vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX denied credit card application via letter due to " The credit report shows a bankruptcy ''. Company advised consumer that XXXX  was the credit reporting agency who provided the credit report. 
XX/XX/XXXX Denial letter received by consumer. 
XX/XX/XXXX I pulled my Equifax credit report. THERE IS NO BANKRUPTCY LISTED. I do however have 20 years of credit history, 32 open accounts all in good standing or paid in full, an 8 % debit to credit ratio for revolving credit, one small XXXX XXXX dollar medical collection from XXXX that was disputed and a XXXX FICO score. 

Company appears to be using fraudalent data in order to deny 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 2018-04-08 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: Early Warning Services, LLC
State: FL

Complaint narrative:
early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
This Short Sale has been in process for over a year and has been delayed by OCWEN, not I, XXXX XXXX XXXX. 

I have put a tremendous effort in order to complete this Short Sale and am determined to complete it and leave on my own volition since it has been my family home for over 50 years. 

I have attached the new contract with the existing cash sale for over a year and the corrected Settlement Statement in order to expedite this Short Sale in 30 days or less. 

Please note OCWEN keeps putting off the Sale for only XXXX XXXX on the Settlement Statement and before that an " e '' was missing from the word Street on the physical address. 

Please help us reach a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place

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 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX 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 2018-04-08 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 submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.

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 2018-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: WY

Complaint narrative:
The Debt Collector served me and I am now in the process of defending myself in the XXXX XXXX XXXX XXXX. The first contact I received was through the process service. Since then I have requested documentation and they have not provided and are now filed a motion for Judgement. 

I was not afforded the opportunity to request debt validation nor did I receive any outreach whatsoever in regards to the alleged debt.

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 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements

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 2018-04-09 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
JP Morgan Chase Bank, NA ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. JP Morgan Chase ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. XXXX XXXX XXXX ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.

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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
vanderbuilt mortgage XXXX tn I draw XXXX and have had a lot of things go wrong and health iiesuse got behind on mortgage I filed for a modafcation on my loan got a letter saying they were working on it then got foreclosure papers and then a court summons there the rudest people I ever had to deal with there just mean ... ..and they say I owe more then I do thehvetold me they would huemilate me by the add in the news paper every one will know ... ... .the co borrow is out of work due to a injury

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 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX : A home equity loan was taken out on our home of XXXX XXXX XXXX XXXX XXXX XXXX. This was a Debt / CNSOLATION Loan. We made payments of {$100.00} per month until XX/XX/XXXX. 

XX/XX/XXXX : The house went into Foreclosure with Sheriff sale. We had moved off property on XX/XX/XXXX. 

XX/XX/XXXX : Five years later. On our current credit report Bank of America is still billing us late fees on the home equity loan even though it has been 5 yrs since foreclosure. 

Our credit rating is low due to this late payment billing. Bank of America has not sent any billing statements and did not turn us in to collections for this home equity loan. 

We were told that the home equity loan goes into foreclosure along with the property. 

I have the Uniform Residential Application and a copy of the Truth in Lending Disclosure statement. 

Bank of America in XXXX XXXX Mi does not return our calls, and no staff follows through when we call the Bank. They hire new employees every week and we start the complaint process all over again. No one takes respondsabilty. 

Is there a state law that can help? How long will we get late fee payments on this XXXX home equity loan on this property? It all ready has been 5 years. 

Bank of America cancelled 3 short sales on the property and we lost this house.

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 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.

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 2018-04-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Credit card is paid please update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is not helping me and I have tried calling them more than 20 times to clear the charge which is in collections and is reflecting on my credit report for the amount of {$300.00}. 
Name of the company which reflects in collections is not my account and has been opened using my person information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have checking account with XXXX XXXX XXXX, in XX/XX/XXXX & XX/XX/2017 there were few ACH debit transactions which I disputed because I did not authorize those transactions. Those banks which did debit I dont have account with them & when I contacted them they told me that they dont see any account under my name, so they recommended me that I need to file dispute with my XXXX XXXX XXXX which I did.

