when i asked them via phone, why? based on what you did this? they were not able to provide me with an answer! 
then again on XX/XX/XXXX they reported the same account as unpaid despite the " Paid In Full '' letter i faxed them from XXXX, the creditor! 
when I ask them why, they don't have an answer or send me a written response! 
this is a charged off, XXXX XXXX XXXX utility account of {$27.00}. 
XXXX sent me " paid in full '' letter that i faxed to Equifax, but Equifax disregarded this XXXX statement while continue to report it as " unpaid ''! to stop me from calling them, they now considered me and identity Thief! as such they now refuse to talk to me! to check my report i went to " annual free credit report '' but Equifax blocked me! but when i paid them to get my report they gave it to me immediately despite their claim of me being and identity thief! 
this is unusual!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was manipulated to open a credit card at Macy 's. It was my fault for not researching on how bad this company is. I opened the account on XX/XX/XXXX. They closed the statement on XX/XX/XXXX. Just six days from account openeing!! And expected me to pay off the amount by XX/XX/XXXX. Usually a card would give me one and half to two months to pay off from the date of opening the account. However, they slapped a XXXX XXXX late fees on me. I paid it off as I don't want it to affect my score. However, it is unethical to have such a short period of repayment from the account open date.

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 2019-07-22 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I had my credit pulled for as I have never had any credit and had an account from Credit Management LP on my credit report dated report date of XX/XX/2019. I called and spoke with a harsh rep as I have not had any accounts open with this company, she stated just pay my bills. I explained I have no idea what company this is as I have never used credit my entire life and she stated XXXX XXXX. I stated I live with my finance and she has her own cable which is XXXX XXXX so that can not be correct. I asked for documentation and an address that had this service, she stated she could not give this information and pay my bill. I stated I am not responsible for any bills I have not created. Asked to be sent documentation to my address showing I signed a contract or anything for this XXXX  place as there is no XXXX company any where around me. I told lady it is my right to have documentation along with my signature and anything else before they can just give any one services, as well as Credit Management has not contacted me either regarding placing anything on my report without giving me proper notice in writing. Had I not been checking my credit, I would never knew this was on my report. Lady did not want to help nor send documentation. I filed a report with the FTC for identity theft and also sent Credit Management written notice certified mail to send me documentation of me signing anything with XXXX, they failed to send me anything not even a bill which is against Federal Consumer Laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dispute filed in XX/XX/XXXX or so As of an hour ago. About XXXX XX/XX/2019 chase reverted the chargeback claiming I made the transaction XXXX Called XXXX and they claim the item purchased was a XXXX XXXX XXXX. 

The XXXX XXXX phone is a {$890.00} before tax purchase and my purchase that I claimed was {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: OH

Complaint narrative:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

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 2019-07-22 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: OH

Complaint narrative:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

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 2019-07-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I tried to contact this collection company, Southwest Credit in reference to XXXX XXXX XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {XXXX} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX  report permantently.

Company response to consumer: Closed with explanation