vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: Dana & Pariser Co.,L.P.A.
State: OH

Complaint narrative:
this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on XXXX   they are reporting my account as a mortgage loan that has been charged off, and on XXXX  its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: OH

Complaint narrative:
this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on experian they are reporting my account as a mortgage loan that has been charged off, and on XXXX its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2018 I placed an order for a make up product with XXXX XXXX advertised on TV. I called the following day XX/XX/2018 and cancelled the order. I was advised the order was being processed. I never received the product. Nonetheless, the following month in XXXX XXXX XXXX attempted to charge my card and it was disputed with my credit card explaining the order service was cancelled. XXXX XXXX continue to bill my card for months after requesting service to be cancelled. Now they are trying to collect {$200.00} after I cancelled the service and never received their product. They have transferred the account to Monterey Collections. I had block the merchant because they continued to bill my card after I had requested the service to be cancelled. Even after disputing the charges and advising XXXX XXXX to cancel service they continued to try charging my credit card. According to their advertising I can cancel service at anytime. 
I have explained the situation to Monterey collections and they have not investigated this matter. I have done everything in good faith to resolve this matter and seek assistance since I do not owe the amount in question. Finally XXXX XXXX is indicating a balance for {$140.00} and the collection agency is trying to collect {$200.00} in addition to the charges made to my credit card. I would imagine this is done too thousand of other people. I do not owe either amount. I have attached the charges made and disputed with my credit card, product order, and collection agency notice. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a account listed on my report for XXXX  XXXX for the amount of . I have advised Experian that this account isnt mine and disputed the incorrect account. Experian has verified this account as mine after I asked for validation of this collection that they are falsely reporting. I have never associated with this company. I will be forced to get my legal time involved if this matter isnt taken care of immediately.

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 2019-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I had a loan through Cardinal Financial and had sent a letter saying I wanted to recast the loan. They sent me a letter on XXXX XXXX with instructions on what to do ie. send the {$300000.00} and a {$300.00} dolllar non-refundable fee. I followed the instructions in the letter and was told that I would recieve the contract via XXXX and to sign it and send it back.I never recieved the package and on about the XXXX of XXXX I recieved a letter stateing that XXXX XXXX would be servicing my loan. After waiting some time I called XXXX XXXX and was told they did not do recasts and I would have to wait 6 months to refinance. I had a financial advisor that helped me with the original loan and she has made several attempts to settle the matter but Cardinal has stopped responding to her e-mails and calls. I feel this was dishonest since they took my {$300000.00} and did not recast the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
i had an a account with cig finnacial i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show XXXX repos which is not true

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have filed a complaint against Western Union.

Western Union Reference Number : XXXX I am trying to get a refund on {$3000.00}, however, no Western Union branch is willing to give the money. I went to 12 different locations including check cashing service, grocery stores. All locations denied to give out cash. 

I have sent an email to Western Union 's Executive resolution department but they are useless. I have sent an email to Western Union 's executives but to this day, nobody contacted me. I have emailed to many executives including company CEO, Mr. XXXX XXXX. 

I don't know how can Western Union stay in business when you can not even get {$3000.00}. What is the point of sending the money and paying {$75.00} for their useless service. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted experian to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized Experian, XXXX and XXXX refuse to investigate this abusive process claiming they must remain for two years.

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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I notified BB & T on XX/XX/XXXX of unauthorized charges and checks on my account. I advised BB & T that I had not used my account since XXXX of XXXX due to job change. Two checks were deposited into my checking account ( {$6000.00} and {$2500.00} ). I advised BB & T on XX/XX/XXXX that I did not deposit check or had no knowledge of checks being deposited. I advised BB & T on XX/XX/XXXX that charges on the account I did not authorize. I have faxed in police reports to BB & T and they confirmed they did not need anymore information and just to monitor my account. The account is no longer showing on my BB & T app but I received a call on XX/XX/XXXX from BB & T collections advising me that my claim was denied XX/XX/XXXX and that they are calling to collect payment. When I spoke with centralized collections BB & T advised me I did not dispute every charge on my account. I disputed all charges on account on XX/XX/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 2019-10-01 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Two fraudulent accounts were opened on my behalf. 

XXXX XXXX/XXXX - Opened XX/XX/2019 XXXX XXXX XXXX/XXXX - Opened 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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Prevalent DAILY Institutional XXXX has reared it's UGLY head once, again on it XXXX XXXX platform!!! XX/XX/19 {$2300.00} in the form a CASHIERS CHECK ( attached ) from the XXXX XXXX XXXX XXXX  XXXX XXXX that I purchased XX/XX/19 was deposited into my checking account. Was sent a insufficient fund notice on XX/XX/19 from B of A stating my account has insufficient funds, and that NONE of my transactions which ALL are/were mortgage payments were declined, and that I also have incurred NSF charges! 

No where on the attached deposit receipt does it state that my deposited funds were going to be held up until XX/XX/19, as stated on my account statement. In fact the deposit receipt cleary is stating that credit pending posts on XX/XX/19! 

Again, this is B of A laying down the XXXX  XXXX institutional XXXX that they, and the predatory lending institutions in this country are founded on ...

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 monetary relief
Consumer complaint received 2019-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted the following Bureaus Equifax and XXXX by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
Thank you for taking this dispute and providing a service to the community. 

