vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. Experian shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXX Shows XX/XX/XXXX. Experian shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

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 2019-03-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ALL inquires listed below are fraudulent! i never applied nor do i have credit card with those creditors! 
i spoke with the creditors back in XX/XX/XXXX and they said it will be removed, its been 4 months and its still on my report ( Experian ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/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 2019-03-05 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: Ascendium Education Group
State: CA

Complaint narrative:
I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP
State: WV

Complaint narrative:
Received a new credit card that I did not request. I received the card on XX/XX/2019. The card was sent from Keybank Card Ops - XXXX XXXX XXXX, XXXX, Ohio, XXXX. On XX/XX/2019 I sent Key Bank an email asking why I received the card. They responded by requesting account information that I did not supply. I am concerned that this is a scam since I did not request the card. I sent a follow-up email on XX/XX/2019 stating that their bank sent me a credit card that I did not request. Isn't that against the law? I received a call from " the bank '' on XX/XX/2019. I was not at home. They left a message. On XX/XX/2019 I called the bank and spoke to a representative. Of course that requested my account info. I refused. Asked if they could look up my account utilizing my full name and address. She said they could not ... which I find hard to believe. I would just like to know why they sent me the card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: LA

Complaint narrative:
I disputed an account with Equifax, they failed to provide the method of verification. I have proof they did not perform a proper investigation to verify the inaccurate items on my report. They clearly stated they verified the information with a third party vendor and they are suppose to verify with the original creditor. The third party vendor has sent documentation showing a security freeze on my information that have with them months prior to the date of the dispute. They have completely ignored my request to verify these items on my report and refuse to removed the damaging unverified inaccurate items from my report. Please help me. Im not sure of what else I need to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a complaint on XX/XX/2019 report # XXXX, Trans Union removed the fraudulent accounts. But, kept all of the inquires from those accounts. I would like them removed : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them nor have I applied for credit or services with them. They did a great job of removing the account. But, please remove all history of them. I am trying to purchase a home and these inquires are showing on my credit file. 

In addition I asked that the Fraud alert be removed from my credit file, so I can secure funding for the purchase of my home. These alerts on my credit, generate a automatic decline for some of the lenders that offer the best interest rates.

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 2019-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I am filing a complaint for Flagstar Bank opening account without my consent, restrict my access to my own account and illegally hold my fund. Here are what happened. 

1 I opened a saving account ( account number ending with XXXX ) with XXXX XXXX when I was living in XXXX  in XXXX. 
2 Flagstar bank purchased that XXXX XXXX branches in XXXX. 
3 I was out of the country in XXXX and didnt see any notice they mailed to me. 
4 Flagstar opened an account for me to take the funds from XXXX XXXX without my consent. 
5 I relocated from XXXX to XXXX at the end of XXXX. Lots of XXXX XXXX branches here but the nearest Flagstar branch is ~500 miles away. 
6 I am trying to get access to my account at Flagstar but their system asks for account number, which I dont have. 
7 I contacted them multiple times, I was told it is their policy not to disclose the account number through the phone, even after verify my SSN, name, address and Date of birth. 
8 I was also told I could get my account number though online banking but in order to login my online account I will have to provide the account number. ( screenshot attached ) 9 I contacted branch ( phone # XXXX ) where my account locates in order to close my account. I was told I will have to either go into the branch ( hundreds miles away from me ) or send them written request with my account number ( again, I dont have ) and notarized signature. I was also told by the customer service that I will be responsible for all those costs ( time, driving, notary etc ) by myself. 
10 Meanwhile, they are putting $ XXXX/month service charge ( statement attached ) to my account that I didnt give consent to open, I dont have access to and I couldnt even find an easy way to close.

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 2019-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I just did a Refi on my home, my escrow balance was {$240.00} in XX/XX/XXXX, and an payment of {$50.00} in XX/XX/XXXX, for a total balance of {$290.00}, prior to the closing of the Refi ( XX/XX/XXXX ), The Escrow was NOT merged into the new loan as they charged me {$440.00} for the escrow on the XXXX, I called them today and they said that a payment of {$170.00} was made and the balance of {$67.00} is to be returned to me, My question is where did that {$170.00} go and where is the {$50.00} which was paid on XX/XX/XXXX for a total of {$220.00} missing, My Home owners Insurance is not due until XX/XX/XXXX, and I am a XXXX  % XXXX Service Connected Veteran, i am Exempt from Property Taxes, when I called an XXXX XXXX said that i would have to contact loan servicing by email, at Shell Point ( XXXX ) as they do not have any telephone numbers.. 
this company use to be XXXX then my loan servicing changed to XXXX and now is Shell point to me this sounds fishy like a shell game to avoid laws and or taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to DISPUTE the balance of this loan. I am asking that i get the original signed contract to VALIDATE this loan is actually mine. I do not agree with the balance listed after repossession.

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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX  or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.

