vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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:
Approximately two years ago I went to Sears in XXXX XXXX Texas to purchase a new dishwasher. After I selected one, the salesman said, No need for you to write out a check. Ill just open a credit card account for you. Unfortunately, I allowed him to order a Sears Mastercard for me. I was the only signature on the application for the card. I received the card by mail and made the payments as required by the statement. 

My wife left me on Monday, XX/XX/XXXX, without my knowledge, and moved to Oklahoma. I did not realize it then, but the paper statements I had been receiving by mail, stopped. She instructed Sears to begin emailing the statements to her. Sears should have contacted me when she started using the card and, most definitely when she instructed Sears to send her a card in her name. She continued using the card in Oklahoma and making the minimum payments required. In XX/XX/XXXX I received a paper statement from Sears. The amount due was over {$10000.00}. I phoned Sears Mastercard and made a fraud accusation. I feel that it was Sears Mastercards responsibility to call me and tell me that the statements had been changed from paper to email ; or at the very least, let me know that there was increased usage on the account and that she now had a card in her name on this account. I would have immediately canceled the card. Sears Mastercard sent me an updated statement with a balance due of {$2400.00}. They have now sent me another statement in the amount of {$10000.00}, with a letter saying they are finding ME responsible for these charges. 
I have been receiving multiple phone calls a day that are rude and demanding. I dont feel this case has been resolved. In addition, I feel that if the company had conducted themselves in a professional manner and contacting me at any time to inform me of the changes being made on the account, I would have been able to avoid this whole situation. I have always paid my bills in a timely manner and retained a credit score at approximately XXXX. Due to negative information given to the credit bureaus by Sears Mastercard/Citi card, my credit score is now in the mid XXXX. 

By reading the information on the website consumer.ftc.gov, it seems to me that the charges made on my card after XX/XX/XXXX are unauthorized and my responsibility ends at {$50.00}. 

Your help in this matter would be appreciated. 

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 2019-04-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine

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 2019-04-24 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: OK

Complaint narrative:
Equifax ; XXXX and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX  Credit Card. I have had this account for over 11 years. It is being properly reported on XXXX. It was properly being reported on Transunion for over 8 years. It dropped off of Transunion about 2 years ago. This has caused me to have a lower credit score on Transunion. I have contacted Transunion and XXXX XXXX XXXX multiple times by phone and mail. I have sent my Transunion report to XXXX XXXX XXXX   verifying that my account is not on my Transunion report. Transunion response is for me to contact XXXX XXXX XXXX  and have them contact Transunion to see what needs to be done to correct the situation. XXXX XXXX XXXX has told me many times it will be corrected. They ask me to resend documentation even though they admit they already have it. The last response by letter states that my account is being reported by them accurately, therefore my credit report can not be changed. So my credit report is wrong and they state it cant be changed??????????????????

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 2019-04-24 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: OK

Complaint narrative:
XXXX ; XXXX and Transunion are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect 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
Consumer complaint received 2019-04-24 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: OK

Complaint narrative:
XXXX  ; Experian and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect 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
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2019 I disputed some inaccurate information on KOHLS Card with  XXXX, XXXX and XXXX. I do not agree with the information that was verified by KOHLS Card to these three agencies. I would like Kohls to verify the full account details they VERIFIED and reported back to the investigation requested by XXXX, XXXX, XXXX for XXXX and XX/XX/2019,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: LA

