vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 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: NC

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX XXXX XXXX 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 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: WA

Complaint narrative:
RECEIVED NOTICE OF " FINAL DEMAND FOR PAYMENT '' WHEN I HAVE NOT RECEIVED ANY PRIOR NOTICE OF THIS DEBT, NOR AN INVOICE FROM THE HOSPITAL FOR THE ALLEGED DEBT. I HAVE ALSO NOT RECEIVED ANY INFORMATION ON HOW TO DISPUTE THIS DEBT OR IF I CAN EVEN DISPUTE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: NC

Complaint narrative:
I could not believe they did a full investigation on the account because it is incorrect.. Equifax keep on saying that XXXX XXXX XXXX is a charge off, they were paid off and was not late..CFPB step up and remove the account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion failed to verify the accuracy of XXXX XXXX XXXX. This is damaging my reputation and creditworthiness. Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.XXXX XXXX   XXXX XXXX XXXX, XXXX.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. XXXX XXXX XXXX XXXX XXXX, XXXX. act is completely illegal and has to stop and investigated by AG NJ office. XXXX XXXX XXXX XXXX XXXX, XXXX. is in serious violation of XXXX Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.

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 2019-07-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc.
State: NY

Complaint narrative:
I am. Trying to settle a debt with a company called national credit service. 

I was trying to explain my case, dispute a debt. 

I have a documented XXXX of XXXX  XXXX and have send over my ssd papers multiple times. Im also being told different times that I can be released from their XXXX  program This is causing me stress and causing my XXXX to worsen. This is greatly affecting my credit and FIOS score, thus my housing situation as Im unable to buy a home. 

Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.PORTFOLIO RECOV ASSOC AMOUNT XXXX XXXX DATE OPENED XXXX 2.XXXX XXXX  XXXX  AMOUNT XXXX XXXX DATE OPENED XXXX 3.XXXX XXXX   XXXX  AMOUNT : {$2000.00} DATE OPENED XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX DATE OPENED XXXX INQUIRES XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: RI

Complaint narrative:
XXXX owe {$6300.00} opened in XX/XX/XXXX XXXX owe {$9700.00} opened in XX/XX/XXXX XXXX/XXXX XXXX XXXX   owe {$1500.00} opened in XX/XX/XXXX XXXX XXXX owe {$1000.00} opened XX/XX/XXXX XXXX XXXX owe {$250.00} opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX amount {$13000.00}

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 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. 

On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. 

I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. 

I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )

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 2019-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
**On XX/XX/2019 I made an online mortgage payment of {$1100.00} to Ditech Financial LLC to pay for XXXX. The payment, unbeknownst to me, was not applied because I mistakenly transposed the last two digits of my bank account number. 
**When I noticed that the money had not been withdrawn from my account after several days, I phoned my bank and learned that no request to withdraw had been received from Ditech . 
**I phoned back and forth between Ditech and my bank for about five days asking about XXXX XXXX payment. Finally, a CSR from Ditech assured me that the payment had, in fact, posted as " received '' on XX/XX/XXXX. 
**It was not until on or about the XXXX of XXXX I received a voicemail from a CSR from Ditech who left no detailed message but left a number for me to call Ditech . 
**On XX/XX/XXXX, I received a form letter from Ditech informing me that my payment for XXXX was returned for non-payment. Nothing was mentioned about Ditech reporting to the credit bureau. 

**Prior to this incident, I had begun the process of refinancing my home. It was because of that process I learned that Ditech had wasted no time in reporting a LATE payment on my mortgage to the credit bureau. 
**The next time I called Ditech to dispute the negative credit bureau entry and was told to send an appeal/request via U.S. mail or fax to have the negative report reversed. I did send the fax. I included the fact that this was the fault of a simple error and due to the extenuating circumstances, they should reverse that report. 

**Yesterday I received another letter from Ditech stating that they will have to " look into the matter '' and I should expect a reply in 30 days. What is there to investigate? I have told them what occurred, it was a SIMPLE typographical error. I have not missed a payment or been late until this incident. WHAT is there to investigate?? This is unnecessary. 
Incidentally, I owned my first house for 23 years and was NEVER late nor missed any payment. 