Capital One refunded money on my account but its been more than 3 months they put a hold my account & I cant access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
While reviewing my credit report I noticed an account from XXXX XXXX so A letter dated XX/XX/2018 was sent to XXXX XXXX specifically stating and asking for validation of the debt via Certified mail. XXXX funding did not validate the debt that was asked and only sent a letter with a current balance that's due and an address for the original creditor, but did not validate as was asked in the letter. Attached is the letter that was sent via Certified mail and the agency 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXat XXXX XXXX  I contacted Pro Collect Inc concerning a debt that reports on my my credit report from XXXX XXXX XXXX. I asked for proof of the debt and I was sent a ledger from Pro Collect. I did not receive a copy of a lease or proof that they were trying to collect a valid amount. They did not send anything with my signature on it to prove that i had a valid debt or contract from XXXX XXXX XXXX. They informed that they sent letters that was never received concerning this account. The ledger is not a signed document to prove that this is my debt nor does it show the valid amounts according to any lease agreement that binds me to this debt. This situation has been going on for over a month and I have still haven't received any follow. The letter that accompanied the ledger stated that their client the OC contends that this is a true and valid debt. This being on my credit report is not only messing up my credit but it is preventing me from receiving credit from potential lenders. I need this information removed from my credit report because it violates my rights and it doesn't show any validity of any debt or any correct amounts. How could I owe {$790.00} For rent, {$670.00} for reletting fees, {$790.00} for termination fees, {$740.00} for damages like trash, cleaning, misc., paint and locks plus rent in the amount of {$790.00} for each month from XX/XX/XXXX to XX/XX/XXXX that's almost {$2400.00} and late fees of {$450.00} totalling {$5800.00} with No such proof. How could I move out in XX/XX/XXXXand owe all of this money before I even moved. Not my debt and this debt is not valid. I am demanding that it be removed because my rights are being violated and demanding a contract with my signature that says I agreed to pay this or a agreement with my valid signature.

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 2018-04-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax failed to complete a reasonable re-investigation of my dispute before the end of the 30-day period beginning on XX/XX/XXXX, the date my dispute was filed with Equifax.

Equifax failed to comply with 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5-business-day period beginning XX/XX/XXXX, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX, the furnisher of the disputed information. As a consequence of Equifax 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until Equifax reports my dispute to XXXX XXXX XXXX XXXX. Equifax failed to delete the inaccurate, unverified, and disputed information from the credit file before the end of the 30-day period beginning on XX/XX/XXXX, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's failure to delete the disputed information from the credit file is in willful and negligent noncompliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's re-investigation of my dispute was unreasonable. Equifax persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX   account. Additionally, Equifax, in willful noncompliance with 15 U.S. Code 1681i ( b ), is reporting an alleged Statement of Dispute for the XXXX XXXX XXXX XXXX account attributed to me. I did not file such Statement of Dispute with Equifax and did not authorize anyone to file such Statement of Dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I had attempted to purchase a XXXX XXXX XXXX   from a web site. I provided the merchant with my Capital One credit card and the charge appeared as a XXXX charge XXXX for {$99.00} After the item did not arrive for two weeks, I decided to track the package using the link provided by the merchant. I found out that the merchant had requested the package back, after it bounced to multiple destinations for 2 weeks. None of the destinations was my address, and I never received the package I e-mailed the merchant about this and notified that I never received the item. The merchant promised to reimburse me in full for the item in writing. I did some research on this merchant, and I found a web-site dedicated to scammer on the internet where I found people writing about purchasing from the same merchant and never receiving the item, and merchant just charging the credit card.

I never got reimbursed, so when I called Capital One in XX/XX/XXXXand spoke with a representative, I was transferred to the fraud department to tell whole story. Capital One had opened a fraud claim about this.

As a result, I got a reimbursement by Capital One for {$99.00}.

After few weeks, Capital One charged me {$99.00} again for this item. I called the fraud department again. The representative explained that the merchant provided them with an on-line confirmation about the purchase. They had advised to access the claim online and upload all correspondence between the merchant and myself, including the e-mail confirming the merchant promising to return the money.

I followed all the instructions and uploaded all documents Capital One went ahead and reimbursed me {$99.00} in XX/XX/XXXX.

In 2 weeks, however, Capital One placed {$99.00} charge again.

I called again ( around XX/XX/XXXX ), and spoke with a customer representative regarding this. He had explained to me that he will create another claim. He informed me that the previous claim was incorrectly created as a fraud claim, and that the fraud department concluded that it was not fraud in the end.

He had explained to me that the new {$99.00} charge does not need to be paid and new documents would be sent to my mailing address to dispute the latest {$99.00} charge.

After 6 months of going back and forth, I learned that the charge is still there, with a an additional interest charges and a {$25.00} fee for a late payment. I never received any documents to be filled out about the new claim.

Company response to consumer: Closed with monetary relief