Complaint narrative:
Pulled Experian Credit report Notice incorrect information Called the creditor to verify this information Creditor stated I never had an account with them Now disputing incorrect information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2018 i contacted THIS THIRD PARTY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THE ORIGINAL CREDITOR IS Original Creditor Name XXXX XXXX XXXX ADVISED THEM ONCE ITS SOLD ITS WRITING OFF THEY ARE TRYING TO COLLECT ON A OLD CLOSED ACCOUNT ONCE IT WAS SOLD THIS IS A NEW CONTRACT THAT I NEVER SAW NOR CONSENTED TOO BUT HAS BEEN DONE ILLEGALLY ars in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven BY SIGNED CONTRACT BEING PRODUCED she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX  to have access to my XXXX records AND ALSO I TOLD HER THIS COMPANY HAS VIOLATED MY HIPPA RIGHTS GAINED ILLEGAL ACCESS TO MY PERSONAL MEDICAL RECORDS I ADVISED THEY NEED TO REMOVE THESE 2 ACCOUNTS FROM ALL THREE OF MY CREDIT BUREUAS SHE STATED IT WILL STAY ON MY CREDIT AND DAMAGE IT..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm have been trying to remove a Fraud alert from all three Credit Bureau. But when Ask XXXX to remove the fraud alert they remove it then send out a notice for XXXX & Experian to add a fraud Alert then it gets placed back on all three of my credit reports. im asking that they fix this issue so that I can get the fraud alert removed from all three credit Bureau. with out it being place back on by electronic notice from the other bureau. that I did not ask to do so. I'm attatching aLetter from XXXX where as they admit to doing this

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 2019-04-24 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: NY

Complaint narrative:
On XX/XX/2019 I contacted the Equifax customer care number to dispute the results of their investigation and informing them that the information on my credit report was still showing up as incorrect. The individual I spoke with could not verify my identity through there automated questions. I then asked to speak with a supervisor. Supervisor then tried to verify my identity through the same verification system that I informed her was not recognizing the correct answers I was giving along with the incorrect information that was on my credit report. The supervisor then informed me in order to verify my identity I would need to mail a copy of my driver 's license along with a letter stating my dispute. I told the supervisor they should have other ways to verify someone's identity over the phone without having to use the same exact method a previous person used unsuccessfully. As a result my dispute was not resolved and I was directed to place another dispute through there online dispute form and have to wait another 30 days for them to provide results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
My payment of XXXX is due on XX/XX/XXXX of every month I made my 1st payment on XX/XX/2019 of XXXX and was charge interest of XXXX then I made a additional payment of XXXX on XX/XX/2019 and was charge more interest of XXXX. I contact prosper and was told any additional payment has to be made on the same day I make my regular payment or I will be charge more interest, that does not make any sense any other loan company that I have made additional monies to has always applied to principal only if I made the extra payment within the same month.

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 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I suffered a property loss to my residence that necessitated repairs of less than $ XXXX. Over the last 6 months, I have successfully and without incident retained a contractor and resolved and closed the claim with both participating insurers. However, a small portion ( ~ $ XXXX ) of the Insurance payment is considered 'controlled ' and requires my Mortgage holder to endorse alongside myself. 

I am currently re-submitting paperwork for the 3rd time to Roundpoint Mortgage Servicing to authorize and close the claim with them. They already hold the check that was endorsed and delivered per their stated requirements, but they have provided faulty information regarding the necessary Notarization of the paperwork on 2 separate occasions that has significantly delayed the process. They are currently refusing to accept properly notarized paperwork because my contractor prepared it in advance, and now I am obliged to spend multiple hours resolving this - again - just to get the funds returned so I can pay an outstanding invoice more than 90 days after it was issued.

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 2019-04-24 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: MD

Complaint narrative:
To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX CFPB XX/XX/XXXX RE : XXXX I have recently been informed that there is negative information reported by XXXX XXXX  and US Bankruptcy Court of XXXX Maryland in the files maintained by Equifax, XXXX  and XXXX  under my social security number. Upon reviewing a copy of my credit reports I see the following entries : XXXX XXXX stated they started " FORECLOSURE PROCEEDINGS '' on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ( not sure which date is correct ). These are the dates that I have found on the reports. A bankruptcy was dismissed on XX/XX/XXXX from the XXXX Courts. 

I challenge the accuracy compliance and reportability of these listings for the following reasons : I have attached documentation pertaining to these derogatory conditions and I spoke to XXXX XXXX  and sent a Goodwill letter ( see attachment ) regarding the information. Please note that the property was a full sale and the Title company stated this was in no way a foreclosure and information should not have been reported on my credit reports. The Goodwill letter explained my circumstances and with that being said XXXX XXXX  granted me a lien release to have the " Foreclosure Proceedings '' deleted from my reports ( see attachment ) ; however, Equifax, XXXX  and XXXX  have not deleted this information from my reports. 

