vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: NY

Complaint narrative:
A fradulent credit account was opened in my name in XX/XX/XXXX by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The current amount listed on my Experian Credit report is {$1500.00} as of XX/XX/XXXX. A hard inquiry was also made and placed on my credit report on XX/XX/XXXX. I first contacted XXXX in XXXX when I received a XXXX credit alert about a new account. XXXX asked that I provide my social security number and I informed XXXX that this was not my account. XXXX said they would look into the situation and get back to me and they did not. I contacted XXXX again and they said I would have to dispute the account with the credit bureau reporting the account which is Experian. In XXXX I wrote and sent a certified letter to Experian stating that this was a fraudulent account and both the XXXX inquiry on XX/XX/XXXX and the account be verified or removed immediately. After 30 plus days, Experian sent me a letter and a credit report stating that the account had been verified which is incorrect and false. Experian refused to remove the account. My credit score has dropped from about XXXX to XXXX and this is preventing me from getting lower interest loans and credit cards. This is cost me about {$300.00} per month in interest.

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 2019-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
WE ARE TRAYING TO WORK WITH THEM BUT THEY ARE NOT WILLING TO WORK WITH OUS -- -WE HAVE BEEN SCAM BY A ATTERNEY MODAFICATION COMPANEY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had been banking with BBVA COMPASS ( now BBVA and no problems in the past, actually was extremely happy with them, when i opened my account everything was great and i CLEARLY opt out for the overdraft protection, time after i switched bank accounts, and left my checking account with bbva as a backup, with my confidence that is a free account and i OPTED OUT of the overdraft protection, now few weeks ago tried to log in and see my account and its on XXXX but i can not use it, and i called in customer service they said that my account is negative and no longer available, they transfer me to the recovery department they told me that i need to pay XXXX because my account was overdrawn for a long time, i tried to explain my situation and they dont help me at all, they told me that they can help me at the branch, so i went to the branch located in XXXX XXXX, Texas @ XXXX XXXX XXXX and the guy at the main desk ( XXXX ) offered no help at all, he mentioned right away that they can not do anything for me, i tried to explain him that it wasnt my fault, that i was not aware of the situation, a payment, which i switched before, went through, declined, and caused me that, but again, i opted out for the overdrawn protection and was not aware of this practice. So at this point i tried to ask for help for all the means ( phone, manager,  branch ) and BBVA offers me no help, and the only thing that i want is my Bbva checking account again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX, I called Citibank Online Support to link my wife 's CitiAdvantage card to our joint checking account to activate auto-pay and paperless billing, which I had already done with my CitiAdvantage card. I gave the young lady all the info requested. She said something about sending my wife a new card. I found this unusual but figured she knew what she was doing. Following the conversation I received an email confirming that my wife was added to my credit card account as an additional authorized user. I immediately called back and spoke to another individual which cancelled that action and connected me to someone else who immediately handled my original request, something she was not equipped to do. Today, XX/XX/XXXX, I called again to confirm that no cards were being sent to me. Before I could speak to someone I heard a recording saying a card was in the mail. When I finally reached a person again I asked about this and was told it was a replacement card in my name. I cancelled that and asked for a confirmation email, something I had neglected to do with my second phone call. I was told I would be receiving it shortly. As of this moment I have received nothing and fully expect to receive that replacement card in the mail.

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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I lost my job due to a severe illness preventing me to work. I have a loan with CarHop finance aka Universal Acceptance Corp. And we worked out payment plans and I have emails specifically stating from one person that the payment plans will bring me current and the remaining balance will be pushed back to the end of my loan. I then started to be harassed by another person who says I still owe that balance. She completely ignored the fact that someone else stated I would be current. I went back and forth with her in emails because I do not have a phone to call from at this time. So all of this is documented and she is falsely saying I agreed to make payment plans on the remaining balance when I did not. Before this she said I must pay XXXX dollars so they could push the remaining balance to the end. Although I did not want to, since I was told something different prior, I still did it so they would stop harassing me. They took the XXXX and now won't push it back to the end which of course will later involve a repossession which is wrong because I followed all the instructions given to me since this has happened to me. Please tell me what to do because they are notorious for being criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: PA