I am complaining about Professional Bureau of Collections of Maryland. 

The bottom line is that I disputed the validity of a collection they are placing on my credit report on XX/XX/XXXX. It is for a XXXX  XXXX account. I know I don't owe them money so I asked for an itemization and other proof of debt. What I received was " validation of debt '' paperwork for a XXXX XXXX. I have no kin by the name of XXXX XXXX. This bill is not for me and Professional Bureau of Collections of Maryland as well as XXXX XXXX have failed to prove I have an obligation or a debt owed. 

My husband called the collection agency today and first was hung up on. He then called again and spoke to a manager named XXXX XXXX. The conversation took 30 minutes so I will emphasize the main points and the reason for my complaint. 

XXXX states the dispute was received XX/XX/XXXX. That is 55 days ago. 

Itemization or validity of debt was not provided in 30 days yet collection activities have continued. Furthermore, this account is still on my credit report even though the collector admitted the paperwork is for another individual. 

XXXX wanted more time to get paperwork on this account even though 55 days have passed since they received notification that this debt was disputed and proof of debt was required. 

After a heated conversation, XXXX stated she would e-mail her general manager to remove this from my credit report but refused to send me a letter or an e-mail or pretty much anything to prove she was taking that action. Because the proper steps to ensure validity of this debt have not been taken, and the heavy resistance to get her to comply with the F.D.C.P.A. was portrayed by her, I can no longer take her or her company 's word that the proper steps for the removal of this account will be taken either. Hence why I am filing this complaint. 

One thing I would like to point out. I do not owe this debt, but even if I did, because XXXX XXXX as well as Professional Bureau of Collections of Maryland didn't bill me properly or provide me with correct paperwork when required by law, and definitely not in a timely fashion, how can they claim that I even owe this money or that I was billed for this properly when I was an active client of XXXX  XXXX or that the proper collection procedures were taken for this purported account? At this point even if it was a legitimate account, their gross mishandling of this account would make it so XXXX XXXX as well as their collection agency is attempting to collect this with unclean hands. I demand this be removed from my credit report immediately and that this account be cancelled back to XXXX XXXX as not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
I missed a phone call from Sallie Mae. Instead of them calling my co-signer they called two family members whose phone number I never provided. My account manager admitted she went through a third party find people connected to me to contact. She told the family members she was calling from Sallie Mae. I never expressed any permission for Sallie Mae to these phone numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2019-10-02 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have sent numerous letters stating I want to see validation of this debt and they refuse to answer. I sent my last letter saying if they can not properly show me documentation validating the debt is mine then I want it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have a debt through this company in the amount of {$770.00} from XXXX XXXX   from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Lexington Consumer Advocacy, LLC
State: NY

Complaint narrative:
Somebody been using my name. Don't know who it is. Don't know who to go to stop this from happening.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NV

Complaint narrative:
I have received no communications on this debt. by phone or by mail. I can not even confirm what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To whom it may concern at Loancare : This is to correct an error made on your behalf per error resolution notice under 12C.F.R. *1024.35 I am writing to request that your correct the error described below in regard to the mortgage on my property at : address Payment Errors : OnXX/XX/2019 you withdrew by auto draft the amount of {$5000.00} ( this was done after our loan was paid off ) We contacted you on XX/XX/2019, we were told that we would be able to get a refund once we submitted you proof that the payment was made. You confirmed the loan was paid off and we also have proof from XXXX XXXX that you received the wire for the full pay off on XX/XX/2019. 
We emailed you again and attempted a call when we did not receive a confirmation with the requested ticket number on XX/XX/19, We were then advised that a check was to mailed to us on XX/XX/2019 We followed up and were told the check had not gone out. We then again called on XX/XX/2019 and were told that the request wasnt processed correctly. The customer service representative told us that they would request a call from the resolution desk but there was no one we could call. Later that day they called us ( this was a Friday ) We were told that there was nothing more that could be done until Monday. 
We have received communication again that the check will be sent out on XX/XX/2019. We are not confident of this as we have been told a check was going out a week earlier. 
It is essential, ethical and compulsory that you refund us the money that you took without a bonified need. Not only did you withdraw the payment for the loan balance was, but an additional {$3000.00}. 
You withdrew these funds After you received the complete pay off. We have no choice but to notify the Consumer Finance Protection Bureau of these mob-like practices. 
Return our funds, or we will pursue damages to the fullest extent allowed. We were put into a financial hardship by no fault of our own and will seek restitution if not handled immediately.

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 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been banking with Chase for a few months now. During these few months Ive lost my debit card twice an unauthorized transactions on my card From XXXX XXXX XXXX  XXXX   in the amount of {$1700.00}. Chase notified me that my account has been closed, and that I can go to a branch to withdraw my remaining balance that I had available. I went into the branch and they advised me that they spoke with chase claims to get the OK to withdraw the funds, they then advised me that they are unable to give me my funds that I had available in my account because the claim I made with XXXX XXXX XXXX  XXXX   was still open. Today is the first and because Im unable to take my funds off, Im unable to pay my rent because chase will not give me my remaining balance after my account was closed. If this was the case, my account should still be open, and I should still be able to use my debit card.

Company response to consumer: Closed with explanation