The bankruptcy information was followed up with a letter from XXXX XXXX and the court to have this information deleted based on the fact that this information was not reported by the courts and is considered to be false information on my report when they claim to have gotten the information directly from the courts. Please see attachments from the courts and XXXX XXXX. I contacted the court and asked them to verify this information and the letter states that the courts does not verify information directly with the credit reporting agencies ; therefore, I would like to have this information removed due to it showing the credit bureaus error in reporting my public records. I would like written confirmation stating this information has been corrected and updated sent to my home address listed below. 

Thanking you in advance for your cooperation in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and I am again writing with concerns about inaccurate accounts appearing on my credit report as accurate. For the past few months & years, I have continually written to your bureau about these and asked that they be removed asap. 

I am now going to file an Attorney General complaint against your company as more of these accounts becomes apparent. Your company has taken part in ruining my credit history and it is about time that it stops today! I demand that you immediately remove the accounts in question and ensure that they never appear again! 

These are the accounts. : XXXX Account # XXXXXXXXXXXXXX - {$4600.00} XXXX Account # XXXXXXXXXXXXXX - {$2900.00} XXXX  XXXX XXXX Account # XXXXXXX - {$1600.00} XXXX XXXX XXXX Account # XXXXXXXX - {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I received the document stating this case was closed so I talked to one of your associates on the phone and told her ocwen does not have the 1099 form for XX/XX/2018 when I have proof they sent it to me thats why I did the complaint over with the forms proving they sent me a 1099 form  which they can not find that they sent me and I had to claim it on the amount they forgave me which I owed federal and state almost {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
WELLS FARGO HOME MORTGAGE HAS MISHANDLED MY ESCROWS. I APPLIED FOR A MODIFICATION MORTGAGE IN XX/XX/XXXX. DUE TO LOSS OF WORK IN XXXX. I CHANGED HOMEOWNERS INSURANCE IN A ATTEMPT TO LOWER MY MONTHLY MORTGAGE PAYMENT, THE DECLARATION PAGE WAS SENT TO WELLS FARGO HOME MORTGAGE ESCROW DEPT. IN XX/XX/XXXX THE ANNUAL PREMIUM OF {$100000.00} WAS PAID TO XXXX XXXX  XXXX XXXX. ON XX/XX/XXXX  MY REAL ESTATE TAXES WAS PAID TO XX/XX/XXXX XXXX TREASURY DEPT,  {$1100.00}. I RECEIVED A LETTER FROM WELLS FARGO HOME MORTGAGE INDICATING I HAD A SHORTAGE OF {$77.00} IN MY ESCROW I PAID THE {$77.00} OUT OF MY WELLS FARGO CHECKING ACCOUNT. ON XXXX XXXX, I RECEIVED A XXXX XXXX PKG. FROM WELLS FARGO HOME MORTGAGE LOAN IN IT WAS FINAL MODIFICATION AGREEMENT INDICATING I OWED {$1100.00} SHORTAGE IN MY ESCROW. AND THAT MY MONTHLY HOMEOWNERS INSURANCE IS {$140.00} PER MONTH THEY HAVE DOUBLE MY PREMIUM. WELLS FARGO ESCROW DEPT. HAS INDICATED THEY ARE UNABLE TO FIX THIS. MY ANNUAL INSURANCE IS $ XXXX= {$87.00} PER MONTH. THEY HAVE MISHANDLED MY ESCROWS NOW THEY ARE DOUBLE BILLING 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 non-monetary relief
Consumer complaint received 2019-04-24 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:
Experian Dispute Results : XXXX reflects a report for XXXX XXXX XXXX. This information is incorrect as I have never been identified as such. Experian is reporting New Past Due statements to XXXX XXXX on XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX ; XXXX Account : XXXX and XXXX XXXXXXXX XXXX XXXX Account : XXXX. Experian states they will not conduct any further investigation unless new information is provided. XXXX has reported that they notified each of the the three credit reporting agencies that no monthly payment is due, therefore there is no new past due payment pending. XXXX charged off the four accounts and has abandoned collections attempts. XXXX is aware of my address should they seek to pursue collections post 1099 but has not. XXXX XXXX XXXX XXXX likewise has abandoned all attempts at collections and there are no past due payments reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief