vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX medical collection are reporting under my equifax credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through equifax but they have not been able to help me as always never helpful. i have medical and medicare i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is fraudulently reporting 3 separate alleged debts on my credit report as being a Factoring Company Account which they are not. I have never entered into relationship or agreement with Midland Credit Management at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and Texas state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Midland Credit Management is a covered person and a debt collector and is subject to FDCPA. By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud in an attempt to skirt FDCPA and FCRA laws. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was with chase card service since 1992 everytime i turn around they jack up my intrest rate.they claim it's the government doing it by law. I notice when my bill gets lower the intrest rate go up.from 1992 i suppose to have a fix rate.then went from 11. % to 14 % .call company may be 6 times over the years and they claim that im a value customer and will keep me in mind.but never lower it.so im paying high intrest fee on the money.so the last 2 years im just paying and not using the card but its a way to keep me in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I was granted a loan modifiation. The stipulations was that if I missed no more than 3 payments in 5 years, then I will have {$5000.00} of the loan balance forgiven. I have never missed or was late on a payment! In the fall of XXXX, my loan servicing was transferred to Greentree, now known as XXXX. In XXXX XXXX, I noticed an error in my escrow account. I ask them to fix it. This let to a living nightmare!. They redid my escrow 3 times in 4 months with mounting errors and problems. ( Enclosed ). In XXXX, XXXX, I paid what I thought was the correct amount. This company cashed my check, but did not notify me of any errors. On XXXX, XXXX, I paid the same amount. This company, without my permission, took part if this payment and applied it to the XXXX payment. I did NOT get any com. From them Then, I sent them 3 checks, one to cover the remainder of XXXX and one to cover XXXX and another to cover escrow. Then, This company this 3 things. 1. Reported to the credit bureau that I was 3 months behind, 2. Denied my loan reduction. And 3, denied my request to pay my own taxes. I want this company to 1. Fix my credit report to report the truth. My report does not even show a reason for the 2nd month. They were being vindictive. And 2. grant my loan reduction. Oh, by the way, they are transferring my account, but they made this error and they should fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Collection Consultants of California
State: CA

Complaint narrative:
three medical collection are reporting under my XXXX credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through XXXX  but they have not been able to help me as always never helpful. i have medical and XXXX i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA  and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: MI

Complaint narrative:
XXXX and Experian show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with XXXX XXXX. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, Experian and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and XXXX XXXX not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score.  Please immediately delete these accounts.

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 2019-05-30 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on XXXX   and XXXX as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act.

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX  and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2018 we contacted XXXX requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. XXXX one months later charged interest to the account, we have no knowledge of the interest charge an employee of the XXXX  should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. XXXX should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested XXXX  to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on three occasions twice though Experian and once direct with them and their response has not helped at all.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I logged on to Experian to dispute a collection on my report. Upon logging in, I checked my alerts and I noticed that there was a personal message ( which I did not type ) which stated : " A fraud alert has been placed on your EXPERIAN Credit Report. 
A fraud alert notifies potential lenders who view your credit report to verify your identity before granting new/additional credit. 
Alert Details : Alert Date : XX/XX/2019 Source : EXPERIAN Consumer Statement : XXXX & XXXX-19 XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XXXX-19. Is anything incorrect? Visit Dispute Center '' Upon visiting the dispute center, it does not allow me to dispute anything and tells me to call Experian. I called and spoke with XXXX, who was extremely impatient, disregarded my crisis, told me to upload some documents. I asked him to stay on the phone for which he had an issue and as I predicted, the upload failed as soon as he hung up. Online uploading shutdown and I was notified on screen to call another number. That number was just voice recording and i was told I have to do a mail in. I am trying to get a car-my partner is XXXX and we need to be able to be mobile for his doctor visits, prescriptions and in case of emergencies. 

