vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: IL

Complaint narrative:
I received a XXXX  back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email XXXX  customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.

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 2018-07-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
My XXXX XXXX XXXX  was bought out by another company. The company is Selene Finance. I was never notified. I went to go pay my bill and saw the loan was removed due to  release on XX/XX/2018. I had to call XXXX to ask why this had happened. It took me about half hour to get through to them due to high call volume. They informed me that my loan had been sold to Selene and gave me their number. I asked why I had not been notified and she just said I am sorry you were not notified. 
I called Selene after being on hold for about twenty minutes. The rep. asked for my info and after getting it told me that this phone call was an attempt to collect a Debt. I told him that my account was not delinquent and he said yes that is true. He gave me my account number so that I would be able to complete my online account. I asked him why I was not notified since the first payment would be due on XX/XX/XXXX. He said that I would be receiving a packet in the mail very soon and then I could mail in my payment. I asked why I was not notified sooner, he had no answer. 
If I had waited for them to get me this info by mail and then mail it in, the payment would have been late. I completed the online account with Selene and scheduled a payment for XX/XX/XXXX. I see on the XXXX  that many people have gone through this with not being notified and then having late payments. Also it seems that this company has a problem with posting payments on time and others going in to foreclosure due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OK

Complaint narrative:
Our mortgage was originally issued by XXXX XXXX starting in XX/XX/XXXX. Following a change in insurance providers in XX/XX/XXXX, we made a XXXX {$3000.00} payment to our escrow account that they incorrectly applied to our principle. We became aware of the issue in XX/XX/XXXX and called to get it corrected by XXXX. During that time in XX/XX/XXXX, XXXX sold our loan to SunTrust, and again did not get the escrow mistake fixed. In XXXX we received an escrow summary from SunTrust showing that we were still short. XXXX claimed they did not have any of the prior history on our account and said it was our problem to sort out. After many calls with both companies, XXXX got the escrow shortage corrected. 

We then received three letters from SunTrust, all dated within three days of each other. The first letter notified us that the escrow mistake was corrected and apologized for the inconvenience. The second letter notified us that we missed our XX/XX/XXXX payment and were now in default, despite the fact that SunTrust did not have our account in XX/XX/XXXX and we have copies of the XX/XX/XXXX mortgage check that was cashed by XXXX. The letter mentioned that we have 35 days to get this resolved. The third letter was on mortgage assistance since we were now in default and in jeopardy of foreclosure. 

The XX/XX/XXXX bill just showed up and now all the sudden shows we owe double our standard payment. All of our previous monthly mortgage bills from SunTrust showed we were current and our personal bank shows each check was cashed. When we called SunTrust to figure out what the issue was and where this shortage all the sudden came from, we were transferred around to multiple representatives but no one could explain what happened. Their customer service reps were severely lacking in information and were unable to troubleshoot or provide us any solid information regarding this matter. When asked to be transferred to a manager, they are never available and my wife and I have wasted multiple 45 min to one hour phone calls with no progress or explanation. We are still waiting on someone with SunTrust to pull all of the records, figure out were the sudden shortage came from, and call us back. 

We have explained multiple times to SunTrust that we will gladly pay any real shortage we may owe, but given their previous issues with applying payments correctly and miscommunication with our previous mortgage lender, we first want an explanation as to where this issue came from to make sure its legitimate.

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 2018-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
This company is calling me threatening to contact my employer they are also calling my family leaving voicemails saying they have my # SS number and they will follow nd me and I cant hide. They have been asked to stop the calls but will not. They will not disclose who they are the only reason I found out is because I had been making payments with h them but I felt like Im paying money that I dont owe. The amount it more than the original loan considering I already made payments on the account. I told them I was having financial hardship and could not afford the payments but they continue to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
Toyota Motor Credit is reporting a repossession on my credit file for my auto loan on the car that is still in my possession and paying faithfully every month. They are in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
We were applying with Wells Fargo for a mortgage n XXXX ok. The agent said we were approved. The she, XXXX XXXX, took the action under a Wells Fargo to take a personal line of credit or debit card out against our request or knowledge. We were then declined on the mortgage but our credit dropped and we endured personal stress. We were dealt with in bad faith by what appears as fraud. We received a check as a result for {$64.00} from XXXX vs Wells Fargo. As our share of the settlement agreement. We need a fair settlement for being financially abused, defrauded, bad faith, and decline of credit rating. 
It is unsatisfactory that attorneys we did not hire get huge settlements and Wells Fargo pays hundreds of millions while victims get nothing fair

