vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: DC

Complaint narrative:
I have decided to escalate this matter to the Consumer Financial Protection Bureau due to the fact XXXX XXXX has failed to update the records related to a past due account that was charged off in XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The account was paid in full ( {$590.00} ) on XX/XX/XXXX to the collection agency handling the account ( XXXX XXXX ). Despite my payment in full, XXXX XXXX XXXX has not updated the status of this account on my Experian report ( but has on all other credit bureaus ) to a current/paid status. Furthermore, they placed this account in charge off status on multiple occasions, including more recently in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes is being reported as if I continue to miss payments or I am not fully paid on this closed account. I have tried numerous attempts to dispute the current status of this account to no avail with Experian and XXXX. I am in the process of purchasing a home and this item is affecting my credit score. I notified XXXX that my dispute is related to how the account is being marked as charged off, when it should be currently marked as paid/current. I provided additional documentation regarding the payment and the dismissal of this matter which was escalated to the courts of the District of Columbia. Correcting this item is proving to be an extremely frustrating task as I continue to be passed around in circles. Please let me know what additional information you need to correctly update these records immediately to reflect the current account status. Please feel free to give me a call with any questions or concerns.

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 2018-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone utilizing an address in New Hampshire utilized my name and social security number to open a credit card account with Bank of America,  in the credit amount of {$7500.00}. I have never lived in NH and did not open this account. Being that items were charged to the account, and never paid, this began to affect my credit. I obtained a credit report and found this unauthorized account. In XX/XX/2018, I contacted Bank of America directly, specifically the fraud division, and explained everything. I was assured everything would be taken care of. By XX/XX/XXXX, I found out this was still appearing on my credit report. I filed disputes with all three credit reporting agencies. The results of the dispute came back on XX/XX/2018 that Bank of America declined the dispute and allegedly found this to be a proper verified account. It is NOT a valid account. I never applied for this and never resided in NH, and this is now negatively affecting 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 non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services is reporting inaccurate information due to the OPM Breach in XX/XX/2015. I have submitted the documentation to the agency. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
On XX/XX/XXXX I ordered merchandise on my XXXX XXXX   credit card for {$240.00}. I have recently moved and changed my address on this account, but my old address came up as the default address and the merchandise was sent to my old address. 
Once I realized ( within 2 days ) that the package had been delivered to the wrong address, I notified XXXX, but they claim that I am still responsible for the full amount of the purchase even though I did not receive it. 
As soon as I discovered the mistake, I went to my old address to check on the package. It was not there, the apartment is vacant and my old neighbors did not see a package. 
I have been corresponding with XXXX since then, only to have them consistantly tell me that they will not refund my money and expect me to pay the full amount. 
I did make a payment today of {$60.00}, which now includes a late payment, but do not believe that I should be responsible for merchandise I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I  spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX  should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
all three credit company refused to put the right credit score on my paperwork i think i am a victim of my information being used in the wrong way i have no funds save up yet but i feel that i still need to know my real credit score my rights as a cardholder is not being handle right by all three credit company i think they should look at a little closer thank you XXXX XXXX XXXX XXXX XX/XX/2018

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
As of XX/XX/XXXX, my equity position is greater than 22 %. 

My Mortgage Lender, Ocwen Loan Servicing LLC, has not released me from PMI, despite an XX/XX/XXXX written request for : a ) immediate termination of PMI, and b ) refund of PMI fees incurred since XX/XX/XXXX. 

In response to my letter of XX/XX/XXXX, Ocwen sent me a letter stating that PMI is " scheduled to auto termination ... on XX/XX/XXXX. '' Please note that per the amortization schedule ( provided by Ocwen ) PMI is scheduled to auto terminate on XX/XX/XXXX. However, I have purposefully overpaid my principle for the express purpose of PMI release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Two accounts on my report were determined invalid previously in the amount of {$310.00} and {$310.00}. They have been reinserted illegally without written or any form of notice.

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 2018-08-20 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: GA

Complaint narrative:
EQUIFAX is blatantly breaking the FCRA laws ... they refuse to investigate these fraudulent accounts properly, they previously responded to a previous complaint to the CFPB that these items were deleted from my credit file, yet when I pulled my latest report these items are still reporting ... ..every agent at the company lies, they told me point blank that they don't have to follow the same guidelines as the other 2 bureaus, my credit reports were with XXXX  and XXXX are reading as they should, my scores with those 2 bureaus are XXXX and XXXX respectfully, but EQUIFAX is reporting these fraudulent accounts that they responded were deleted and my score is a miserable XXXX, they are ruining my financial life and I am planning on suing for every penny that I can get from them ... ..they are the WORST!!!!! and I am attaching their previous response which is nothing but LIES!!! I am not going AWAY!! I will pursue this til the END!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
To Whom It May Concern- I am victim of IDENTITY THEFT.

