vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: IL

Complaint narrative:
I have multiple fraudulent inquiries that I have disputed with original creditor that confirms that they should be removed. I have sent the same dispute to Trans union on multiple occasions and I was informed that they will not dispute then or remove them. Trans union reps informed me that I must contact the original creditor to have them removed, in which I have done so. The original Creditors informed me to dispute with trans union. I have requested validation from trans union on these inquiries on my credit report 4 times with no response or reply. the inquiries of question are for listed below : XXXX Dated XX/XX/XXXX XXXX XXXX XXXX BRANCH OF XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX For Dates ONLY XX/XX/XXXX & XX/XX/XXXX These accounts and Dates I did not do business with these organizations and/or authorize my credit file to be pulled.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XXXX I have had an issue with all ( 3 ) three reporting agencies not reporting information regarding the status of my accounts. some are showing closed when they are open and many that have been paid off are showing as been closed, with no information to show the loan had been paid in full. These things continue to keep my credit score low and accounts that I have had since XXXX I am not seeing on my report thereby shorting my credit history on purpose. I have asked via email and letter for these things to be corrected. However still to this date nothing has changed at all.

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 2020-05-28 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
I have been trying through XXXX  and Rushmore to have the delinquent status of the Rushmore removed from my credit report. I filed a dispute with XXXX  and supplied documentation from Rushmore of the payment accurately made and that Rushmore had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information XXXX  has and investigation of the dispute not handled and below is the email received on the XXXX  dispute Results Report Number : XXXX Date Generated : XX/XX/2020 RUSHMORE LOAN MGMT SER Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from Rushmore acknowledging ( which has been supplied directly to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was overdrawn on my checking I paid the fee and amount when I received my Stymulus payment, Then I received my XXXX payment a few Days later, I received an Email from The Bank saying a I received a credit for the exact amount of the overdrawn amount plus the fee.They said they would inform me when they would deduct the amount. My Bank statement shows what I paid then it has the credit they so called gave me, why would they say they gave me a credit if I didn't need it Funds where already there. It's another way to take money that's not owed from me its just.an illusion but on paper. 
This is very alarming due to this Situation of this Pandemic. I am XXXX and rely on my XXXX for survival.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ME

Complaint narrative:
Amerisave : NMLS ID XXXX : Loan Originator : XXXX XXXX XXXX ID XXXX Predatory lending : the loan originator quickly received all information and documentation XX/XX/XXXX and processed an {$500.00}. application fee which I was told by XXXX would be returned to me. Disclosures were provided with inaccurate information which despite numerous attempts ( 6+ ) to have corrected XXXX would not respond to requests. 

Fraudulently re-dated and resubmitted documentation to make it look like documents were outstanding ( Appraisal which as completed on XX/XX/XXXX and then re-dated for XX/XX/XXXX ). Made changes to my homeowners insurance without proper authorization. When questioned he still did not respond. only when a loan processor named XXXX XXXX was involved was I provided with an updated disclosure with more inaccurate information and inflated closing costs and fees without reasoning, then making my monthly payment larger than it currently is. 

When i requested my application be immediately withdrawn because these were not terms which were agreed upon, I was told it would be closed " as soon as they could ' I then received a notice of credit denial stating I was denied for not completing application documents which is not truthful. The termination paperwork should be identified as closed at borrowers request. They did this intentionally to deter future possible lenders. I requested this be corrected 2x and have once again been ignored. 
They have intentionally damaged my credit by multiple had inquires/dragging out the loan process. 

Amerisave does not allow direct customer service contact. emails to XXXX XXXX XXXX go unanswered. Phone calls go to a generic voicemail and do not get returned, or routed directly to the loan originator ( XXXX ) who refuses to correspond or address these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX  is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by XXXX. I worked very hard to rebuild my credit. I was these 2 off my report. I have called XXXX   and email and sent bankruptcy papers and no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: OH

