vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hello Today I received a call from ( XXXX ) XXXX. They were very sly about getting information out of me but would not reveal who they were or working for. I know under the Fair Debt Collections Act they must provide me with that. I did tell them not to bother me again. I googled the number but its not registered yet with debt complaints. So I typed in debt collectors in XXXX XXXX TX and I saw Portfolio Recovery Solutions on there and about 15 years ago I had a credit card that I couldnt pay and it was turned over to them to collect. So for 10 years they harassed me and I never answered them. I know they went past the statue of limitations. So today out of the blue they call me. Isnt this lawsuit worthy? Especially if they continue? I had that accident when I lived in Oklahoma. Also before writing you I tried calling that number but they do not disclose there name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I dispute this on my credit report because the original debt is from XX/XX/2012it should be removed from my account and it is not this is not correct information and is in violetion of FAIR DEBT COLLECTION PRACTICES ACT please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
From XXXX XXXX I was contacted by FBC Mortgage , LLC Underwriter XXXX XXXX and she was disrespectful and Call me to verify a credit card that was paid off and was at a XXXX balance. She had me call XXXX on the phone with her on the line to verify that it was a XXXX balance. I had to state my password and other personal information and once I completed the call I called XXXX and changed my information. I submitted documentation showing my credit card had XXXX balance and credit in my favor. I also submit the document for my XXXX XXXX as well. She went on to ask me why I purchase grocery at the military base and why did I withdraw {$140.00} from the ATM. She stated are you sure that was your XXXX XXXX  money and that is when I stop speaking to her. When I requested FBC mortgage for her information and that I will like to file a formal complaint against her for her unethical and disrespectful behavior. I feel she was discriminatory towards me because of my veteran status. FBC gave me only an email to file the complaint and no one has contacted me. FBC refused to give me her information or reprimand her or even apologize for your behavior. This is no way to treat a veteran and a XX/XX/11 survivor. This underwriter is biased towards veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX US DEP ED, XXXX and some account that only have an account number 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 non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX US DEP ED, XXXX and some account that only have an account number 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 2019-07-09 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:
I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX US DEP ED, XXXX and some account that only have an account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I changed my due date from the XXXX to the XXXX on the Chase Online website, in order to align with my paycheck dates. As of today XX/XX/XXXX, I kept checking online to see my statement which should have close on the XXXX as every month but it has not closed yet. I called Chase and they inform me since I changed my due date that also changed my statement due date, unknowingly to me since their website did not disclose to me at any time while I did the change of the due date. Now I am stuck with an unplanned statement period which will be over a month and half instead of the regular just 30 days, just because Chase did not warn me or at least inform me changing the due date was also gon na affect my statement closing date. Furthermore, their website still shows my closing date as of the XXXX of XXXX. If I would not have called chase I would not have had any notice this change went in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NV

Complaint narrative:
XXXX XXXX XXXX should be removed from all 3 credit Bureaus. The dealership XXXX XXXX falsified the credit application to get me financed. My income is XXXX a month the dealership reported XXXX a month. We submitted this information to the finance company and have not heard back from them. We want all 3 credit bureaus to investigate by requesting documents, not just a signed falsified application. But submit proof of income provided to finance company.

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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I have attempted to contact XXXX XXXX and the City of XXXX attempted to contact them via mail and e-mail at the attorney on the file at that time. 

Request - adjustment of fees owed on debt for XXXX # XXXX Notice to appear after written request - approved one day before date to appear Received AFTER date this year XXXX. 

Judgement dated XXXX {$2600.00} attempts to contact attorney on file from City of XXXX. dating back to XX/XX/XXXX copy of title search on file shows debtor mail was returned to City of XXXX. In XXXX calls and mail unsuccessful to solve debt. Now debt amount $ XXXX. 

Wrote requesting adjustment of interest and none given. This is an attempt to have the debt adjusted and then I can submit payment. 

Now attorney is XXXX XXXX XXXX XXXX XXXX XXXX credit card debtor 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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX company in regards to my account that was charged off. They informed me to contact the Client Services a  collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to XXXX XXXX. So I contacted XXXX XXXX again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to XXXX XXXX and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2019 I received a collection notice from A company called AFNI. The letter stated I owed {$1400.00} to XXXX XXXX XXXX. I never used XXXX XXXX XXXX services before and had not seen any other bills that need to be paid from the said company. It was a surprise that it was sent straight to collections and not have any notices to begin with. I believe this was a case of stolen identity with the intent of ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX and Trans Union are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX  has willfully refused to acknowledge my request. In the attached documentation you will see that a I request XXXX XXXX TU block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency.

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 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Tranferwise deactivated my account and cancelled all the transactions that were in the amount of {$660.00} {$990.00} {$990.00} {$990.00} {$1300.00} That is total of {$4900.00} taken out of my account. When i call customer service they tell me we didn't take any money nothing was taken out of your account so there will be no refund. I am going crazy since a week calling customer service over and over again all i get to know is we dont owe you anything there is no refund coming. 
I have attached my bank transaction that completely shows money is taken out. They are just scam trying to take money fraudulently. Easiest way for them is to take money from bank and then deactivate tranferwise account saying we don't owe you anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
The purpose of this credit repair letter is to inform you that the derogatory accounts on my credit never had my permission to go through my credit report and I have asked them to remove any negative actions from my credit. Some of these accounts like XXXX and security credit services were contacted by me, explained and sent proof that these acts are not mine XXXX because I was no longer living at that property and had called and canceled all services and Security Credit I was a victim of identity theft. Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately and and my credit score be adjusted accordingly. I appreciate your attention in this matter. 
Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted Citi card recovery company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to Citi Recovery. So I contacted Citi recovery again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to Citi Recovery and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NJ

Complaint narrative:
Equifax and XXXX XXXX are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. In the attached documentation you will see that a I request EQ XXXX XXXX  block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I filled a dispute on fraudulent charges made on my card on XX/XX/19 for {$2000.00} and within a few days Citi gave me a temporary credit as they investigated the charges. I was relived that Citi resolved the issue so quickly and quickly forgot about the whole thing until one day a Citi rep called me and asked me to send in my I.D . via their secure messaging system. So I did that and then quickly forgot about the whole ordeal for a while. A few weeks later I get a letter in the mail saying that " we need to speak to you or your chargebacks may be reversed ''. I thought that this must be a mistake because I had already sent in my ID and I haven't gotten any calls from Citi asking for more information. A few more weeks past and I login to my Citi app one day to find the horror that I owe a huge balance because the chargebacks have been reversed. I try to call Citi twice about this but they keep on telling me that their fraud department is closed. Im sick of wasting time trying to get through only to have to argue with reps over these fraudulent charges on my 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 2019-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 my credit score was 679-690. I filled a dispute on Experian and XXXX to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact Experian and XXXX  both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.

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 2019-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 my credit score was 679-690. I filled a dispute on XXXX  and equifax to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact XXXX  and equifax both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive been requesting my free credit report from Experian, XXXX, and XXXX since last year i havent been able to receive them or no response!

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 2019-07-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been requesting my free credit report from XXXX, XXXX, and TransUnion since last year i havent been able to receive them or no response!

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