vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/2019 I contacted TU on the phone based upon a recent alert I received saying that there had to be an error pertaining to my FICO score from TU. 

I advised that my FICO had gone down 50 or more points, for NO reason, no explantion of why, no factors explaining why. 

I spoke to customer service and as advised that I was speaking to representaives in XXXX. I asked why XXXX and XXXX FICO had gone up in the 700 's but TU dropped so dramtically, the represntaive did not understand my question. I repeated myself several times, I then asked for a suprevisore, after 15 mins or so, I female supervisor came on the line. I asked the same question she advised my if I wanted the factors of why FICO dropped I would need to pay XXXX $! I disputed thisa and she said that what its costs, either pay or she cant help me! 

this is a crime, its illegal, there is obviously a error in TU system and no one can answer me, and If pay she can tell me!

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 2019-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I did a Mortgage Modification back in XXXX of XXXX with XXXX XXXX to have our Principal reduction lowered on our Mortgage for over a three year term. XXXX honored the agreement and as of XX/XX/XXXX the 1st of three reductions was taken off the principal reduction. On XX/XX/XXXX, the 2nd of the three reductions was taken off the principal balance. In XXXX of XXXX XXXX XXXX sold out loan to Shellpoint Mortgage Services and to date, they have not taken the last reduction off and it is now XX/XX/XXXX. I have called them over and over and over since XX/XX/XXXX and constantly get a different answer or they do not know what I am talking about. If I myself as a homeowner did this to the Mortgage Company, I would have lost my house and the Agreement would have been Null and Void so why are they not being hit with any consequences? I have fought for 6 years to get this far and now again, I have to fight. I am ready for a nervous breakdown and just want this resolved ASAP. Please tell me what can I do. I have attached the Loan Modification for you to please review. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Trans Union ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX  ( XXXX XXXX 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 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: MI

Complaint narrative:
Because of a clerical error in the interaction between XXXX XXXX and our auto insurance company, XXXX XXXX, an old bill was sent by XXXX to a debt collector, Recovery One LLC. Once I realized the problem I cleared up the issue on a conference call between XXXX and XXXX XXXX, and XXXX recalled the debt from Recovery One. However, the debt collection calls from XXXX XXXX never stopped, with multiple calls per day, and recently added harassment of my wife. It has been over a month since Recovery One should have received notice from XXXX and the calls continue. Repeated attempts to inform Recovery One that the issue was resolved have been rebuffed, requests to be transferred to a supervisor for resolution have been denied, and Ive been further threatened that failure to resolve the debt with them may result in reporting to credit agencies. Insisting on more information, even additional information to identify themselves ( even just the city and state of their company ) resulted in immediate termination of the call. XXXX has been positive and responsive, and so has XXXX XXXX. Recovery One is the only one at fault and their tactics, threats, rudeness, and failure to provide a process for resolution in such a situation is utterly inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX {$5100.00} ; XXXX - XXXX   ; XXXX XXXX {$720.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
PHH Mortgage, a subsidiary of XXXX, has discriminated against me as a XXXX person in the US since XX/XX/XXXX and denied on multiple occasions. I am in the process of initiating a HUD investigation. I was declared legally and permanently XXXX in XX/XX/XXXX yet I continued to work and pay my mortgage payments even while ill. Then, in XX/XX/XXXX I became unable to work and my identity was stolen by someone who threatened me and my family with bodily harm. They received an Identity Theft Affivadit. I initiated a XXXX investigation which they refused to respond to because they were under formal, written Cease and Desist yet violated that over 150 times with emails, statements, other communications via US Mail and Certified Mail. They attempted to serve me with foreclosure notices at my previous residence at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I abandoned the home in XX/XX/XXXX after learning it has XXXX XXXX XXXX that has made me terminally ill with less than 6 months to live unless I receive critical medical attention. I escalated the issues to the Office of the Ombudsman who denied they discriminated against me. I requested Demand Payoff Quotes with waiver of everything except the principle and interest on multiple ocassions. That home is my largest asset and my only daughter 's legacy and inheritance should I pass away. I am in the process of settling the homeowner 's insurance claims and retaining legal counsel for the issues with XXXX Mortgage and the secondary mortgage company, XXXX XXXX XXXX, who holds the HELOC. I will be on XXXX and XXXX later in the year. I currently have no personal assets, no bank accounts, and no credit cards because of the damage done to my credit from the person who stole my identity in XX/XX/XXXX. My XXXX XXXX XXXX father is currently supporting me, and I don't even have money for the bare essentials such as food and water much less XXXX XXXX. My father lives on a fixed income and also supports my older sister, who has learning XXXX, and my daughter, who was a student at XXXX XXXX XXXX and lost her best friend on XXXX 's Day. She is now a student at the University XXXX XXXX  studying to become XXXX  XXXX  and in the process of setting up a division of XXXX in memory of XXXX XXXX who our community lost to 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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
A company online information services refuses to give me information regarding an electric bill they claim was not paid. The account on my report has a 0.00 dollar balance and Online Information Services will not discuss any information. 
When I called and attempted to speak to the representative he got very aggressive and nasty. He would not let me talk or ask any questions. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I requested {$10000.00} to be transferred from my Capital One 360 Money Market Account to my brokerage account at XXXX XXXX . The funds were transferred and settled at XXXX XXXX on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), Capital One reversed that transfer. When I contacted their customer service, they can not tell me why the transfer was reversed. Their only solution was that I should wait three to five business days for the funds to post at Capital One and then they can tell me why the transfer was reversed. I asked to speak to a supervisor when I said that was not a satisfactory answer and received the same answer from the supervisor ( XXXX ). 

