vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've tried to dispute the Child Support on my Credit report and I have a letter stating when the account was open and last payment made. The information on my credit report is all wrong. No dates are correct or payments made. The account is too old to be on my credit report and fake payments, and open dates are being showed. I sent in proof as well as contacted Child Support and I am not getting the right answers. Child Support is saying they did not send in the information to the credit reporting agencies. The Credit Reporting Agencies are saying they did. 
I am not getting the right information and its not being removed. I sent in all the correct information and 2 of the reporting credit agencies have corrected it. Transunion has not, and while I was trying to explain that this will be my 3rd dispute the agent hung up on me. I called back and talked to as Supervisor who said she can play back the conversation and will get back to me, she never did. 
I need help it is stopping me to obtain a place to live.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to XXXX XXXX in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency JEFFERSON CAPITAL SYSTEM opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than XXXX  XXXX which took first ownership of the collections account to begin with. I believe that I have no knowledge of JEFFERSON CAPITAL SYSTEM made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against JEFFERSON CAPITAL SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I closed on my loan late XX/XX/XXXX/XX/XX/XXXXas part of refinance. I had several thousands in escrow that PHH was supposed to send me a check for. After contacting the company in XXXX about the check they said they will verify that the check wasn't cashed and reissued. I never received any follow up or check. In early XX/XX/XXXX I contacted PHH again and found out that the check was cashed. I was shocked that this wasn't escalated for fraud considering I contacted them in XXXX but nothing was done. This got escalated to fraud department at PHH. Also escalated to a manager whom promised good follow up and resolution. It's now over 2 weeks and I still have not received a resolution. I contacted PHH again today XX/XX/XXXX, was informed by a manager that this is a complicated matter and she hasn't seen this happen again. Again very surprised that most basic case of fraud ( cashing a check ) is something the manager of fraud department considered as difficult and unusual. She also told me that they only have 30 min for research and the rest of the day have to be available for inbound calls. I am so very frustrated and disappointed that this fraud is being ignored and proper urgency is not taken. Pulling a cashed check is a matter of min and if the agents don't have time to do investigations it speaks volumes of what PHH is focused on ... debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent a letter regarding a debt collection attempt for Comenity Bank/ XXXX XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NY

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo continues to post my principal payments through their website to standard payments. In addition they sometimes leave money for escrow or principal in my stanard payments in limbo until I discover the issue and have to contact them. I have contacted them over 4 times regarding this issue and was told they will open tickets and get the site fixed. This has not happened. I will be contacting them today to have another ticket entered to fix the {$1600.00} principal payment fixed.

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 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA Opened XXXX. XXXX, 2016 has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: DE

Complaint narrative:
I contacted XXXX  and and the company claiming I owed them but the bill was covered and paid in XXXX of 2017 and should have NEVER been placed in collections. I even submitted copies of th XXXX  showing XXXX already paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Discover Financial indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Ive made two payments to pay my balance in full to Apple and they took the funds out of my checking account, yet they refuse to update the balance. 


I chatted with a rep who was willing to help and when I went back to get the balance updated the next agents would not do so. 

It is extremely UNFAIR. UNETHICAL. to pay a credit card over $ XXXX and not see that reflect in their balance. I need access to use my card for emergencies and apple is literally sabotaging my life. 

Im a new customer and this is just wrong. Im being punished for paying on time and paying in FULL! 

How crazy is that. Greed is real. 

NOt to mention the apr is 21.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: M&T BANK CORPORATION
State: OH

Complaint narrative:
I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings. 

