vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
Hello dear Cfpb I am writing to assist me to fix this problem with state farm bank credit card. I made payments {$4900.00} and payment was returned because my bank wanted to verify payment. My state farm bank credit card was placed on hold and i received phone call from Bank Verification department agent her name was XXXX XXXX and she was asking me to go State Farm Agent office to verify my identity and since i am working i can not go to agent office, I ask her to give me other option to verify my identity but she refused and also she told me i can not make a payment and do anything with this account until i verify this account, I asked her can i speak to supervisor she also responded she can not ask her supervisor call me until i go to agent office. But its really important me to make payment because if i do not make payment my account will be late and my credit will be ruined. I have this account since very long time and i made from same bank many payments and all charges are valid and account is Valid. I am asking CFPB to assist me so i can make a payment to this account please. Thank you Very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
in XXXX in collaboration with the Social Security Administration and XXXX XXXX, SSA issued me a new social security number based on very bad case of identity theft. the SSA requested a lot of documents to proof the ID theft, XXXX XXXX worked together with me to ensure all information was accurate and to the point. In XX/XX/XXXX, I was issued a new social security number, I was advice to stop using the old number ending in XXXX and to start using my new number ending in XXXX. In XXXX or XXXX without any reason and any contact with me, Transunion locked my report, where no one can access my report, indulging me. After realizing my Transunion Report was not showing, I called transunion and I was transferred to the Fraud Special Handling Department, that department has been nothing but horrible, nasty and XXXX. They have asked me literally for every single document that makes me a person. I send them a copy of my WA State ID, my SS Card, my passport, They requested different forms from SSA and I had to go to SSA Office many times to get documents. Transunion have received all this documents and they don't communicate with me, I have to be the one calling just to find out they denied my request to release my report. Transunion has continue to keep my information locked up. Recently I moved to a different apartment and because of this issue I had to pay over {$5000.00} of moving cost because my transunion report was not showing and I'm being seen as liability by creditors. Yesterday XX/XX/XXXX I spoke with Fraud Special Handling department manager XXXX XXXX, in the moment I told her that I was immigrant as I was explaining to her why I was issue a new social security number. XXXX XXXX started to be XXXX and started to speak over me with out giving me the opportunity to finish explaining to her. XXXX XXXX as a manager she has discriminated against me and is literally holding my information hostage, to the point that I'm in financial hardship because I'm not able to get the credit I deserve. I NEED MY REPORT TO BE RELEASE IMMEDIATELY

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 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Capital Accounts called me at work twice. I have advised them to stop calling me at work. If they continue I will sue them for harassment.

The number that is calling me is 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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
my loan was transferred XX/XX/18. and I had to make my payment before XX/XX/18 to XXXX, and after to new provider, XXXX XXXX I made a payment on XX/XX/18 XX/XX/2018 i called loancare and was told that they may have canceled my payment, and to wait a few days with the transfer I have 60 days no late fees or report to credit agency, the XXXX loancare calls and leaves a message, I call back and the guy is telling me I have to make the payment I explained I did and I was told to wait a few days to see if it would still process he tells me nope need to make payment now, I tried to explain I would like a copy of that letter, I don't want to have 2 payments pulled the same date, he said trust him and I need to make a payment m I said I did your company messed it up and he said I still have to make the payment today!!!!! now XXXX and XXXX XXXX use loancare for the service of the loans so laon care is the one demanding my payment I told him I would feel better waiting few days make sure the other doesn't process, I than said I thought someone has 60 days so how can you be telling, me that I have to pay today, again I told him the lady on the XXXX told me to wait a few days and that's what I wanted to do, he than said I still have to pay my loan I said I did and they messed up and he than started again I told him again I thought with the 60 days I have some time so whats the rush if I wait a few days and he wouldn't stop so I hung up so sound like they don't follow the 60 day rule with the new transfer

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 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 2018-07-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

XXXX XXXX the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


XXXX XXXX was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.