I then requested how I could contact XXXX to follow-up on the issue so I would not have to spend another 30 minutes on the phone regarding this error on their part and he said he does not have any direct contact ability ( no phone extension or e-mail ) so I would just have to call back once the funds settled back at Capital One and start the process over. 

I asked to speak to someone higher up as this did not seem like a satisfactory explanation and XXXX said there was no one above him to speak with. 

I called XXXX to see if they could stop the transfer and they said the funds had already been transferred to Capital One so there is nothing they could do. They said typically there is a note left to explain why a transfer was reversed and in this case the entire note was just " reversed ''. They also were confused why Capital One needed to wait three to five business days because the funds are already at their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-05 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: CA

Complaint narrative:
The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Equifax ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX Inquiry : XX/XX/2018 Credit Unions  ( XXXX ) XXXX 2.XXXX XXXX   Inquiry : XX/XX/2018 Credit Unions ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018All Banks Contact the inquirer : MAIL ONLY 4.XXXX XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. Contact the inquirer : MAIL ONLY 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 All Banks ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I made a payment to my credit card account with Capital One on XX/XX/XXXX in the amount of XXXX. It posted the debit to my checking account and I show the credit to the Capital one Account.. I attempted to use the card the next day and the purchase was declined due to lack of available credit. When I called and asked Capital One the customer service rep XXXX advised me that they " hold on to funds '' to make sure they are good before they make the credit available to use on the card. He stated that it could be a few days and it was common practice. The payment was made via ACH so it was not a paper check that was sent in for payment. I am not sure if credit card companies are held to the same standards as banks but shouldn't this be a reg z or cc violation? Needless to say I closed my account but still want someone to follow up because if Capital One is doing this to me then chances are they are doing it to others which would not be a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I did not authorize Citizens bank to run this report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TX

Complaint narrative:
Equifax has fraudulent information reporting on my equifax credit file. The fraudulent listings are a result of identity theft. I have already reached out to Equifax without resolution the following are accounts that are due to identity theft that were opened as a result of fraud from a thief. I am attaching my Drivers License, and IDTheftAffidavit from law enforcement. Please review and block the fraudulent accounts. 

1. XXXX XXXX Line of Credit {$980.00} Balance with a {$1000.00} Credit Limit account # XXXX Opened XX/XX/XXXX. 
2. XXXX XXXX Revolving line of Credit Balance {$5800.00} Credit Limit {$6000.00} Account # XXXX Opened on XX/XX/XXXX. 
3. XXXX XXXX Revolving line of credit Balance {$490.00} Credit limit {$500.00} opened on XX/XX/XXXX. Account # XXXX 4. Student Loan US Department of Education Balance {$21000.00} Opened XX/XX/XXXX. Account # XXXX Inquiries that are fraudulent as well. - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all XX/XX/XXXX with a lock on my file these are fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Is not my address. My Address is XXXX XXXX XXXX XXXX, TX XXXX Fraud Alert - does not list my phone number XXXX. Please correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Three years ago around this time Wells Fargo sent me a credit card that I never applied for. They opened a credit card in my name & sent it to me without my consent or authorization. However, I decided to keep the card because it earned cash back. But after 3 years I have only earn {$24.00} dollars in cash back. So I was informed not only by Wells Fargo Bank but a friend said that I can convert my current Wells Fargo credit card to another one that will earn rewards faster. When I tried to convert my current credit card into the other credit card product, Wells Fargo said my account was not eligible. I asked the Wells Fargo credit card specialist, " why isn't it eligible? '' The Wells Fargo Rep said " either you missed a payment, or you have exceeded your credit limit. '' I have never missed a payment on my card, I have never exceeded the credit limit on my card, and I always pay my card in full every month. My Wells Fargo Visa always has a XXXX balance, and Wells Fargo knows this. However my friend who converted his Wells Fargo Visa is always late on his payments, always goes over his credit limit, but Wells Fargo converted his card. Wells Fargo is unfairly singling me out for some reason. I spoke to many Wells Fargo reps and they do not seem to have an answer. Maybe because Wells Fargo fraudulently opened my credit card. I am so disappointed in Wells Fargo for their unethical practices. They never even apologized for opening a credit card in my name and running my credit without my consent. I should have sued 3 years ago. But I decided to keep the card. Wells Fargo now needs to make this right and offer me a solution. The solution should be converting this current card I have into another card that will benefit me more. That is the least Wells Fargo can do. It's not asking much considering that they opened this credit card in my name without my consent or authorization.

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Unauthorized debit card use by a person who is also being investigated for elder abuse. Went into the branch location on XX/XX/XXXX to close an acct and report unauthorized use of a debit card. Rep for the bank printed off bank statements from XX/XX/XXXX- XX/XX/XXXX and had me to highlight each item disputed. We received a call from a different rep from the bank at the time my grandfather was XXXX  at the hospital, we were provided a contact # to call when he was discharged and when we call this rep said that because he could not verify any transactions on the acct that she could not help him and referred us back to the local branch. I called the local branch and was issued an appt to meet at the branch on XX/XX/XXXX at XXXX only to arrive and nobody was there. I called the branch today XX/XX/XXXX and asked why I was given an appt and nobody was there. I was told that there was an emergency at 2 other locations so the appt was canceled. She then proceeded to say that I would once again need to bring my XXXX year old grandfather into the bank again to confirm what he has already provided to the first rep on XX/XX/XXXX. I feel like we are getting the run around and nobody is able to give us any answer or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MS

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion 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 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