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 2018-07-23 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:
TransUnion Allowed, and authorized an inquiry on XX/XX/2018 for XXXX ( XXXX XXXX ) this is a fraudulent inquiry. I called the fraud victims assistance line. I was then transferred to a fraud specialist which told me he couldnt help me block the fraudulent inquiry from my report even though I stated I didnt authorize it. They also have my police report on file. Additionally the agent was very rude. He said he would transfer me to a supervisor and never did.

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 2018-07-23 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: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX/ XXXX XXXX , XX/XX/2018.

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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/18 and XX/XX/18 I sent in 609 letter asking XXXX  to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review 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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I filed a complaint against Transunion with your organizaiton in regards to an error on my credit report, they never responded or verified the information. On XX/XX/2018, they reported a late payment on my account. I went on-line to submit a dispute and received an error message that I could not submit dispute online. I called the XXXX number and reached someone that did not speak or understand English very well. He obtained my information and said they would investigate my dispute. During this period, Tranunion has continued to decrease my credit scored first by 30 points, now today by 70 points. From XX/XX/2018 until today, my credit score has dropped a total of 100 points for an error on in my credit file showing a late payment. I can not reach anyone and I don't know what to do

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 2018-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX  to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX  is hurting my credit score. I have had no material changes in my credit since XXXX  first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: Innovis
State: OK

Complaint narrative:
innovis is reporting incorrect information on my reports.

1 ) XXXX account # XXXX 2 ) XXXX   XXXX XXXX XXXX # XXXX  3 ) XXXX XXXX XXXX account # XXXX  4 ) XXXX  account # XXXX 5 ) XXXX   XXXX account # XXXX  They are saying these account have been verified as belonging to me and none of them are my accounts. There is another person in the state of Oklahoma with similar social security number and same name that has been identified on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the information on my Experian report about a student loan. The original company, XXXX / XXXX ( acct XXXX ) is showing negative information about the student loan when I wasn't able to pay. The loan has been transferred a couple of times and I have been paying regularly. The company that now has it is XXXX XXXX XXXX ( account XXXX ). This negative listing from XXXX  is impacting my ability to obtain a higher credit score and impacting my opportunity to own a home reflective of my earnings. I would like to have the negative listing removed and for all 3 of my credit reports to show my current payments towards this debt.

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 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 Capital One, Quicksilver Rewards I have written to Capital One to stop sending me their details about Capital One Quicksilver. I DID NOT ASK THEM TO SEND ME ANYTHING, I DID NOT CONTACT THEM.

I've called XXXX to no avail. I have told them this is how fraud starts - with someone else getting their hands on these mailings and opening an unauthorized account in my name. THEY DO NOT CARE! They have sent me one letter for the last six months. They claim they can't stop them from coming! That is a lie!!!!

I want this to stop! I did not contact them, I do not want their card, I do not want potential fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
While on vacation in XXXX, XXXX I purchased {$2300.00} worth of custom clothing from a company called XXXX XXXX. The clothing was supposed to be completed within 48-hours for pickup. After more than three weeks and more than seven visits to the store, the clothing was still not ready. After multiple requests for refunds, the company refused to refund the money. They attempted to mail me the products in the US, and since the products were incorrect each time I stopped by their store and since they refused to refund the money, I had already filed a dispute with my credit card so I refused to sign for the products. Since this company showed they attempted to mail " something '' to my residence, both Capital One and XXXX refuse to assist me and have sided with a foreign company notorious for fraud and scams. In my most recent conversation with Capital One I requested twelve times during the conversation to speak to a Supervisor, and Capital One refused to help. I have been a card holder with Capital One for 17-years. At this point, the company in XXXX has my money and I do not have the product purchased- and Capital One and XXXX refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc
State: CT

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My account was closed due to one monthly bill payment that didn't clear my bank. I have made many on time payments and I do not understand what happened. No one can explain the situation and how a creditor can do this. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Asked for verification of debt ( have been asking since 2016 ) nothing has been sent and company has called my job and gave false information to the Bureau XXXX, XXXX and 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