They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to EOS CCA in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency XXXX XXXX XXXX opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than EOS CCA which took first ownership of the collections account to begin with. I believe that I have no knowledge of XXXX XXXX XXXX made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Paid off a home mortgage with SLS in XX/XX/XXXX. There was a 2 escrow surplus checks ( {$360.00} dated XX/XX/XXXX and {$2000.00} dated XX/XX/XXXX ) issued to the estate of my partner ( deceased in XXXX ). The estate was closed in XXXX. I was the Power of Attorney and Executor Administrator and beneficiary of the estate. The mortgage was in his name which I continued paying. I refinance this mortgage with another company in my name in XXXX of XXXX. 
I have called SLS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I faxed the documentation to SLS on XXXX XXXX as they had requested per phone call in XX/XX/XXXX. SLS confirmed documentation had been received per each phone conversation in XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. Per all phone calls a rep said a check would be reissued to me in my name and they had the necessary documentation. 
Needless to say - no escrow surplus check has been received.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. Theses addresses and misspelling of my name shows several items inaccuracies and do not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am also disputing the misspelling and incorrect spelling of my name, addresses, and telephone number. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/COMENITY/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please Delete Name that does not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE SOCIAL SECURITY NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX they took the amount of XXXX I still have not received a letter confirming the debt is paid. They reported again in XX/XX/XXXXthat I owe and it has been paid. I want removed from all Reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Date of collection : XX/XX/2021 for {$490.00} My mother was / is on XXXX At the time of the service she temporarily was not receiving her XXXX because of her age and not understanding somethings she lapsed. I was able to reactive her XXXX and was able to give the number to medical providers she saw during the time of lapse. After a hospital stay the medical bills were covered however the XXXX XXXX would not take the XXXX number. I have on several occasions ask for them to please take her XXXX. They refused to take it. 
She is not in a position to pay this. I subside her food and other needs and this is strain on my household. 

I have explained the situation to the collection agency and they asked for her medicaid number. I was not comfortable giving it to them although will if it safe to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to XXXX  requesting evidentiary documentation to verify an existing debt with multiple companies. XXXX  failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
On or around XX/XX/XXXX I closed on a no cash out refinance of my primary residence mortgage with a new lender Loan Depot. Prior to the closing I provided them with evidence of hazard insurance along with the new lender mortgagee/loss payee clause. On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Loan Depot informing me that my hazard insurance was expiring and that they did not have evidence of coverage. As a result of this they were going to purchase force placed insurance coverage if I did not provide them proof. I contacted the XXXX XXXX XXXX  XXXX and ask them to fax over the current policy declarations along with the lender clause showing that Loan Depot was listed as mortgagee/loss payee. This was done on XX/XX/XXXX. Prior to requesting my insurance agent to send this fax, I logged onto Loan Depots website and was able to confirm that they had hazard coverage in that there was no expiration until XXXX, XXXX. I called Loan Depot on XX/XX/XXXX and spoke with a customer service agent. They informed me that my agent had sent them proof of coverage and that no force placed coverage would be bought. I requested they send me written confirmation that they had coverage in file and that they would not be proceeding with force placed coverage. They refused to acknowledge in writing this fact that I was not in default and that they would not force placed coverage. They need to be held accountable for sending me a letter informing me that I was in default of my loan terms for failing to provide adequate coverage when in fact they had it before the closing took place. If they are going to send an in accurate nasty gram, they should also follow it up with a letter of apology for their mistake so that I dont have the mental burden of wondering if they are going to Force Place coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On my Three bureaus it is showing that Ally Financial is closed and charged off for the amount of XXXX. When I have a letter form Ally on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated 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 explanation
Consumer complaint received 2021-01-26 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been dealing with TD bank issues ever since I opened my first account with them in XXXX there was something that happened that my account was breached and ever since then I have been dealing with fraudulent activity on my social. now there has been an account that has been hurting my credit for the last 7 years and they will not take it off my credit and keep selling to different collection agencies. the account does not belong to me and every time I ask them to provide documentation they don't send anything and ignore my request. it has hurt my credit so much and now I am at the point I have been trying to resolve this for years and have not gotten anywhere. I have tried multiple credit repair services and nothing has worked and no answer from TD Bank. someone just told me recently that you might be able to help me as I have given up hope on TD bank and the way they operate delivering a bunch of empty promises of getting it resolved and getting back to me when they never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc.
State: FL

Complaint narrative:
Called me on my cell phone I told them I was working couldnt talk proceeded to call my phone 5 times in a row then called my employment I told them to call back later I hung up and they started calling my job 18 times in a row

Company response to consumer: Closed with explanation