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 2019-03-05 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: OH

Complaint narrative:
TransUnion is reporting a Bankruptcy on my report and keeps verifying that XXXX is reporting it to them. I have a letter from XXXX that states they deleted the Bankruptcy report from my Consumer report and they are not reporting it to TransUnion. I also have a letter from the Bankruptcy Court who also says they are not reporting a Bankruptcy to TransUnion. On TransUnion website they claim all Bankruptcy before XX/XX/2018 are verified through XXXX and as I said before XXXX has no Bankruptcy reporting on me.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SunTrust XXXX XXXX - Please kindly accept this as formal notice, requesting the termination and closing of Account ( s ), resulting from SunTrust Mortgage , Inc. failure to repay its Funder sums owed rendering a default upon Account. The undersigned have no obligations or liabilities owing to SunTrust Bank, or SunTrust XXXX XXXX, therefore it is understood, SunTrust XXXX XXXX will return to the undersigned, by transfer, securities and property in Account ( s )  and will no longer accept orders for the transactions after receipt of this notice of termination requesting the closing of any and all Accounts. These accounts would include securities and property recorded upon the XXXX XXXX County Registry and identified as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Carolina XXXX and XXXX XXXX ( fka XXXX ) XXXX XXXX XXXX XXXX, North Carolina 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 2019-03-05 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I went to TJ Maxx with my sister on XX/XX/18 at the XXXX, Alabama locaction.As we were checking out our merchandise the attendant asked would we like a rewards card.She never explained that it was a credit card or anything else about the card.She was actually being rude because instead of explaining the card to us she told ne to fill out some info the pin/card machine and sge started talking to another woman about something that happened earlier that day and she focused her full attention in her for 5 minutes when she should have been helping us.I ended up with a hard inquiry from Synchrony / TJX Company that I wouldn't have agrred to in the first place had I known it was a credit card instead of the rewards which is the term they use.I feel its away if tricking customers into signing up for something which they know little about.Any other store that uses the term REWARDS CARD in the area is talking about the cards that send you gift cards in the mail after you purchase a certain amout from the store.And to make things worse after she did focus her attention back to us she says " Well it wont drop your score but a few point '' Thats XXXX   and Im tired of being XXXX  around by people..

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was switching my checking account from XXXX Bank to XXXX XXXX Bank. I had an existing autopay agreement for my Capital One credit card which was setup with my XXXX Bank checking account. I updated the autopay information with my new XXXX XXXX XXXX account. I waited to close my XXXX Bank account until the first autpay was completed successfully on my new XXXX XXXX account which occurred on XX/XX/2017. The next month Capital One processed the autopay from my old XXXX Bank account which had been closed, therefore resulting in a late payment. The next month they didn't process the automatic payment at all which is when I noticed the problem. I contacted Capital One immediately to process a payment to bring the account current and make sure that I was not going to be responsible for a late payment on my credit report. The representative fixed the automatic payment issue and assured me that because this late payment happened as a result of an error with their system that it would not show a late payment on my credit report. After checking my credit I noticed that it was indeed reporting a late payment as a result of this situation. I have contacted Capital One multiple times in an attempt to fix this issue with no cooperation on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
XXXX XXXX has been reporting a fraudulent account XXXX XXXX  in my name that I have already disputed as fraud and identity theft.

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 2019-03-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
IT SHOW THAT MY NAME IS XXXX XXXX MY CORECT NAME IS XXXX XXXX XXXX PLEASE DELETE XXXX XXXX FROM MY PROFILE THANK YOU I am requesting that the item be deleted Enclosed are copies of MY ID XXXX XXXX   XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL 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 2019-03-05 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: AES/PHEAA
State: ID

Complaint narrative:
my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was in contact with a person who was selling me XXXX tickets. I sent him a payment of {$140.00} on XX/XX/2019, and once it was sent to him, he blocked me from all sources. I immediately called PayPal to stop the payment as it had not gone through, but they refused to help me. So I called the bank to stop the payment. PayPal said they paid for me, so now I have owed them money. They never contacted me asking or even signed up for them to pay on my behalf. could you please help me. The person did not receive the Money till XX/XX/XXXX but my XXXX XXXX  stopped the payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 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: NJ

Complaint narrative:
I have a written agreement with Portfolio Services if I made a payment on an account t I had with XXXX XXXX they would delete it from my credit profile. On XX/XX/2019, I paid a settlement in the amount {$690.00} through my bank to Portfolio recovery services. My bank mailed the payment to the original creditor ( XXXX XXXX ) who has held my payment for over a month. I have conference called my bank, portfolio, and XXXX XXXX everyday for the past month. I have spoken to the vice president ( XXXX XXXX ) regarding the account. After XXXX XXXX confirmed that they had my payment and informed me that Portfolio Recovery Services knew what actions had to be taken to receive payment and post on my account nothing has been done. I am continually calling this agency and they have not kept up with their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.

Company response to consumer: Closed with explanation