vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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: ERC
State: LA

Complaint narrative:
Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
They are repeatedly calling my number. when called back it goes to an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: MT

Complaint narrative:
My father purchased a car for me back in XXXX. We opened a car loan with XXXX XXXX XXXX. My father died in XX/XX/2006 and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through Equifax. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling XXXX and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: FL

Complaint narrative:
According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried to open a new cell phone account with XXXX, however, I have a security freeze on my credit report with Equifax. To prove my identity they required that I provide them with the last date that I made a change to my security freeze. I have no idea if I have ever made a change to my security freeze with Equifax. I believe that I did so once with XXXX. But even if I had done, I would never know the date. I believe that they are requiring information to identify me that I would never know in order to discourage me from having a security freeze on my account. This should be illegal. Secure identification is necessary, knowing the date of the last time that i made a change to my security freeze at Equifax is not a data that anyone would know, or even know that it was important to notate and save. In my discussions with them, they claimed that the question was random, but I tried to unlock my credit report 3x and each time I had the same three questions. Equifax is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I made payment, XXXX, to JC Penney Credit, Synchoney Bank VISA card. 
The payment was made to a closed account of my wife who died XX/XX/XXXX. 
I have been trying to get this payment to be credited to my JCP Visa card account opened in XX/XX/XXXX. As of this date XX/XX/XXXX the account balance is still incorrect. 
I have have contacted Syncrony Back Customer Service many times without resolution. 
I have been charged Late Fees and interest charges. On XX/XX/XXXX I deposited a check from Synchrony Bank for {$250.00} which bounced.

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 2019-05-02 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX am disputing the ownership of account # XXXX that is being reported on my credit bureau accounts. 
This is being reported in two instances under XXXX XXXX XXXX and LVNV funding with the same account number, but different mailing addresses. 

I have no knowledge of either of these. 
Nor was I provided with documentation to prove ownership of the account. 
Secondly, I was never provided notification or given the chance to dispute this account before it was added to my credit reports. 

If these accounts are not verified with original documentation with signatures. Or proof that notice was sent to me to alert me that had 30 days to respond to the claims I would like these accounts removed from my profiles immediately. 

I have provided copies of the letters that I sent to the bureaus asking to remove these accounts but they have not taken action thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: MI

Complaint narrative:
I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for XXXX and Experian totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX   eventually put this back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was late in the month of XXXX only TIAA. They are telling me when you they report absolutely not following Federal consumer guildlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
XXXX XXXX/My WU XXXX First of all, I have been transferring funds to my international love ones for over a year! I have transferred {$50.00} - {$900.00} to my fiance, XXXX XXXX and famliy as donations through my nonprofit organization, XXXX XXXX XXXX XXXX XXXX and it bring joy to my heart to support my family who lives in property. 

On Thursday, XX/XX/2019 I was very disappointed with the service I received from Western Union! I attempted to transfer only {$40.00} in which Western Union receives {$4.00} and more times for my business with them and I was told today that my transfer was declined for Fraud Protection! The representative explained the reason because I have not seen them in person! I spoke with a supervisor too and explained to him I that I have been supporting them over a year and he can review my transfer history but he would not honor my request! I couldn't believe this! Western Union can tell me how yo spend my hard earned money! I have the right to spend my money anywhere with anybody! 

Yes, Western Union should call me if they suspect a fraud but they should allow me to agree if it's a fraud. What if this was an emergency? 

This poor customer service! 

XXXX XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: PR

Complaint narrative:
Once again Transunion is violating the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), BK-XXXX  BK-XXXX by not provide the name, address, and telephone number of the clerk contacted as BANKRUPTCY RULE 9037 mandates that the statement of social security be redacted and therefore both the UNITED STATES COURT and you are violation of that federal law or the third party company that reported the information that has certified to you is accurate as you affirmed in the investigation report that you sent ( 397187435-010 ) attached Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Earlier this year I tried to reallocate some of my lines of credit with American Express. I tried moving some of my money around to accomplish this and it triggered a financial review. I sent American Express all my financials and things checked out fine, except that they imposed a limit on my American Express Platinum card.

