vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX/XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts 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 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Financial Recovery Service mailed a letter stating I owe XXXX on a past due account from XXXX XXXX XXXX XXXX Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now FRS is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I recently attempted a person to person transfer through my bank ( People 's United Bank ) which then went through via XXXX. Though the details that I put in of the person I was sending it to ( my boyfriend ) were all accurate and the money was deducted from my account, he got the notification on his phone but was unable to receive my money. Somehow I then got a message over social media from someone living in the XXXX saying that a friend of theirs received the money and promptly spent it all. He knew the date of the transaction and the exact amount. I informed my bank but they and said it was a XXXX issue and would not reimburse my money. I then spoke to XXXX again and they told me that how the process worked was that Peoples United bank sends them the information of who to transfer the money to, and they then transfer the money to that account. XXXX told me that the name they received from my bank of who to send the money to was someone who lives in the XXXX who I have never heard of. Attached are copies of my bank statement that show that I intended to send the money to my boyfriend and not the person in the XXXX. XXXX then told me that due to this, it appeared to be an issue with the bank and they would not reimburse me. All I want is my money back but no one will give it to me ( and the person in the XXXX already spent it all ). I will also be filing a police report but that won't get me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi I get social security & XXXX. By the it's all gone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 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: GA

Complaint narrative:
XXXX XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts 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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.

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 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a checking account with Fifth Third ( XXXX ) bank and XXXX XXXX XXXX ( XXXX ). I wanted to make a transfer from XXXX account to XXXX. I used XXXX bank 's online banking from desktop/browser to add my XXXX checking account and than initiated a transfer for {$250.00} on XX/XX/2018. While I was making the transfer none of the screens in online banking showed that there will be a {$3.00} service charge to use the service. After I submitted the transfer, I got an email on XX/XX/2018 that the transfer is complete even this did NOT mention that there will a {$3.00} charge. I got to know about the charge only when I checked my account statement, it debited {$250.00} for a {$250.00} transfer I made. I called the customer service and they said that there is nothing they can do as it is not a reversible fees. 

This is very bad experience and day light robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Current balance of loan reporting over {$4000.00} when balance should be {$2800.00}. Set up settlement for payment of {$1700.00} to be paid however the first representative stated balance was XXXX and they would accept XXXX. Called to verify a few weeks later before payment and the representative stated balance was now over {$4000.00}. Would like balance to reflect {$2800.00} as stated by previous representative before payment made and account removed from reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have banked with Chase bank since my accounts were with Washington Mutual and when I went to check the activity on these accounts on XX/XX/18, I had to call in to get a restriction taken off. I was informed that my accounts had been shut down and that Chase no longer wanted me as a client. I have never been over drawn in any of my 3 accounts ( 1 checking, 2 savings ) and never received a warning of any kind that there was an issue. I also have 2 college savings accounts set up through Chase along with 3 credit cards with Visa that I now no longer have access to check activity to. I was not given a reason for the cancellation and I am now very concerned that I may have had my identity stolen. I have since closed those checking and savings accounts and opened new ones so I am not necessarily looking for reinstatement, just some more information or at least why I was never given any notification about the closures. I would also like to have online access to my credit card accounts reinstated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX mailed a letter stating I owe XXXX on a past due account from Barclay Bank of Delaware. Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now XXXX is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.

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 2018-10-10 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: KS

Complaint narrative:
I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2018-10-10 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: KS

Complaint narrative:
I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I Disputed this Account Name : Original : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX Experian Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account 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 2018-10-10 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: LEXISNEXIS
State: FL

Complaint narrative:
I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX  XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. 

I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. 

When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. 

I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. 


Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. 

A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: CA

Complaint narrative:
Experian is reporting the wrong balance on the only account I have with them which is XXXX XXXX. You are reporting on XX/XX/2018 a balance of {$720.00} which is incorrect. The correct balance is {$650.00}. 

I went in to dispute section of Experian and it shows current balance as {$650.00} not {$720.00} as it shows on the credit report.. 

The {$650.00} is the correct balance and is currently reported by XXXX. 

I will be uploading information to show how Experian is reporting my balance incorrectly. 

Also, I need a copy of my actual credit report which XXXX went directly to my membership which does not show name, addresses, DOB, no soft inquiries, etc.

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 2018-10-10 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: FL

Complaint narrative:
Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately 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