vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
Amerifinancial solutions has been consistently harassing me with a bill for my sons medical expenses from 2 years ago and he has always been covered by Medicaid insurance. I informed them during the first call and called my insurance. My insurance did an investigation and found that the bill was paid and was not my responsibility and also spoke to the supervisor at Amerifinancial solutions and faxed them proof. They are still nonstop calling me trying to collect a debt and acting like they havent been in contact with my insurance when my insurance already resolved the problem. I have asked to speak to a supervisor and consistently told them to contact my insurance and they continue to run me around in circles and not stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I had 4 collections on my credit report with Credit Systems Inc. I was told by the company that if i paid them that they would remove the collections from my credit report with the 3 credit bureaus. I have paid the collections and have repeatedly tried to get the company to remove the collections from my credit reports but have not been successful. I have also tried to get them removed by going directly to the credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
My ex husband received a call on XX/XX/XXXX from a portfolio recovery looking for me. I called them back, they stated that they are collecting a payday loan from either " XXXX or XXXX '' and if I didn't pay them they would see me in court and have me arrested. I stated that I declared bankruptcy in CT in XXXX, and that all of my debt was included, they said this slipped through the cracks. Their " paralegal '' got on the phone and demanded I pay today to avoid jail time. The phone number they called me from is XXXX, which comes up as a roboxall on XXXX. Lots of threats over an apparent debt that they can't produce documents for and just wanted me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I reported XX/XX/2019 Identity Theft / Fraud where someone opened up a credit card with my personal information at WELLS FARGO. Wells Fargo approved this card. It was opened XX/XX/2019 while I was outside the country. Amount {$17000.00} is the balance owed on this card. Whoever opened the card paid 3 months which were XXXX XXXX and XX/XX/2019 then defaulted in payments. That was how I found out when it showed up on my credit report and my entire credit was destroyed. 

I have been back and forth with Wells Fargo for 3 months now and my last call I was refused an update and told to go to a Wells Fargo branch to find out new information, if any. 

I want this dispute resolved and removed from my credit report so that my credit returns to excellent. 
Please help, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter telling from XXXX XXXX stating Quicken loans would take over my account. I called Quicken loans and confirmed they would mail a bill with my new account number. On XX/XX/XXXX I received a LATE NOTICE!! This was my first correspondence from Quicken Loans. I could not pay a bill I never received! I didn't even have an account number. The 1st representative I spoke too told me they would not report to the credit bureaus, but they did!!! I also explained that we are affected by CA wildfires, and our mail has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Verisk Analytics Inc
State: UT

Complaint narrative:
I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
At the beginning of XXXX of this year, I notice on my credit reports Fifth Third reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and Fifth Third was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted Fifth Third Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have spoken to three managers at Bank of America regarding the XXXX dollar fee that I have been getting on my savings account since XXXX. Due to extremely low interest I did not care about my savings account, i've had it set to send XXXX dollars from checking to savings since i was XXXX. I could have easily had XXXX in there to avoid the fee if I had even known about it. I called in and spoke to a manager named XXXX, he was only able to credit me XXXX dollars out of the well over XXXX I've received in fees for the past two years. I requested the matter to be escalated to the next manager. He was the worst banking professional I've ever spoken to. His name was XXXX, ID # XXXX. He was condescending, talked over me, very unpleasant tone. I've been a customer with Bank of America since XXXX. It's absolutely silly to me that they wouldn't give me back my request of XXXX dollars. This is the amount I could see that was taken from me since XXXX of XXXX. The fees started in XXXX, however so there could be more that I don't even see. I had only requested the XXXX. They didn't care - They basically told me to be grateful for this amount. Closing my account after the dust settles ... They just would not budge with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 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: CA

