vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I reinstated my loan, and I noticed in XX/XX/XXXX., that I was over charged an excessive amount after the reinstatement. I notified Shellpoint, however nothing was done about it. In fact they attempted to state that the fees was due to legal fees. I advised them once I reinstated the loan I paid the legal fees. Now it happened once again, and this makes the third time that this has happened to me. I reinstated the loan, paid XX/XX/XXXX a head of time, and they still hit me with more legal fees after I paid the reinstatement fees.

Each time I call to make the payment, and they will tell me that they could not take the payment, because they have to get the legal fees. Then they don't call back with the amount. I have to call them back a couple of weeks after, then they will allow me to pay to reinstate the loan. After I pay to reinstate the loan they advise me that there are additional legal fees, which the the one I paid was good for thirty days.

they are taking my money and not applying it to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: AL

Complaint narrative:
I attempted to contact Equifax and XXXX  to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( Equifax and XXXX  ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on Equifax twice ) XXXX XXXX - Balance {$390.00} ( XXXX ) CHILD SUPP - Balance {$1300.00} ( Equifax ) XXXX XXXX - Balance {$0.00} ( XXXX  ) XXXX XXXX - Balance {$300.00} ( XXXX  ) I also submitted a FTC Fraud Affidavit to Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
On XX/XX/XXXX, I went to my bank to speak with a banker and was advised that TransUnion had collection accounts that have been cleared by XXXX and XXXX. I attempted to log onto the website and purchase a credit monitoring service so that I can track my score and dispute the incorrect accounts. On 4 separate occasions, I attempted to contact customer service because online and mobile applications did not allow me to purchase the service. These dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

The did not correct my problem and had no resolution. I am unable to check my score or dispute accounts using these tools.

I am attempting to purchase a house an their scoring is preventing me from moving forward. I need assistance.

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 2019-08-12 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-12 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Nordstrom Colorado Service Center XXXX XXXX XXXX XXXX, CO XXXX Card XXXX XXXX ( account now closed ) At some point over past year, I was switched without my consent to online statements only ( ending paper delivery ). Because my Nordstrom account was attached to a personal email account I rarely check ( because it is continually cluttered with spam from third-party entities who have been sold my data ), I ended up being past due on a statement because I received no letter in the post.

I called customer service on XX/XX/XXXX, paid the bill ( {$460.00} ) and the operator refunded the late fees. I then switched back to paper statements online. However, the same incident has occurred again somehow I was switched back to paperless without my consent, I missed another bill, and was late again.

Today I paid my bill on the phone ( {$120.00} ), and closed my account with Nordstrom ( XX/XX/XXXX ).

It is good Nordstrom refunded the fees associated with this problem, but I imagine this has done some damage to my credit score.

I am not sure whether the issue is that 1 ) there is some technical glitch that is not registering my change 2 ) there is a protocol in place for cardholders to be automatically switched without being asked for permission. 3 ) It is also possible Nordstrom does this intentionally to collect additional fees and have the opportunity to increase interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have 2 collections on my credit for XXXX XXXX for {$310.00} and {$250.00} and I have talked to them repeatedly about it and they have no idea about it because when I got my electric turned back on they added those amounts to my current account and they told me to try and get it taken off by either disputing it or getting ahold of collections. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TX

Complaint narrative:
Equifax is reporting a duplicate account for XXXX XXXX XXXX. I disputed in XX/XX/XXXX that a payment that XXXX XXXX is reporting I missed in XX/XX/2015 so the balance is inaccurate. Sent in copies of my bank statements showing proof. My dispute was ignored as payments were reporting correctly. How can a account report correctly if I have proof of the payment. Then in XX/XX/XXXX I received noticed that XXXX XXXX   was reporting a new account and credit score dropped 45 points. After review of the account I found it has the same account number, same balance, but the open date is the only thing different. So, I disputed again and I was ignored. Now a remark was added to the account has caused another 35 point drop as of today. I have been denied during this time. I need to be heard this is hurting my credit. 1. They never verified the missed payments as I sent in proof. 2. They are reporting duplicate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
There was a car loan open in my name that I didnt approve of nor knew about. Credit a acceptance keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with credit acceptance they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent 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 2019-08-12 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: CA

Complaint narrative:
My complaint is against Transunion credit bureau. They first received notice to remove XXXX XXXX Bank account # XXXX, open : XXXX, status : Closed {$0.00}. Due to the fact that the mentioned account has fraudulent activity. They did removed account like all 3 credit bureaus did but out of the nowhere they reported back the mentioned account, violation of the FCRA. Im attaching letter sent back in XX/XX/, copy of the Federal Trade Commission Report they received and also the 2 reports, 1 without account and the other with account. Please remove this fraudulent account as soon as possible from my Transunion report. Thank you!