Complaint narrative:
Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent my granddaughter XXXX euros on XX/XX/XXXX. she's locked out of the account and can not retrieve the monies. the money sets in a locked account. no one will help and my granddaughter opened the account as a minor but gave false information, so, she doesn't remember any of it. 
XX/XX/XXXX I accidentally sent XXXX euros to my grandsons old account. there was no opportunity to reverse it. now i'm stuck with the same problem. he has no way to access the account. 
so paypal is sitting on XXXX euros and I can't have it back and they can't access it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Portfolio recovery is the name of the collection agency. the debt from this company has already been charged-off / written off and this collection agency keeps trying to collect on this time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-13 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:
The credit bureaus are reporting erroneous information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Investigation took more than 30 days
Company: Integrated Asset Recovery LLC
State: NY

Complaint narrative:
I have 2 accounts with XXXX XXXX and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
DCI ( diversified collections ) add a collection to my credit report in XX/XX/2019 in the amount of {$30.00}. For XXXX XXXX XXXX. 

Ive waited till now to see if they actually send me valid information via the mail as to this debt. An they have not sent me anything stating why I owe this. 

XXXX XXXX XXXX I contacted at & t personally and they have no record or account with them that has a debt balance of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CO

Complaint narrative:
I contacted TransUnion to notify them that they have scored me using old-outdated information. They had a ten year old bankruptcy listed on my record. Equifax had the same record the previous month but when they removed it, my scored jumped 88 points from a score of XXXX to XXXX. I contacted TransUnion to inform them of their mistake and they did remove the bankruptcy from my record. My issue is that even after removing a bankruptcy, my score XXXX with TransUnion did not change at all. How is it even possible that the removal of a very bad record such as a bankruptcy report did not change a credit report score at all???? 

I request that TransUnion recalculate my credit score rating taking in consideration that it no longer has a bankruptcy record. My credit score should be in the 800-850 range!

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted XXXX and Trans Union and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.

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 2019-08-13 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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 2019-08-13 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have 2 accounts with midland funding and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: ERC
State: WI

Complaint narrative:
I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a mortgage loan with my bank, and noticed that I have incorrect information on an Equifax credit report. I asked for my free report on line, but they requested several pieces to be submitted first, SS card, Utility bill, bill with my SS number on it, and some others to be mailed to them. This can take a long time to correct. 
In between my loan is not being processed. 
My data was breached by them, and now I am further punished by delaying my right to a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On my credit report, it shows that I owe Amex around {$2000.00} that I paid off over 2 weeks ago. This balance is skyrocketing my credit card utilization and impacting my score heavily. I am XXXX years old and last month was my first month in 2 years that I made a late payment due to my wifi being down for a week. Now my utilization is down to 97 %. This is HEAVILY affecting my credit score and diminished my chances of getting a house for my family. 

I have paid off the balance and have 2 very good cards with Amex and need them to pardon the late payment from last month since that will never happen again and they are ruining my score. My credit score used to be 700+ and this one error has brought me down to the 500s. Please fix this issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been diligently working with Kohls/CapOne to increase my Kohls credit card limit for the last 5 months. Each month I receive the same run around with them claiming they can not access my credit reports. They claim they are locked, have fraud alerts and so on. They have had me contact XXXX, XXXX and XXXX on multiple occasions. Each time I do, the credit bureaus inform me the problem is not on their end. Certified letters have changed hands and multiple supervisors/managers have been consulted. The credit department at Kohls has been anything but helpful. They always tell me it is not their fault and it's all computer generated. I have had enough of their run around. So today, XX/XX/2019 I call because I received another letter from them telling me to call to verify additional information so they could process my request. This letter comes a couple times a month and always results in me spending hours on the phone with countless people who have no idea or desire to do their job. Today was spent talking with XXXX and then her Manager XXXX in the credit department at Kohls. XXXX states he has been with Kohls for 13 years and has never seen anything like this before. XXXX could not seem to understand that XXXX shows that Kohls/CapOne obtained a full credit report on XX/XX/2019, some 11 days ago. XXXX did not see that in his system and XXXX was unwilling to accept that I was tell him the truth, despite my willingness to send him the screenshots from XXXX via email. XXXX is a XXXX who lacks passion for his job. XXXX is the reason I am finally escalating this issue to CFPB. Please help me force Kohls/CapOne to do their job and properly process my credit limit increase request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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 2019-08-13 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: TX

Complaint narrative:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

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