vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX  : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX  XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL 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 2020-02-03 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: GA

Complaint narrative:
XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX : Account Number : XXXX  -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened :XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : JXX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened :XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   XXXX XXXX : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened :XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -OpenedXX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX   GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 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: CITIBANK, N.A.
State: PR

Complaint narrative:
There's an inquiry in my credit report XXXX that wasn't authorized.

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 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I have asked for verification of debt and it has not been provided. Making sure this is not represented to my credit profile. 
See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, Hopefully you've heard of the Walmart/Capital One disaster. Cap1 took over Walmart 's Credit account 's, the switch was in XXXX. I attempted three times to login to Cap1 to set up the new account and pay my bill, and set up autopay in XXXX, before the switch and after the switch. 

This has happened to ten 's of thousands of people from what I'm seeing online. There was barely any notice then we could not log in. Late payments have been reported on us that have always had perfect payment history. I had two late payments reported, which subsequently led XXXX XXXX  to close my {$4000.00} XXXX XXXX account. 

The two late payments and Closing of a {$4000.00} account has caused my score to drop almost 200 points! 

I had ZERO late payments ever until this Cap1 takeover. I made the attempts to pay my bill. Now my credit is scarred for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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:
I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this company.

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 2020-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Comenity Bank has called my parents home multiple even though I do not reside In their home and have not for years multiple times during the day harassing my parents for my contact information, even though they already have it. They attempted last to call and obtain this information on XX/XX/2020 at about XXXX today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Everytime I contact American Express to see if my application for a corporate card was approved -- they apologize and tell me they are still working on it. They say the same thing over and over. It's been 6 months since I applied. Pls note just 1 of my chat sessions below : Thank you for contacting American Express Global Commercial Services. My name is XXXX. How can I help? 
You at XXXX, XX/XX/XXXX : Hi XXXX how are you doing this afternoon XXXX at XXXX, XX/XX/XXXX : I'm well. How are you doing? 
You at XXXX, XX/XX/XXXX : I would like to know the status of my application for the Amex Corporate card program You at XXXX, XX/XX/XXXX : I put an application in XXXX and have contacted Amex on several occasions and i have not heard anything. 
XXXX at XXXX, XX/XX/XXXX : Okay. I'm in a new acquisitions channel so I don't have access to see your application. You can get in touch of the representative that was assisting you with the application or you can contact our corporate help desk. 
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : What department should i go to because i am not getting any help from my representative XXXX at XXXX, XX/XX/XXXX : what's the name of your company? 
You at XXXX, XX/XX/XXXX : XXXX XXXX You at XXXX, XX/XX/XXXX : here is an email i got from XXXX on XX/XX/XXXX where XXXX said this was unacceptable and way past XXXX 's You at XXXX, XX/XX/XXXX : Hello XXXX, Thank you for reaching out via our chat channel this afternoon. I understand from that conversation that you have an application that has been delayed well beyond the normal timeframe. I am currently doing research on your account but just in case I am sending my direct contact information as you requested. 

Best, XXXX XXXX | DIGITAL SALES CONSULTANT | U.S. COMMERICAL ACQUISTION GROUP GLOBAL COMMERCIAL SERVICES AMERICAN EXPRESS XXXX at XXXX, XX/XX/XXXX : I found your opportunity I can reach out to the representative to have them get back to you on the status. 
You at XXXX, XX/XX/XXXX : I was last told that it would take 5 to 10 business days and now it has been 14 days You at XXXX, XX/XX/XXXX : I do not want to be dished off again to someone else that will not help me. 
You at XXXX, XX/XX/XXXX : Can i get a manager in charge of that department You at XXXX, XX/XX/XXXX : I need to speak with someone that can help me. An application should not take 5 months this is ridicoulous XXXX at XXXX, XX/XX/XXXX : I'm sorry that you haven't received a decision yet, I know that can be very frustrating. If you would like to provide me your phone number I can have one of my leaders to contact you so we can get an update on your account. 
You at XXXX, XX/XX/XXXX : Okay. I need someone to call me TODAY. My phone number is XXXX XXXX XXXX Direct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was charged for an apartment under my grandma and I 's name, she lived in California and cosigned for me and I lived in the apartment, so she wasn't there, we were just cosigners on it at XXXX XXXX XXXX XXXX  in XXXX, Texas XXXX. They posted a bill on the account under both of our names after I moved out due {$500.00}. My grandmother paid it in full, and then they sent me the bill of it afterwards. They charged both of us {$500.00}. They received the first {$500.00} payment from one person ( my grandmother ) and sent me a bill for {$500.00} as well, attempting to collect a total of over {$1000.00} dollars. After my grandmother payment, ( which she had to send in twice to the apartment complex, in which time she had them send it back once and cancel it once which I have email documentation between her and a worker there about it dated XXXX of her check stub payment and full with one XXXX XXXX at XXXX XXXX XXXX ), the account balance should have been zeroed. But I still received a bill. I have email correspondence proving she paid the amount in full, but yet I am still receiving mail in both my grandmother and my names separately from RentDebt Automated Collections  XXXX XXXX XXXX, XXXX, Tennessee XXXX that were sent over from XXXX XXXX XXXX for {$500.00} for both my grandmother and I to my current address. They have posted it on my credit and it went down 47 points. I received another collection today XX/XX/2020 telling me to " settle it '' by now paying {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: TX