As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL.

This is one of MANY accounts that was obtained as result of such.

Ive provided documents of such, that being, my POLICE REPORT & VICTIM ADVOCACY documents.

Ive contacted both the CREDITOR, that being, ALLY FINANCIAL and ALL CREDIT BUREAUS advising that this is not my debt.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

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 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
This was my Aunt 's bank account. My mother was her guardian until my mom passed in XX/XX/XXXX. I applied for guardianship of my Aunt after learning mom had passed.I live in a different state. However, while in court vying to become her guardian, her account was being emptied out by her temporary guardians. Written on the withdrawal slips were the words per court order. Also, my Aunt 's name was misspelled on 3 different occasions.Someone filled out the withdrawal slip using her name. This makes the Bank so negligent, as my Aunt didn't have Id, as she could n't drive & was in a XXXX. If, my Aunt could do banking, why did she need a court ordered guardian? These people did have temporary guardianship over her person only. They did not get full guardianship untilXX/XX/XXXX. However, the money was being taken from the date XX/XX/XXXX. Regardless they never had court approval for this bank account. The bank didn't even ask for a copy of the court order. It states they have a budget from the Court blocked account ; which is a different bank. No one even knew she had an account at this bank until she died in XX/XX/XXXX. I discovered it, when I became the Administrator of her account. I filed a complaint with the bank & also spoke to their Security Dept ( XXXX XXXX on XX/XX/XXXX ). The Bank is in violation of the bank secrecy act, and still did nothing, but swept it under the rug. The money was being withdrawn while they were being investigated by the court. Also, I had closed the PO BOX in XX/XX/XXXX, as it was in my mother 's name. The bank didn't even bother to check the address on the account.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.

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 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I submitted a letter to XXXX to ask them to explain why XX/XX/XXXXpayment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also XXXX  is reporting a 90 day late on XX/XX/XXXX, but the XXXX and XX/XX/XXXX is reporting current. How is that? XXXX is not cooperating with my request I would like to receive the transcripts of the conversation n that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. XXXX  haven't provided me with verification of the conversation. I was promise that they will approve the request.

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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 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: First Data Corporation
State: NV

Complaint narrative:
I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
The company called my wife and XXXX daughters Phone several time after I spoke with them and asked to verify the debt in writing this has been going on for 6 mo

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: GA

Complaint narrative:
To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: MS

Complaint narrative:
I WAS LOOKING OVER MY CREDIT REPORT AND SAW WERE THERE WAS SOME THING I DIDN'T DO XXXX XXXX XXXX, WV XXXX XXXX XXXX, MS a few times XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX, TX XXXX Few times XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, TX XXXX few times

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 2018-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Both XXXX and TransUnion are showing my consolidated student loans listed twice. The accounts before consolidation are still listed as open and the consolidated loan is accurately showing as open but the combination has doubled the amount of debt showed that I owe by over {$100000.00} I have contacted TransUnion several times to resolve this issue in which my student loans are showing up twice on my report. I called twice about this, never received follow up by mail, and tried to check the status of my dispute online. When I finally got into their website after receiving several " system is down '' error messages their dispute site shows no record of my dispute. It also says there is a button you can click on to submit a new dispute which is not present ( included in attachments below ). The site is inaccurate, not user-friendly, and does not even do what it says it is supposed to. I do not believe from their website or customer service options they have the slightest interest in accurately reporting my information. 

Additionally, I track my score using XXXX through my XXXX Credit card account and today my score dropped two points ( -2 ) because it shows my amount of debt increased, when in fact it decreased. The amount they even show themselves went from {$260000.00} to {$260000.00}, a decrease of {$150.00}. Given the extent of the error in the first paragraph, this may seem minor but I am trying very hard to rebuild my credit and can not fathom a situation in which someone pays off debt and their credit score goes down!!

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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a letter dated XX/XX/2018 for a debt of XXXX from Transworld Systems inc. they claimed I owed XXXX XXXX XXXX   a debt. Ive never had an account with them so Im unsure why Im getting this debt collection.

Company response to consumer: Closed with explanation