vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX have filed a false judgement against myself and my property. The judgment was secured without me being able to represent myself in court. I was not notified or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I reviewed a copy of my credit report and found the following items to be an errors. Here as follows is the items in error : Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$560.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXX Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$660.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXXXX/XX/XXXXBasis of Dispute E.g., I never had the accounts in reference with this creditor and I do not owe this debt. Invalid information listed on credit Reports -  original. I did not sign an agreement to pay for any services with XXXX XXXX nor did I sign an agreement with the collection agency -Portfolio Recovery Associates . I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX  and was removed for the same false accusations. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have asked for Equifax to investigate two inquiries one from Equifax Mortgages and another from XXXX XXXX. The have refused to do so even after I have told them that the injuries are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: LUCKY MONEY, INC.
State: CA

Complaint narrative:
XXXX XX/XX/2019 I made a transaction for {$350.00}, the transaction sits down til XX/XX/2019 until I filed a follow up asking them why its not yet delivered later that day I received an email and I replied to cancel the first one as I have already made a new transaction as always being done even if I know that this is advantageous to me because of lower rate and they immediately agreed and they deducted {$350.00} on XX/XX/2019 and another on XX/XX/2019 but it was delivered almost 2 weeks later. I asked them why charge me twice when we already agreed to cancel the first one day before and they said they will return my money thru mail and I insist to return it ASAP as I need it to pay my bills am late with my house payment cause of their greediness

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX ; Experian and XXXX are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
THIS IS NOT A DUPLICATE OR A TRIPLICATE THIS IS A NEW COMPLAINT ABOUT ONGOING ISSUES THAT HAVE GONE UNRESOLVED. RECENTLY, I HAD TO HIRE AN ACCOUNTING FIRM TO CONFIRM MY SUSPICIONS AND THEY DID. I NEED ALL MY PAYMENTS APPLIED AS WELL AS MISSING FUNDS. I HAVE ALWAYS BELIEVED THAT I WAS BEING PUSHED TOWARDS FORECLOSURE AND ASKED SELENE TO SELL MY NOT AND IT SEEMS THAT IS WHAT IS TAKING PLACE. HOWEVER, I DO NOT WANT TO MOVE TO THE NEXT COMPANY WITHOUT RESOLUTIONS TO WHAT THEY HAVE DONE. I NEED THE XX/XX/XXXX PAYMENT APPLIED, THE XX/XX/XXXX MONEY ORDERS APPLIED AND THE MISSING FUNDS APPLIED WHICH EQUALS THREE PAYMENTS. I OWE FOR XX/XX/XXXX BUT THEY HAVE NOT ALLOWED ME TO MAKE THIS PAYMENT, ALL I GET IS THREATENING LETTERS LETTING ME KNOW THAT I AM IN DANGER OF LOSING MY HOME. THIS NEEDS RESOLUTIONS PRIOR TO MY MOVE OVER!!!!!

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 2019-06-18 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: WA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item.

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Finally, XXXX sent me an itemized invoice. They then proceeded to attempt to give me the run around by saying they'll send me an affidavit to complete, I told them that was total nonsense when I'd already sent them my official FTC affidavit. 
I will now stick to the guidelines given me from law enforcement directly and will no longer go back and forth with 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 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been unfairly & horribly treated By BoA over the past year they have banning and restrict me closing accounts one by one for some unknown made up Business Decision super odd out of the blue I have all my house car phone bills attached to these accounts and to just oh lets mess with him again and close restrict access is Absurd and straight up mean I have done both and have been with BOA over XXXX years Got my first credit with you guys and to be treated this way is something else I received this email which I never requested to disable and I call and they cant provide no information just was a business decision out of the blue no letter no email no call nothing just oh we can do that anytime. This is going to take a huge toll cant believe it