Complaint narrative:
DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have a Target REDCard with a small balance. I tried to set up automatic payments in XXXX, like I do for all of my bills. I thought I had done so. I never received a notice or bill until XX/XX/XXXX when target advised me I was very late on my payment and late fees were due. 

I have tried unsuccessfully to make an automatic payment of the balance due. Target simply responds to me that there is nothing it can do, and that I must pay the substantial late charges I have returned all of the items purchased from Target. I have sought technical assistance and still can not set up automatic payments online. The website is not easy to use in this regard. It will display all of the checking account information I insert to authorize automatic payments, but it is difficult or impossible from that point to do anything else. Apparently, even though i did all of that, no payment from my account was actually made. I have contacted target multiple times by phone, but no one to whom I have spoken either can or will do anything at all to assist me. 

This is simply unfair and must be illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: DISCOVER BANK
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Submitted an application through Wells Fargo and they are denying my application because I have a fraud alert this is against the law and they are violating my rights. They advised that they can not verify my phone number because of a third party company that they refuse to name. It is my right as a consumer to dispute any information that is not accurate to include a third party company not being able to verify my phone number that is listed in on my XXXX  credit profile and is also the same number they have verified multiple times in which I call them through.This is not fair and Wells Fargo is discriminating against me because I have a fraud alert.

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 2020-02-03 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX XXXX {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. credit collection serv {$910.00} date open XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: ACI Worldwide, Corp.
State: NY

Complaint narrative:
while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX  XXXX  {$31000.00} date open XX/XX/XXXX 2.XXXX  XXXX  XXXX  XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX  XXXX  XXXX {$910.00} date open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
Received a letter dated XXXX of XX/XX/2020, from Barclays of XXXX, Delaware XXXX, that they had inquired about my credit score. I do not recognize this company. I did not authorize them to look up my credit nor did I inquire about any kind of card or services of theirs. Attempts to contact their complant department using a phone number on their website ( XXXX ) do not result in contact with any human being, and they provide no other number in which a human seems to answer. That is my extent of an inquiry with them as it made it nowhere. I would like to find out who authorized a credit search, copy 's of all documentation related to this, as well as an explanation as to why they can search my credit without my consent. Application # 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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX PHH has an open loss mitigation review for this short sale, yet there is an active foreclosure date. We have explained to them that this is a violation of Federal and State Laws regarding dual-tracking. They are refusing to  postpone the auction date. 

-- -- -- THIS IS ILLEGAL AT THE FEDERAL AND STATE LEVEL AND I WANT ACTION TAKEN AGAINST PHH -- -- -- - I want the foreclosure date put on hold as per Federal and State Law. 

CC : Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My VA Loan was purchased by XXXX in XX/XX/XXXX. They are in the process of selling the loan to New Rez and the transfer will occur on XX/XX/XXXX. My home is in escrow and will fund on XX/XX/XXXX but New Rez stated that they can not accept the payoff until XX/XX/XXXX which will accrue an extra {$700.00} plus in interest and delay the close of escrow. I've been on the phone with New Rez for over an hour with no resolution. 

The New Rez account # is XXXX The XXXX account # is XXXX My name is XXXX XXXX XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX My phone # XXXX My e-mail is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I am a mortgage banker at XXXX XXXX  in the XXXX, GA office. I am having a problem with the company, Bayview loan Servicing LLC. To make a long story short, my client purchased a mobile home with land from the executors of the Estate of XXXX XXXX XXXX and the Estate of XXXX XXXX XXXX on XX/XX/2019. The address of the property is XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. My client did not want to retire the title so we have been waiting on this company to release the title since this past XXXX. The company will not speak to me but they will speak to one of the executors. They have told the executor that they mailed the title to the office of the closing attorney ( XXXX XXXX in XXXX Ga ). The also informed the executor to not call them back. Mr. XXXX has not received the title and informed me to file a complaint. The phone number I have to the company is XXXX, but there is a different phone number for them online. The loan # is XXXX. All we need if for them to release the title so my client can apply for a new one. I would appreciate any assistance you can give me on this matter. Please let me know if you need any additional information.

Company response to consumer: Closed with explanation