**Ditech has served me an injustice. I did everything I could possibly do to verify my payment was on time. But due to their slow moving collecting system, payments take days to go through then even more days to be returned then more days to go through again. If Ditech was better organized, and their personnel better trained, and they had a faster collecting system could have possibly been avoided. And consider the fact that I was told my payment had been received AND posted as PAID. How can they justify such a hasty move to the credit bureau? 

**I am sure you can understand my frustration. I am trying to refinance as well. The right thing for Ditech to do is to take that negative report off my credit file with the same haste that it was sent. 

**This statement can be corroborated by Ditech playback of their calls that are recorded with customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/2019 I told Paypal to send {$780.00} to my XXXX account from my XXXX account. However, I was charged {$850.00} for the transaction by the bank because my account is in USD and not PLN ( even though I was sending USD to USD ). After noticing this I contacted PayPal from my XXXX account to refund the {$780.00} that was originally sent. Today when I viewed my account it shows {$770.00} was returned out of the {$850.00} that was originally charged. When I spoke to my bank, they stated that the merchant did not process the transaction correctly and therefore the refund was processed as a credit verses a refund. PayPal need to Refund my account under the same transaction ID the payment was made in order for me to get all of my money back. Or at least take responsibility for processing the refund incorrectly and give me the {$80.00} I am missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX 15 ) 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 2019-07-04 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:
I Have almost 11 inquiries on equifax report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THESEARETHEACCOUNTSTHATISONMYCREDITREPORT1.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX2.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX3.XXXXXXXXXXXXAMOUNT:{$2000.00}DATEOPENEDXXXX4.XXXXXXXXXXXXXXXXXXXXAMOUNT:$XXXXDATEOPENEDXXXXINQUIRESXXXX/XXXX,XXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.XXXX   XXXX XXXX AMOUNT $ XXXX  DATE OPENEDXX/XX/XXXX 2.SANTANDER CONSUMER USA  AMOUNT $ XXXX DATE OPENED XX/XX/XXXX 3.XXXX XXXX   XXXX AMOUNT : {$2000.00} DATE OPENED XX/XX/XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX  DATE OPENED XX/XX/XXXX INQUIRES XXXX/XXXX, XXXX   XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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:
I Have almost 11 inquiries on XXXX  report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.

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 2019-07-04 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/19, I received a letter from U.S. Bank credit card co. which I already have credit card accounts with. 
This was not included in a statement but in a separate letter. 
It saids if you sign up with your email address, we will give you XXXX  mile at no charge in 4-6 weeks. 
I highly doubt that they will but I decided to sign up to earn a XXXX miles which is pretty much nothing to earn any upgrade. 
However, I have not received any miles yet. 
So I called U.S Bank on XX/XX/19 to inquire about my miles. He transferred me to a supr.And the supr basically said I need to wait more time. He also put me on hold and tried to find any offers similar to that but nothing. 
I wasted my valuable time to sign up my emails but I still have not received any miles and I highly doubt that I will. 
Please have them give me XXXX  miles that I deserved.

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 2019-07-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
OnXX/XX/2019I logged onto my online account with Direct Express Debit Card/Comerica Bank and noticed 2 debit reversals on XX/XX/XXXX of {$89.00} totaling {$170.00} so I called Direct Express and ask why my account was debited today. After waiting on hold for almost 2 hours I spoke with XXXX from the company and she said they took the provisional credit that they gave me in XX/XX/2019 back. I told her I need the money back in my account cause they cant just take money out of my account without notifying me and if they did finish investigating my dispute I havent received any type of notice from them. She then told me my dispute that I filed in XX/XX/XXXXis still pending, they have up to 90 days to complete the investigation, and while they investigate they can debit the account for the amount of provisional credit at anytime without notifying me. 
This company just waited until funds were loaded to my card and then debited my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 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: TX

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this.. 

DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: NY

Complaint narrative:
i am disputing the four late payments reporting on my credit report from XXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am disputing the four late payments reporting on my credit report from XXXXXXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.

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 2019-07-04 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TX

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 ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : XXXX  XXXX   XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ;

Company response to consumer: Closed with explanation