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMEX REFUSE TO REMOVE {$2500.00} UNAUTHORIZERED FRAUD CHARGES MADE BY XXXX XXXX XXXX ON ABOUT XX/XX/2019 AND SENT PAYMENT NOTICE DUE XX/XX/2019 FOR {$6600.00} IN WHICH IS UNREALISTIC FOR ME TO PAY BEING ON FIX INCOME ( SSI/VA XXXX VET ) AND THIS HAS CAUSED UNEXPECTED FINANCIAL HARDSHIP IN WHICH I CAN NOT PAY AND MAINTAIN STANDARD OF LIVING AS A SINGLE PARENT FATHER OF XXXX DAUGHTER AND I DISPUTE THE VALIDATION OF DEBT OWED PER 1692g FDCPA DUE TO CONFLICTING BALANCE / BILLING STATEMENT AND INFORMATION TOLD BY AMEX REP STATE A DIFFERENT AMOUNT AND STATUS OF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has listed inaccurate information on my credit report : Record Type : Bankruptcy chapter XXXX Filing Date : XX/XX/2011 Amount : {$0.00} Reference Number : XXXX Court : XXXX BKPT CT GA XXXX Plaintiff : - ( Blank ) ON the grounds of the Fair Credit Reporting Act - This information Experian is publishing has to be reported correctly. Any error in the way the credit is bureau grounds for having this information removed from my credit report. Inaccurate reporting is Plaintiff -  reports as blank ( no one ) and Amount of Bankruptcy - reports as {$0.00}

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Our mortgage fell into default due to missed payments. On XX/XX/2019, we cured the default by making our account current. On XX/XX/XXXX, the mortgage company reported to the credit bureaus inaccurate information regarding our account. After speaking with the mortgagor, I was informed that they reported the status of our account correctly as of XXXX XXXX, 30 days prior to the date they submitted our information. 

Currently, any review of my credit report shows that as of XX/XX/XXXX, we are past due on our mortgage and the last payment made was in XXXX, and the balance is {$300000.00}. None of that information is correct as of XX/XX/XXXX, or even as of XX/XX/XXXX. This is not that status for our account as of any date in XXXX and should not be reported as such. This information is extremely damaging to our credit profile with the three agencies and has been attributed by multiple financial institutions as the reason for negative action on our accounts. 

The mortgage states that they can not update the credit bureaus until XXXX with 30-say aged information regarding our account, or in other words the XX/XX/XXXX status of our account. 

This reporting practice is punitive and I believe intentionally so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I paid the original debt owed to the doctors office. The doctor agreed to credit the miss appointment fees and said they would take {$980.00} to cover all the charges I contacted the collections company three times and they stated they would investigate the changes. The supervisor 's name I believe was XXXX and she never would contact me even though I left several messages

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: AL

Complaint narrative:
On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from Bank Of America. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.

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 2019-06-18 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: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
GC Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
It's unfortunate that I've had to take the route of contacting law enforcement. This is not my debt. I've spoken to XXXX all of last week, they state they don't have a contract of any sort bearing my signature. This is a PROBLEM! 

Mind you, XX/XX/18 I sent a letter to not only XXXX but the collection agency. XXXX responded, however, the collection agency has not. I don't owe anything and I will never pay what is not mine. What XXXX did send me, though, was an itemized invoice. This is invalid and is not respected per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: PA

Complaint narrative:
On XX/XX/2018, I filed my initial complaint with the CFPB against Residential Home Funding for loan servicing issues. ( Initial complaint XXXX ) Residential responded to this complaint by way of the attached correspondence of or about XX/XX/2018 indicating a refund was issued in efforts to resolve the matter. 

This was not the case. A refund was never submitted or issues on behalf of this matter by Residential as indicated. In addition, the information contained in the notice indicated a error in the mailing and property address of the correspondence. 

This creates a more issues with our pursuit of a truthful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: AL

Complaint narrative:
On XX/XX/XXXX, Premier Holdings contacted me about a very old debt that was charged off over 8 years ago. The lady named XXXX XXXX that works for Premier Holdings told me that I could settle a {$3400.00} debt that originated with XXXX XXXX in XXXX could be settled for {$1000.00}. This is coming at a time where I am already paying over {$2000.00} per month for two judgements so I was scared. She said they could prosecute me for Theft of Services. I ended up giving them my bank account information. They took the money out of my account before I ever signed the docusign that they sent to my email giving them permission. I still havent signed it. According to the Fair Debt Collection Practices Act, they were wrong. I just want my money back. Premier Holdings phone number is XXXX. XXXX is the manager and XXXX XXXX is the one I spoke with. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted Experian, XXXX, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to Experian, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay Experian, XXXX and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.

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