vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA continually reports incorrect information on my XXXX credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and USAA multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 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: MO

Complaint narrative:
XXXX continually reports incorrect information on my Equifax credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and XXXX multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX XXXX handles XXXX XXXX XXXX Credit Card holders accounts. XXXX XXXX has charged me several Late Payments ( {$37.00} ) in the short time I've had a XXXX XXXX XXXX Credit Card. When I receive a XXXX XXXX XXXX statement, it only allows check by mail. When I call XXXX to make a payment, their automated system only only allows check by phone. If I'm late for a payment and call XXXX, I'm transferred to a XXXX XXXX live person and I'm allowed to use my MasterCard/Debit Card to make a payment. I found out from a " live person '' in XXXX that I could've used my MasterCard/Debit Card for my payments every month, all I needed to do was talk to a " live person ''. It seems like this information was withheld from me. I've also tried to make a payment using my XXXX XXXX XXXX Account ( XXXX ) to make a payment to my XXXX XXXX XXXX Account and it was rejected by XXXX XXXX. Although my XXXX XXXX XXXX had ( has ) a routing number and checking account number attached to it and the money for that payment was in that account. I was not immediately aware that XXXX XXXX   rejected the payment from my XXXX account causing another late Payment Fee of {$37.00}. These problems have XXXX  my XXXX XXXX XXXX Credit Card Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX  on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX.

I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this.

I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so.

That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX  for this installment loan.

I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only.

I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial.

I have attached all the proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: The Hamilton Law Association
State: NY

Complaint narrative:
XXXX XXXX XXXX keeps reporting to all three of my credit bureau 's that I never paid my medical bill and reports that I made partial payments recently. I have proof that the bill was paid in XX/XX/2016 to XXXX XXXX XXXX in my credit card statement attached and it was made once in the amount {$820.00}. XXXX XXXX XXXX agreed to give the money to XXXX XXXX XXXX the medical bill money, but illegally pocketed the money and did not pay the hospital as agreed in their recorded phone call conversation with me. They are trying to extort money additional money and followed through in there threats to consistantly report to the credit beareau agencies that I never made the payment. They recently have reported to my credit bureau 's that I never paid the {$820.00}. The XXXX XXXX XXXX sent the bill to XXXX XXXX XXXX because they sent the bill to the incorrect insurance company in their region and did not send it to my address. They also made no attempt to contact me. All of my information was properly written down the day of my injury by XXXX XXXX XXXX and given physical medical and personal information documents.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 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: NC

Complaint narrative:
I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is 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 2019-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Money transfer were initiated and supposedly cancelled by XXXX : 1. XX/XX/XXXX- {$1900.00} transferred on XXXX app initiated by me, but cancelled by XXXX   after funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account in ~5 days 2. XX/XX/XXXX- {$2000.00} transferred on XXXX  app initiated by me on XXXX  app , but received cancellation notice from XXXX  after the funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account within ~5 days. 
3. XX/XX/XXXX- {$1900.00} transferred by me on XXXX  app and received notification from XXXX  that the daily max is {$1000.00} and that I will receive a {$900.00} refund to my account. 
I never received any of the {$4800.00} to date. My bank chase has not been helpful in recovering funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Hello, I sent XXXX dollars to a friend in XXXX via westernunion.com on XX/XX/2019 and received a call to verify some security questions. The westen union caller  notified me that the transfer was approved and the money was debited from my account. Later that day, I was sent a request to provide the receivers ID and the money was put on hold. Due to urgency and limited communication with the receiver, this wasn't possible to provide. The website lets you view the transaction and resend ( button that says edit and resend ), I attempted to do this for half of the amount to see if it would go through but the edit and resend started an additional transfer, thus debiting my account without calling me for security purposes like the prior time. I called several times, one time the customer service agent pretended that he couldn't hear me, the other a lady did not speak English well enough to carry a conversation, and the last stated a form would be sent for a refund to my email. The email eventually came but now required the receivers identification and place of birth to issue a refund. With international money transfers I expected to be scammed by the receiver not by the company transferring the money ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: NC

Complaint narrative:
I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX  opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My loan is with SPS Select Portfolio Servicing. I was sent two separate XXXX  Cancellation debt one for XX/XX/XXXX of in the amount of {$91000.00} and one for XX/XX/XXXX for the amount of {$76000.00}. I have file both XXXX on my taxes. Both years have been adjusted on my taxes. Both amounts have been added back into the loan. Which has increased the of my loan to {$380000.00}. I was informed from several agencies that those amounts should not be added back into the loan because these amounts have been sent to the IRS as a forgiven debt. Which means they have said they can not collect the debt. So why are the added back into the loan. The explanation The servers is say is that because the loan modification was not completed. The amounts have been added back into the loan. So they get the tax break from the IRS and still get to add it back into the loan. 

I have been trying to get help to get help with my loan and I don't qualify because of the amount stated on my statements. 

I need help getting this corrected so I can get my mortgage back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
Letter dated XX/XX/2018. Amount is {$2300.00} from a closed account. They keep pestering me to pay with letters. The letter doesn't match up with credit report so it has been difficult to determine accuracy of this. Or even if this info is up-to-date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I faxed ( EWS ) XXXX XXXX XXXX on XX/XX/XXXX. To show proof with any documents bearing my signature showing that I have a legally binding contractual obligation to the banks listed on my consumer report on ( EWS ), and ask if they can not show proof what I am asking for please have it removed. And they replied back on XX/XX/XXXX saying all info was verified but actually didn't show any proof of what I requested. here is a sample of the letter I sent ... " This letter is in response to your recent claim that N/A has N/A verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by N/A. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at N/A regarding this alleged account. I am formally requesting a copy of any documents provided by N/A, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : I also Had a replied back from them In XXXX from my very first dispute in XX/XX/XXXX. Stating " Early Warning does not have access to account documentation and therefore unable to provide copies of any account documents. '' So if they couldn't provide what I was requesting those said accounts should be deleted instead of asking me to contact the said banks to get them. It's not my job to do so, that's why I was disputing to have ( EWS ) to show proof those supposed accounts were mines because they are not that's why they should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XXXX XXXX has reported that the account was not paid ... the time they are charging me I have already moved out of the rental house and they are charging me as if I was living on XXXX XXXX XXXX   nc XXXX

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