I am completely shut off from my own credit report and the dispute process and the timing couldn't be worse. Who gave them the authority? I want to know who made this decision and why and how come no one informed 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 2019-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX account with Equifax and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Equifax states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CA

Complaint narrative:
I open an account with XXXX XXXX on XX/XX/XXXX promotion ended XX/XX/XXXX. I called 6 months prior asking about the end date of the promotion and was told that I have another year to pay off the balance. When I checked my account on XX/XX/XXXX and noticed a interest finance charge for the amount of {$1700.00}. I've spoken to XXXX XXXX/commenity bank and was told even when I first opened my account that the payment structure is an amortized payment. After speaking today XX/XX/XXXX XXXX a supervisor he advised the information given to me was incorrect and that I should have reviewed my statement and I can never just go off of what a employee provides to me. I think that sounds ridiculous but I digress. Please remove the charge and I will pay the balance in full. I'm currently going through a housing purchase ( in escrow ) and this could affect my eligibility. If I knew that charge was coming I would have paid off the balance. I can provide proof of funds to prove this statement as well. 

Please consider

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX  account with Experian and demanded a deletion because they are reporting a past due balance on a collection account. They are also reporting an inaccurate open date. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Experian states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Checked my XXXX  credit report and found that Credence Resource Management had flagged my account on XX/XX/19 for collections, saying I owe {$530.00} from XXXX. I have never received any documentation from either company, account was paid when the number was ported out to another company and all devices either paid in full or not purchesd from the company. I also have tried to send a certified validation of debt letter to Credence via the address provided on my credit report as well as XXXX when I search the company name and United States Postal Service informed me that the address does not exist. So now I have no way to formally contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX account with Transunion and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Transunion states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

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 2019-05-30 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: MI

Complaint narrative:
On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on Equifax and XXXX  as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. 

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX attempted to us our Bank Of America/Visa Credit Card only to find out the card was closed. The card is seldom used and is payed on time every month by phone. We contacted the company and was informed that due to the Patriot Act they need follow up information ( employment and citizen Info ) and that they had been trying to reach us by phone and mail. We have not received any mailed correspondence and when we inquired about the phone calls, they informed us it was an automated machine that would not leave a message ( which I thought in its own right to be illegal ) .We also had contacted them every month, since XXXX when they claimed to have been trying to contact us, via phone to pay our bill without once having been informed that they need information for the card. The company then stated they closed the account/card because they did not have the information and when we wished to have the account re-opened they would not give us the same interest rate. ( 6 % ). We have been customers with this company since XXXX. We do not use the card often and feel that the account was closed due to the unusual low interest rate.

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 2019-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2019 I received a payment in the amount of {$590.00} into my PayPal account. On XX/XX/2019 I received another payment for {$12.00} and the final payment of {$290.00} on XX/XX/2019. 

I made several attempts to withdraw the funds from Paypal to my bank account and all the transfers were denied. Paypal requested copies of documents verifying my identity. 

On XX/XX/2019, I provided a copy of my drivers license, phone bill showing my current address, and a pay stub showing my current address and my social security number. 

On XX/XX/2019, I received an email from Paypal advising that my appeal had been denied and that they were holding my funds for 180 days with no explanation. They offered me the option to refund the money to my " buyer '' and explained how to process this refund in the email. When I logged into my PayPal account, there was no option to refund the money and no other information explaining the reason for this unjustified hold. 

I spoke with a PayPal representative on XX/XX/2019 who advised that she could not provide me with any information for the reason for the hold, and there was no way to have my funds returned to me. I advised that I would be filing complaints with the regulatory agencies governing PayPal as this hold is unjustified and untenable. I do not sell services or products online, I do not have any chargebacks or negative feedback, I do not owe monies to Paypal, and I did not receive the payments as a result of a product sold. 

They advised that I could not speak with a supervisor and that this hold and account closure were final. 

On XX/XX/2019, I sent an email to Paypal 's executive team and the appeals department advising that if my funds were not disbursed to me by XX/XX/2019, I would be filing a complaint with all applicable regulatory agencies and I offered them the ability to cure of which my emails were not responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE 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 explanation