As frustrating as this news was, I was excited to have more credit appear on my credit report because without the limit imposed, the card is a charge card with no limit. I've been waiting for this limit to show up on my credit report but it hasn't. Can you please help me?

The financial review process was long and frustrating having my accounts inactive, I would really like for this new Credit Line limit to show up with no hassle.

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The new servicing company on my mortgage, New Rez Financial, has been mistakenly applying my {$5000.00} monthly payment incorrectly by significantly over-applying amounts into the escrow account and under-applying amounts as additional principal payments. I have literally been trying to clear this up with them for over 6 months and I just keep on getting put on hold. I have made probably 20 calls to New Rez without any resolution

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: CA

Complaint narrative:
There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up. 

XXXX XXXX has stated that they have not received any proof of refund money from FSA. 
I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX. 

As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call. 

I will appreciate if you can please provide any information to conclude this issue. 

I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails. 

On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled. 

I will appreciate any assistance you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CA

Complaint narrative:
one inaccurate collection is reporting under my equifax credit reporting agency, this collection does not belong to me it is called as XXXX XXXX  XXXX # XXXX ) it was opened XX/XX/2013, this account is not mine. i have disputed this inaccuracy several times and equifax is giving me a hard time, please help me to resolve this problem, i will be attaching my police report and the FTC report received, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I mailed a dispute letter to three collection bureaus about this debt and collection agency on XX/XX/19 by certified mail. The debt came back as validated. I then reached out to the collection company directly by mail stating this is a duplicate account as the debt is also being collected by another vendor. I asked them to research it, provide proof this debt is mine, prove it is valid, and prove they have the legal authority to collect. This letter was mailed by certified mail on XX/XX/19. I received a letter on XX/XX/19 stating that my dispute is closed and XXXX XXXX XXXX said my dispute was " invalid ''. No additional information or proof the debt is mine or they are the correct collection agency was included. I called their toll free number at XXXX on XX/XX/19. I again explained two collection agencies were trying to collect the same debt and I needed some proof of who to pay. I spoke with a Mr. XXXX XXXX who failed to provide me any data. He refused to send me anything saying they were authorized to collect the debt or that the debt was even mine. I asked if I paid the other vendor will they stop collecting and he refused to answer. As I consumer I deserve to have proof the debt is legitimate and which collection agency I should be paying. He did not let me speak or leave a message for his supervisor, Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/19 I was at a restaurant in XXXX with a co-worker. We were given a bill of XXXX XXXX ( approximately {$45.00} USD ). We decided to split the bill between the two of us and we gave the waitress both of our cards with instructions to split the bill in half and charge each card appropriately. As soon as she swiped our cards, both of our phones alerted us to a possible fraudulent charge via our mobile banking apps. As soon as I received this alert, the app asked me if this charge was legitimate. I pressed " NO '', which I assumed declined the charge. 

The waitress than came back with my Bank of America card and a receipt that showed a charge of XXXX XXXX ( approximately {$490.00} USD ). I refused to sign the credit card receipt and informed her I understood this to be a scam. I then paid her {$60.00} for the bill in US currency and left the restaurant. 

My co-worker 's XXXX XXXX app also alerted him to a potential fraudulent charge and he was not charged by XXXX. 

I followed up with Bank of America the next day and confirmed it was a fraudulent charge. They canceled my card and sent me a new one. 

On XX/XX/19 I was contacted by Bank of America and told that because it as a " verified chip transaction '' they were probably going to decline my fraud dispute and charge my card the {$490.00} that was fraudulently charged. I again explained the events to the transaction to the Bank of America agent I spoke to agreed it sounds like a legitimate fraud claim. 

The next day, XX/XX/19 I received a letter from Bank of America verifying they did in fact decline the fraud claim and charged my account the amount of {$490.00}. The letter states that I either signed the receipt or supplied my pin at the time of the transaction. In fact I did not sign a receipt or supply a pin number. 

I contacted Bank of America regarding the decision and was told they would forward my case to the billing dispute department. In my opinion, and the opinion of the Bank of America agent I spoke with, this is a clear case of fraud but they refuse to acknowledge.

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