vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Opensky Legal Services
State: TX

Complaint narrative:
Paid for assistance in what was explained to as a soft chapter XXXX By Open sky and long story short sorry you didn't get approved for the help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Still the same ongoing issue with Transunion since XX/XX/XXXX with respect to my XXXX XXXX XXXX account, not being reported at all and having an incorrect balance at the then time. 

This shall be my second dispute regarding the matter, hopefully is is resolved at this time. 

It has been confirmed by my loan holder for my XXXX XXXX XXXX this payment information was sent to Transunion on XX/XX/XXXX and it has now been beyond [ 30 ] days and this information has yet to be reflected in my credit score.

Transunion did provide them with an Audit Number which is [ 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 2019-05-06 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: GA

Complaint narrative:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on 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 2019-05-06 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: GA

Complaint narrative:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: GA

Complaint narrative:
There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on 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 non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
On the XX/XX/2019, I executed 2 transfer ( s ) on the Transferwise platform under transaction ID : XXXX and XXXX for a total amount of US {$6000.00} where I was looking to sell those US $ to buy Euros and Sterling GBP. This was executed on the usual XXXX XXXX XXXX XXXX ( XXXX ) Account of Transferwise as I have been doing over the past 6 months On the XX/XX/2019, after Transferwise and XXXX received those US {$6000.00}, I received a notification from Transferwise that the transaction was cancelled as the bank account details was not accurate. Transferwise advised that the transaction was being cancelled and that I will receive the refunds within 2-5 business days On theXX/XX/2019, Transferwise advised that the transaction was cancelled because of a change of license and hence had a new bank account for non-US based US $ transaction. This change of license was never communicated and was not explained on the platform when executing the transaction On the XX/XX/2019 after multiple phone calls to Transferwise and several e-mails Transferwise sent a document arguing that this was a proof of cancellation and return of fund. This document was shown to XXXX XXXX XXXX with all details. XXXX advised that they never received any communication from XXXX that these wire transfers were cancelled. Typically for bank to bank transfer a swift message is sent so the other party bank can take appropriate action On the XX/XX/2019, after 11 days ( 7 working days ), no money has been received on my bank account. I have been spending more than 10 days with no idea where are my US {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   and the XXXX XXXX XXXX XXXX MasterCard credit card account ending in # XXXX. The following XXXX XXXX XXXX   XXXX Visa credit card account is lost/stolen # 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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score has dropped 106 point with Equifax. On XX/XX/XXXX it was XXXX and as of XX/XX/XXXX is shows XXXX. The problem is there are accounts that were included in my chapter XXXX bankruptcy that are now showing up as open and showing charge off 's. Two of my First Premier accounts, XXXX shows Charge off, XXXX XXXX XXXX  shows charge off. The chapter XXXX bankruptcy was removed which was discharged in XX/XX/XXXX for these accounts and recent charge offs were added instead which is incorrect. They even went back and changed the payment history to show that I was 30, 90 and 120 days late on accounts such as XXXX XXXX XXXX accounts which as also included in my chp XXXX bankruptcy. This has caused my credit score to drop 106 point. I am only having this problem with Equifax. This company has made a mess out of my credit report. A lot of accounts as I mentioned they changed the payment history during my time of when my chp XXXX  bk was filed in XX/XX/XXXX and then discharged in XX/XX/XXXX they changed to charge-off or that I was 30, 60 or 120 days past due and removed these accounts from showing they are included in the bankruptcy. If I file a dispute they just make things worse and drag it on another 30 days and change something else that was correct or just needed something simple changed that they make worse by putting it has been past due in the last year which is not accurate information. It's unfortunate that I have been dealing with this for months now and it is very frustrating and ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union Keeps trying to get me to pay for my annual credit report. If I try to get free annual credit report it keeps saying that an error occurred. I can't even view my disputes! This has been over a year!

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 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
I have been reporting to you previously that this Gregory Funding was involved in charges to my account. 

I want to report this time the possible fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. 

This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, Constable XXXX XXXX, constable XXXX XXXX, XXXX XXXX employees, Judge XXXX XXXX, XXXX XXXX Police Department and other involved from XXXX 

I presented report XXXX to XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited to the robbers finish with the robbery in XX/XX/XXXX in XXXX. 

I also reported this robbery on XX/XX/XXXX, when robbers stole my house and personal belongings. 

Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I had filed several disputes regarding My transactions involving XXXX accessories pl for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX for XXXX and XXXX XXXX and XXXX  card is refusing to provide me a provisional credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
To whom it may concern, upon the review of my credit report on XX/XX/XXXX I noticed the following organization Caine Weiner listed an entry on XX/XX/XXXX. I have never done business with this organization and would like to see this entry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: STERLING JEWELERS, INC.
State: AP

Complaint narrative:
I AM XXXX XXXX MILITARY CURRENTLY LIVING IN XXXX ON MILITARY ASSIGNMENT. WHILE CHECKING MY CREDIT ON XXXX XXXX, I NOTICED THAT STERLING JEWELERS AND XXXX XXXX XXXX   MADE A HARD CREDIT INQUIRY ON MY REPORT ON XX/XX/2019. I DID NOT AUTHORIZED SUCH INQUIRIES, AND I AM NOT SURE WHAT IS GOING ON. 
BELOW IS THE INFORMATION FROM THE COMPANIES : STERLING XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Certified Services, Inc.
State: IL

Complaint narrative:
I filed BANKRUPTCY back in XX/XX/XXXX and debt was discharged and I started getting negative notification on my credit report that Certified Services are still added negative and listing the discharge account on my credit report account status as NEW ACCOUNT, which impacting me improving my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Ok this debt was acquired by ms. XXXX XXXX phone, email address is XXXX she got a XXXX insurance policy without my notice months after we broke up we only dated for about 2 months her vehicle is a XXXX  XXXX XXXX XXXX but since she needed a XXXX on top of that insurance cards she decided to put my vehicle and my name without my consent now Caine and Webber have me in collections because of her fault which I think is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: AES/PHEAA
State: KY

Complaint narrative:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I can not wholly blame Global Lending for this adverse action I am filing. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Global Lending could resolve this complaint in a matter of minutes. I totaled my vehicle on XX/XX/2018. I had financed with this company. My insurance company lied to Global Lending and me. Before I went to the V.A. Hospital for an elongated stay after several months I was released I found out Global Lending had  charged my account off for non-pay. I was told to me my account had been paid off. Everything has been paid off now. However, your company is reporting a charged balance of XXXX XXXX dollars or more. This painful and regretful error is causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I fought for this country, and I protected my insurance company freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming Global Lending for this miscarriage of justice. However, I am bringing to their attention the lack of communication and not taking this dangerous situation as a priority and overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number.

Company response to consumer: Closed with explanation