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 2018-07-18 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CO

Complaint narrative:
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
I have been disputing this account with Experian for over the last 8 months and sent certififed letters and documents to prove these accounts have been reporting inaccurately. XXXX XXXX XXXX has 3 seperate loans XXXX XXXX, XXXX has purposely violated my rights as a consumer by reporting false, reaging accounts and intentionally keeping my credit worthiness low. I have asked repeattly per my rights as of setion 623 of FCRA asking for validation and proof of these inaccuracies. Everytime they have came back verified. Well if that were so then how come I am able to show errors.

EXPERIAN IS REQUIRED TO DO THE FOLLOWING : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Which they have failed to do.Please see attached EXPERIAN is showing that the date opened on the loan was XX/XX/2014 holds a balance of XXXX it has no high balance but is showing refinanced and closed. has no past due balance or monthly payment. 

XXXX XXXX XXXX HAS PROVIDED ME WITH A COPY OF PROMISSARY NOTE THAT STATES 1. Orginal loan amount was on XXXX. 
2.Payment XXXX made 3 payments in full. WHERE is XXXX? how is it they are reporting XXXX on paid as agreed. 
with XXXX previous balance.?????? Yet experian reports 3 different balances on closed accounts with past due?? how was this verified with a BLINDFOLD?

I HAVE BEEN REPORITING THIS AS INACCURATE FOR MONTHS WITH LIES OF VERIFIED. I HAVE EVERY RIGHT TO BE UPSET WITH THIS AND THE FRURSTRATION THIS HAS BOUGHT ME. DELETE THESE ACCOUNTS PLEASE SO I CAN MOVE ON WITH MY LIFE.

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 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion continues to report inaccurate information concerning my credit file. I am fed up with it and i have proof. I have disupted my address is XXXX XXXX XXXX XXXX. I have sent proof and it matches my drivers license. Yet inaccurate address continue to be reported.MY RIGHTS AS THE FCRA SECTION 623 ( B ) IS BEING VIOLATED PURPOSELY.

THe only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX shows date opened of XX/XX/XXXX it has a balance listed of XXXX its listed as a charge off and date closed of XX/XX/2015. How was this verified with a blindfold? How is the balance higher than the high balance. How was the last payment made on XX/XX/2015 if it was closed XX/XX/2015. THIS IS ALL WRONG NOT PER PROMISSARY NOTE PROVIDED BY XXXX XXXX XXXX 

TRANSUNION HAS BEEN REPORTING THIS AS VERIFIED!!! HOW CLEARLY IT SHOWS THAT THE PREVIOUS BALANCE IS XXXX AND IT SHOWS 4 PAYMENTS OF XXXX MADE. NOT 32? IT CLEARLY SHOWS THIS WAS PAID OFF. WHY IS IT STILL SHOWING I OWE THIS COMPANY??? THIS NEEDS TO BE DELETED AS SOON AS POSSIBLE BECAUSE IT CLEARLY WASNT VERIFIED. 

3. XXXX ACCOUNT # XXXX I HAVE NEVER BEEN 60 DAYS LATE ON THIS ACCOUNT PLEASE UPDATE

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 2018-07-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. WellsXXXX XXXX XX/XX/2017 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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: CO

Complaint narrative:
I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. 

I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused.

I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws?

At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.

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 2018-07-18 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: TX

Complaint narrative:
I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

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 2018-07-18 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: TX

Complaint narrative:
I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

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 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
After an investigated review Paypal had decided to close my account permanently and hold {$6200.00} from me for 180 days. I have complied with everything asked and have confirmed shipment as asked. I have several emails stating that my investigation was completed and satisfied and that my funds would be released. I was also told by several representatives that everything looked good then, I received a horrid email contradicting all other emails and phone calls and was told that my funds would be held. 

PAYPAL CASE ID XXXX

Company response to consumer: Closed with explanation