vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Someone named XXXX stole {$200.00} from my bank account via zelle. i dont know who that is. i didnt send him my money as i am a XXXX XXXX year old female and i NEED that money back. theres nothing i can do without it. I contacted XXXX XXXX and they hung up TWICE without an explanation of what they will do for me. They just said its a lengthy process then hung up without any further explanation nor did they call back. i am XXXX. life has already been XXXX enough to me this year. Please help me get my money back. I know its only {$200.00} but its all i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX ( tracking # XXXX ) Experian received one of several dispute letters regarding fraudulent established accounts that are being reported on my Experian credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Experian as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Experian received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Experian credit report. I have stressed the negative financial impact to Experian this has taken on my personal financial status, sent in supporting documentation, and yet Experian still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Experian as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.

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 2019-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-10-20 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: GA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2019, I had a email forwarded to me by a family member from ally bank. The email was about my checking account and included personal information. This email is NOT associated in any way with my account at ally bank. I logged in to my online bank account and looked for this email but could not find it in my contact information. The only email listed is my main email- XXXX. I then made the mistake of contacting ally bank by phone and after a 29 minute conversation with a customer service rep AND a supervisor, My problem was not resolved. If fact, I was never able to discuss my problem because according to ally bank, they could not " authenticate '' me so they would not help me. This security procedure is not helping or protecting me. It is keeping me from resolving problems that are about my account security. ALLY BANK should not be sending my personal account information to random email accounts and I want this resolved

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 2019-10-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the company listed for One of the Hard Inquiries ( The first one listed below ) and found out that they represented another company that in turn misrepresented themselves to me back in XX/XX/2019. I had applied for a business loan with them only, Never was informed that my personal credit would be pulled and i Never gave permission for it to be pulled. this company turned out to be a broker who then shared my personal information with several other companies who apparently ALL pulled my personal credit without my written or otherwise permission. I have tried to dispute it, but the company representing the Broker says they can't do any more. I never gave permission to this " broker '' company to pull my credit and i definitely never gave permission for my information to be shared or any one else to pull my credit. I have several Hard Inquires now on my report that are all now Fraud. I have placed a fraud alert on my report as well as a freeze as of today XX/XX/19, but these items need to removed. 
- XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX  Inquired on XX/XX/2019 -  XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 I am requesting that ALL of the above be removed from my Credit Report as NONE of these were done with my permission or Knowledge.

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 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Debit card was stolen and I filed a police report. Immediately, I reported this to BofA. They said they would send me a new debit card in 5 business days. I did not receive my new debit card in 5 business days and called to request it again. I asked for them to overnight the card to me and they said they could not. After a second time of requesting the card and not receiving it, I am filing this complaint. It should not take nearly a month to get a new debit card. This is total incompetence.

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 2019-10-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn. 
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt in the amount of {$340.00} was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Trying to close a refi on my mortgage.Three closing dates were set up and company won't send closing disclosure, title company can not close.Started this refi XX/XX/2019 has been in and out of underwriting, closing and title company since XX/XX/XXXX.Company will not give me a reason why.

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 2019-10-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2019 I received an letter from the XXXX XXXX XXXX of XXXX stating the XXXX XXXX XXXX remove the accounts that's showing up on my credit report. I then sent a copy of the letter to Equafax Credit Bureau XX/XX/2019 along with a copy of my I'd and ss #. They removed the account and they know have put the account back onto my Equafax report. I wish for them to remove this account again and permanently keep it off my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TX

Complaint narrative:
I made a reservation for a stay at XXXX XXXXXXXX for XX/XX/2019. 
On XX/XX/XXXX i utilized the link in the XXXX confirmation email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.in English now you can cancel until the moment of checkin ) .. i received a screen displayed message stating that the reservation had been cancelled. The reservation was removed from my list of active reservations and when i entered my confirmation number into the system i again viewed the message that the reservation no longer existed. 
The XXXX, citibank, and XXXX are indifferent to my appeal and have charged me {$310.00}. A simple XXXX search reveals that others have met the same injustice.

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 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Funding LLC # XXXX XX/XX/2016 {$550.00} Midland Funding LLC # XXXX XX/XX/2016 {$1000.00} I get calls from this company all day for a repeat debt that I told them I don't owe. They have called and harassed me and wont stop. I don't owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Southwest Rapid Rewards card with Chase Bank that Ive been paying on monthly on time and I noticed my minimal payment jumped up {$10.00}. I spoke to 2 customer service reps and 1 Lead. The lead told me that I couldnt get my minimal payment down because they have every right to increase my bill at any time. I told her the federal reserve decreased our interest rates, so I didnt understand why my minimal payment would jump up if I havent made purchases. She told me Im paying an APR rate at 26 %, and Ive always paid an APR rate. I asked her what my interest rate was, she said my apr rate is my interest rate. I stated an APR and Interest are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank harrasses people. I've complained about them before but you miss one payment and they call you all day long. I'm on the do not call list and i blocked them from calling me but when i look at my call list their number is on there roughly 6 times a day my bill is due on the 1st and they have been calling me everyday. I had trouble with them before not wanting to work with me they just would threaten me they need to be stopped

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 2019-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I don't think these debts belong to me. I am very confused about this. Please provide more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: AK

Complaint narrative:
The XXXX XXXX from Ohio, also known as the HMC group, called me on XX/XX/XXXX saying I owed XXXX dollars in medical debt. They threatened to pursue legal action against me if not paid. I immediately called me hospital and talked to the head of billing and they said I had paid off all my bills from my er visit and that they do not use hmc or the XXXX XXXX for collections. I called the collection company back and they began to be very rude and said I was accusing them of lying and that I spoke to all the wrong people. They never once explained to me that I could dispute this collection. And NOW I see the collection is on my credit report. I am very frustrated and dont know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Avant Credit Corporation
State: VA

Complaint narrative:
In XXXX, I got a {$2000.00} loan from Avant credit online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful. 
Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency. 
The bill is for {$2600.00}. 
This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group
State: AZ

Complaint narrative:
My student loan debt is being illegally re-aged by the company that bought the debt, ascendium education solutions. They bought the debt in XX/XX/XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XX/XX/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 2019-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft victim

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 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX, I got a {$2000.00} loan from XXXX XXXX online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!

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 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX, I got a {$2000.00} loan from XXXX XXXX  online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXXThey never called me, sent me one statement, seemingly wanting to make my credit worse!

Company response to consumer: Closed with non-monetary relief