Complaint narrative:
i've sent the credit bureau XXXX  and transunion documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX   on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I applied for a mortgage loan with Rocket Mortgage in XX/XX/2019. I was pre-approved for a loan and had completed all paperwork and documents required. I had asked multiple times if there would be any problems with my loan. I was told every time that the loan is good and that there are no problems. I also got a second pre-approval for a higher amount. My current home is under contract being sold and the new home I was looking at is also under contract to be purchased by myself. Again I verified that there was nothing that would hold up the loan or to be worried about getting denied. All of a sudden I get a call on XX/XX/2019 stating that my loan is denied and there is nothing I can do about it but submit this complaint. I tried to get information but kept being told that my loan is denied and would never be looked at or reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I had 3 collections on my credit report from credit systems , inc and i was told by them that if i paid them then they would remove the collections from my credit reports. i have tried unsuccessfully to get the company to remove the collections like they said they would. I have also tried to get them removed by disputing the collections with the credit bureaus.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have everything or had everything from our car loan, insurance, banking, etc. with USAA. 

I have never had a problem with them until now XX/XX/2019 at XXXX. They sent me a letter of Decision from a XXXX XXXX XXXX, I asked to speak with him about the Letter and was told by XXXX no last name, that no one can speak to him so I asked for a secretary was denied associate denied. I have a serious complaint and will take it up with XXXX XXXX XXXX, Ms XXXX and Ms. XXXX stated I must speak to there Resolutions and they said although your information has changed you need to fill out a totally new application. I applied for XXXX and already have 5 loans with USAA 1 paid off. I never missed a payment and been with USAA for years. I demand this loan be re reviewed and tell me why someone sends you a letter of a powerful decision and will not come forward to answer my questions about said letter. Not just push papers thru and numbers we are human beings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: GA

Complaint narrative:
Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything unless I send in my deletion request letter. I have mailed my letter on XX/XX/2019 and have heard nothing and the inquiry is still listed. The company XXXX, XXXX, XXXX XXXX XXXX has no record of me in their system. I have no application or means of an account for the inquiry to even appear on my report. Im filing this report and listed inquiry as fraud. I have been asking TransUnion to remove this inquiry from my report. I also will be mailing another letter to the company once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I left XXXX University in XX/XX/XXXX I had a balance of {$6200.00} in which I was making payments up until XX/XX/XXXX with a remaining balance of {$4200.00} when I went back to school at the University of Florida. I made one more payment at XX/XX/XXXX to drop the balance at {$4000.00}. From my understanding as long as I am in school at a part time capacity or better and after graduation I have a 6 month grace period. I recently discovered that my credit score got affected negatively in XXXX of XXXX so I asked for my credit report in which it showed that XXXX XXXX reported to XXXX, XXXX, and Experian that my account was delinquent. I've contacted them on 3 separate occasion trying to settle/dispute this account in which I was made to pay {$300.00} on XX/XX/XXXX which they never explained that the account was active again but I was told on 2 other occasion that this was still delinquent because it was past due 90 days and it was suppose to be in the delinquent department which they refuse to give the number for. Now I called again today and was told that the account is not delinquent.

My complain is with the action they took they have damaged my credit score significantly tha
t it dropped over 200 points. I have never received any type of communication from them either mail, phone calls, or email and I was told that they have tried reaching me with all of this but I have never even received a voice mail. Upon receiving my credit report I see that they have been billing me from XXXX and from my understanding I have a 6 month grace period upon graduating from school which I graduated in XX/XX/XXXX. I wasn't even given a 6 month grace period on top of the fact that they never sent any type of communication to me. 

I understand that I owe the loan but the way they handled the matter and destroyed my credit score is what I'm fighting for. I want them to remove the negative notes they sent to XXXX, Experian, and XXXX  and fix my credit score. I have a attached a copy of my credit report showing that they have started billing me 1 month after graduation without any communication. This is not fair practice from a financial institution and is a irresponsible actions that can cause possibly not getting a job, can't find a place to stay, or can't get a loan for a home because they ruined my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: UT

Complaint narrative:
I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted LexisNexis asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.

Company response to consumer: Closed with explanation