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 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Medical bill that has already been paid. I WANT THIS OUT OF COLLECTIONS NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The company called my cell phone attempting to get in contact with my girlfriend 's sister. When I said it was not her number they became confused and ended the call. They did not identify themselves as a debt collection company, but XXXX search results suggest it was Midland Credit Management calling. They called today, XX/XX/2019, at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I learned of a balance that was listed on my credit report, this collection balance was reported on XX/XX/XXXX. I had no invoices or calls made to or from XXXX XXXX XXXX in regards to a balance owed for services that were disconnected on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX to dispute charges that are reported on my credit report. I informed the representative that answered the call that the balance is incorrect as XXXX XXXX XXXX were in breach of their contract by not providing services in a proper manner in accordance with the terms of our agreement. I was informed that I would be receiving a call from an internal collections agent after the phone call that lasted 31 minutes and 35 seconds. 
On XX/XX/XXXX I received a call at XXXX EST. by an internal collections representative that lasted 1 hour, 12 minutes and 40 seconds. I disputed the balance and the representative informed me that XXXX XXXX XXXX did not record information properly and there is a note that equipment was returned in XX/XX/XXXX. I informed the representative that I did in fact return the equipment in XX/XX/XXXX, not XX/XX/XXXX and I should not have a charge balance in the amount of {$810.00}. There in fact should be no balances due as XXXX XXXX XXXX XXXX XXXX was in breach of their contract. I received no invoices for the balance aforementioned in this letter. This young lady informed me that this was not my fault and she would be taking a personal interest in resolving this matter for me and I should hear back within 7 business days. 
*I received no further calls. * Today, XX/XX/XXXX I returned a call to XXXX XXXX XXXX to attempt to resolve this dispute. This call lasted 1 hour, 28 minutes, and 51 seconds. I spoke with XXXX Employee ID # XXXX and received contradicting information. I asked to speak with a supervisor and was transferred to XXXX Employee ID # XXXX and was greeted with a severe bad attitude in regards to customer service, as well as additional conflicting information the previously informed. 

I also intend on completing a letter in regards to FCRA standards, commonly referred to as a 609 form to dispute this collection record on all of my reports. This balance is incorrect and I should not be held responsible for a balance when all items in regards to XXXX XXXX XXXX were returned as requested, and XXXX XXXX XXXX was in breach of their agreement by not providing services as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: AL

Complaint narrative:
I attempted to contact XXXX and Transunion to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( XXXX and Transunion ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on XXXX  twice ) XXXX XXXX - Balance {$390.00} ( Transunion ) XXXX XXXX - Balance {$1300.00} ( XXXX ) XXXX XXXX - Balance {$0.00} ( Transunion ) XXXX XXXX - Balance {$300.00} ( Transunion ) I also submitted a FTC Fraud Affidavit to XXXX  and Transunion.

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 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX   they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent 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 2019-08-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I sold my home voluntarily XX/XX/XXXX. Nationstar accepted {$170000.00} XX/XX/XXXX. Nationstar collected $ {$6100.00} in interest but concealed that I only owed {$5500.00} and refused to refund me {$390.00} of {$590.00} over charged interest. Nationstar charged me {$1800.00} in unidentified corporate advances. In XXXX and XXXX of XXXX, Nationstar 7 and 13 months after the sale of my home, citing only {$1700.00} had been applied to unidentified corporate advances allegedly already disbursed by check numbers. Nationstar entered into an agreement with me in XXXX and XXXX, but failed to correct the interest paid only claiming I paid {$5900.00} not {$6100.00}, or the amount actually incurred under the payment schedule and note of {$5500.00} - and never disclosing any new activity with regard to the final payment allocation. 

XX/XX/XXXX, I received what is the ACTUAL final account history under the mortgage. Lines 89-94, 102 and 106 previously stated were " PMTS '' allocated but in XXXX Nationstar 's account history showed the payments as reversed leaving {$1800.00} currently being held in suspense without explanation, and leaving {$1500.00} in unidentified corporate advances outstanding without any payments applied causing the loan to be misrepresented as outstanding and causing my money from the sale of my home not applied to charges to be currently held by Nationstar, that Nationstar refuses through their Counsel to refund or re allocate the reversed payments. 

I believe this is a violation of Oklahoma Statutes Title 59 in concealment of the reversal of the final payment that was previously applied to advances and holding the amount without contractual or statutory rights. 

I believe this is a violation of 12 USC 2605kc1, in Nationstar and through Counsel 's refusal to refund the money and delete the unpaid unidentified corporate advances or simply reallocate the payments as previously applied as late as XX/XX/XXXX, and appearing to have occurred XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: GA

Complaint narrative:
Name is XXXX XXXX live in XXXX, ga XXXX. Somebody hacked my bank account information I ordered on a food app called XXXX  and right after it show unauthorized atm transactions in XXXX XXXX   Florida when I never went there before nor made those transactions. I tried to dispute claim with bank and was denied because they said there was no error in which there was an error because I dont live in Florida never been there and was at work while this happened and bank is refusing to give me my money. I contacted merchant that shows on my bank account summary and she said somebody must of hacked my card information and made a fake card but the bank is still saying I was in Florida when I was never there plus the bank blocked my card and notified me for suspicious activity and advised to me that Im at a loss and they cant do anything for me even though they said its error and i live in XXXX  ya, first transaction was XX/XX/2019 {$400.00} & {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX incorrectly associated me with a vehicle that is not mine and entered a missed payment of my fathers vehicle ( XXXX XXXX XXXX ) into their system. The missed payment was in XXXX 2018, after I had cancelled my insurance through XXXX XXXX and my father  had cancelled insurance through XXXX XXXX. The Credit Collections for this missed payment of {$100.00} was posted in XXXX 2018 on my credit score. 

I was never notified of this debt, via phone, email, or mail and neither was my father. I just recently found this in reviewing my credit in preparation for buying a house. I have been in contact with XXXX XXXX to remove this from my credit, but I want to ensure that it no longer affects my credit and would like to get this moved forward and removed from my record as quickly as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation