vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 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: IL

Complaint narrative:
Experian is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to CORRECT. 

Experian representatives told me that because the delinquent payments were accurately reported that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
2013 my car crashed in the car accident a towed company towing it my insurance company doesnt paid to take the car, towed company putted the ligne in my tag I couldnt do the car in person I went to the towed company to pay the money I paid off the money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: DISCOVER BANK
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor ( Discover ) and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days the date of notification to cease and desist all reporting & collection attempts on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: MIDFIRST BANK
State: SC

Complaint narrative:
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from Midland Mortgage. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an account with American Express Serve. 

On XX/XX/2018 I tried to log into my account and it said there was no account with that name. I called the company and it went to a recording stating I should receive an email with information on my account and that it was closed. I still get that recording if I call. 

The email says " During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, '' I immediately sent them a letter regular mail asking them for my balance of aprox {$2400.00} be sent to account address and any other information as to why they closed my account. I didn't get any response. I cant get through on the phone to anyone because they have a block on my number. 

On XX/XX/2018 I sent a certified letter " Dear Customer Care, You recently closed my account, more importantly I had a balance of aprox {$2400.00} and I havent received any information as to when or how I am supposed to get it from you. Please send a check immediately to my account address or send me information how to collect my money. It has been 11 days and I havent received anything in the mail with an explanation or the balance when you closed it. 
Please send any information on why my account was closed to the address below. 
Please send the balance of my account to '' I haven't got any reply. 

I don't have any idea of how I violated their terms and at this point I don't care how. I just want the balance of my account or information as to why they still have not sent me my money. It is right around {$2400.00} or more that they have kept for months with no explanation. 

I would like American Express to send me the balance of my account when they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi .... My name is XXXX XXXX. On XX/XX/XXXX, my employer had to send my pay thru XXXX. They had left town and forgot to give me my check. So, therefore I opened a XXXX account. I was told that I could transfer funds instantly to my bank account. Unfortunately my bank was not supported by XXXX. So, I set up my boyfriend ( XXXX XXXX ) a XXXX account, transferred funds to his XXXX  account. Which i was not able to transfer the {$2000.00} balance I had. I was only allowed to tranfer {$290.00} .He tried giving them his debit card information for an instant tranfer and was declined, although XXXX approved his bank to do so. So we went the other route of doing a checking transfer and funds would be in his banking account in 1 - 3 days. His transfer was accepted by XXXX. He received an email from XXXX   on XX/XX/XXXX stating that his account was frozen due to suspicious activity and I also received the same email. Needless to say we didn't receive that money til the XXXX. On XX/XX/XXXX I tranfered {$700.00} ( that was all I was allowed to transfer ) to a friend of mine ( XXXX XXXX ) who had a XXXX  issued debit card. The money transferred successfully. Went to withdraw money from ATM and transaction was declined. So XXXX XXXX called XXXX and they stated that it happens sometimes and to try again. And if that didn't work to go to a store And make a purchase and request cash back. Tried ATM again with no success. So went to XXXX   XXXX made a purchase and it was accepted but was only able to get {$40.00} cash back. After that went to get gas with the same XXXX card that was used was once again declined. I ( XXXX XXXX ) still have {$1000.00} in my XXXX  account that I can not access. I can not even transfer it to my boyfriend 's ( XXXX XXXX ) XXXX  account because now ( on XX/XX/XXXX ) they say his account was deleted on XX/XX/XXXX. Not sure how that is possible because I transferred the {$290.00} in his account XX/XX/XXXX. And by the way, you can't speak to anyone that can give u answers. You are told that You would have to E-MAIL customer support. So pretty much XXXX  still has a big amount of money ( 7 days later ) that I worked hard for, cleaning a fraternity on XXXX campus. And their customer support is not available on the weekend. So it could be Monday or Tuesday before I get a reply. Bottom line, this so called company should not be able to keep my money and tell me I have a weekly spending/transfer limit. I earned that money and should be able to spend it how and when i like.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: SC

Complaint narrative:
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: SC

Complaint narrative:
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had 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 2019-03-30 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: SC

Complaint narrative:
XXXX XXXX  had been overcharging me for 4 years for insurance that I never signed up for. I was paying extra high-interest rates on the account and having a hard time paying this. My account was late several time due to this. My balance never decreased. I finally inquired why my balance was never going down. They finally looked at my account and ended up credited me over {$800.00}. They still reported negative paying status on my account although they were overcharging me. 

I recently paid them off and they are still reporting that I owe {$82.00} on my account. This is impacting me applying for credit. The negative reporting status and can not get my balance to show paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Why does BMO Harris bank only use the gross amount when determining if you're eligible for a specific loss mitigation plan during a hardship? They seem to also ONLY look at direct housing cost and what appears on your credit report. There are expenses that will not appear on a credit report, I.e. paying for someone to take care of your spouse who had a XXXX, grocery bills for a family of 6, child care payments, life insurance payments, car insurance payments, etc. It is unfair and unreasonable that BMO Harris has a process as such.

This process should be changed.

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 2019-03-30 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: AK

Complaint narrative:
To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/XXXX, XX/XX/XXXX asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they 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. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statue of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.

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 2019-03-30 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: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/2019, XX/XX/2019 asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they 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. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statute of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I hope this finds you well. 
My problem is with Chase credit card company. I had a credit card account that was in good standing starting in year XXXX ( {$4500.00} limit ). I shut the account down in XXXX because I could not afford excessive interest rates. I contacted Chase to make payment arrangement ended up creating a settlement with Chase CC, paying them 50 % of amount in XXXX they will not remove from my credit report and have inaccurately captured a XXXX date that is meaningless. I feel this is hurting my credit and my potential background checks with employers. I also feel Chase is doing this on purpose. I have asked for explanation and disputed on credit report. They do not respond to me.

Chase Credit Card Account Number is not available and the credit report shows closed XX/XX/XXXX. Last touch of XXXX is not possible. Chase is wrong in the record reporting. Please let me know what else I can provide. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech has arbitrarily changed my monthly payment due XX/XX/XXXX to include an absurdly high monthly escrow request. This started with an escrow analysis in XX/XX/XXXX which was in error and I immediately informed Ditech of the error. I have sent numerous emails through their internal system, sent faxes to their published fax numbers, and qualified requests to their published qualified request address and have received no correspondence regarding the error and it has not been corrected. 

I made my mortgage payment already for XX/XX/XXXX and it has been received. Unfortunately, Ditech has misapplied it, dividing it arbitrarily between principal and escrow rather than the first to the principal and interest payment due with the balance going to escrow.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XX/XX/2019 Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending. Does it matter this company continues this practice or has multiple complaints that you can view just be " XXXX '' their name? 

SLS sent a letter stating I was 15 days late but no mention of the attachments in complaint number XXXX ( see attached ) showing no payment due. I am attaching the documentation AGAIN so SLS, who shows they have no understanding based on their response, corrects the mistake based on their own documentation.

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 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
This company has gone out of business I never received any notification of a debt being owed

Company response to consumer: Closed with explanation