Complaint narrative:
I booked a hotel room for XX/XX/XXXX - XXXX using my Capital One card. It was booked through the Captial One Travel that's linked to the card. I paid {$270.00} at the time for two nights stay that was charged immediately to my Capital One card. When I arrived at the hotel on XX/XX/XXXX there was a sign on the door that stated that it was closed due to the Covid-19 concerns. I was forced to drive to another hotel and book another room. However my card was still charged for the original room with a closed hotel. I contacted Capital One that advised me they would back charge my card and remove it from my account. It was handled within a few days and the charge by Capital One Travel was removed. Then on XX/XX/20 it was re-charged again and I was told that the booking was non refundable and could not be reimbursed by Capital One Travel on my Capital One card. How can I be charged for a hotel that was not even open?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
There are two parties involved : XXXX XXXX. XXXX  in XXXX XXXX and their debt collection agency, Capital Accounts LLC. 

XXXX XXXX. XXXX  in XXXX XXXX repeatedly charged me for misleading amounts without letting me know. They would quote me I need to pay a certain amount, assuring me the rest would be paid by insurance. The insurance company never paid as much as expected. XXXX XXXX. XXXX 1. systematically underestimated the amount covered by insurance to trick consumers into buying procedures and 2. hid the debt from the consumer until it was too late. It is visible that they misrepresented the true cost of the procedure from the billing sheet - I always paid the amount expected on the day of, and then they either collected less from the insurance company or increased the price retroactively. A one-time mistake would be plausible, but it happened almost every time. I received no notification of these debts until recently, 3 years later, when Capital Accounts LLC showed up on my credit report.

Capital Accounts LLC is misrepresenting the amount owed. Even XXXX XXXX XXXXal shows that the debt is {$1200.00}, but Capital Accounts LLC fraudulently lists it at over {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: GA

Complaint narrative:
Since XXXX I have had an issue with all ( 3 ) three reporting agencies not reporting information regarding the status of my accounts. some are showing closed when they are open and many that have been paid off are showing as been closed, with no information to show the loan had been paid in full. These things continue to keep my credit score low and accounts that I have had since XXXX I am not seeing on my report thereby shorting my credit history on purpose. I have asked via email and letter for these things to be corrected. However still to this date nothing has changed at all.

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 2020-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED 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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Shellpoint Mortgage is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by Shellpoint. I worked very hard to rebuild my credit. I was these 2 off my report. I have called Shellpoint and email and sent bankruptcy papers and no response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC won't let me link my account to an investment platform

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal Inc. has put limitations on my Paypal account/wallet 3 times in 6 weeks. Each time they are asking for the same information, A photo Copy of my ID, and receipts from my vendors for items which I have sold. Each time I have submitted the same information and they have lifted the limitations after around 7 days. During this time I have been trying to transfer my funds from my Paypal account into my linked personal bank account to pay bills. On XX/XX/2020 after my account limitations were lifted I tried to transfer funds. Paypal put a hold on the transfer and then the same day they had lifted the limitations, they limited them again and denied my transfer! They are now asking for the exact same information I have already submitted multiple times, which resulted in a 7 day wait and ultimately a lift on the limitations and then another limitation being placed as soon as I try to access my funds. I have reached out to Paypal in a chat, which is the only way you can communicate with them right now. Paypal has refused to have someone look into my account and will only tell me to keep submitting what they ask for. Which is getting me nowhere. I am afraid they are doing this to many others and at a time like this there is no excuse for withholding their account holders money. Please look into this so I can pay my family 's bills. Thanks, XXXX XXXX ID - XXXX, Reference ID - XXXX, Reference ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: KS

Complaint narrative:
Mistakes and delays in issuing escrow refund for paid-off mortgage loan. 

This servicer sent our mortgage escrow refund to the wrong address, then stated we needed to wait 30 days to reissue the check. After 30 days, they claimed we needed to submit a change of address form via fax or mail. It then took over a week and 2 faxes and an email to get the address corrected. 

After this was finally accomplished, they stated a new check would be issued in XXXX days. After 10 days had passed without reissue of the check, Dovenmuehle Mortgage 's reps and supervisors offered various excuses including " mail '', address changes, " process '' etc. 
We have waited 2 months for the return of this money and have made 9 phone calls, 2 faxes, 1 email over the past month on the matter. 
They still claim the refund is " processing ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF 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 2020-05-28 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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF 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 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX l made contact with Toyota Financial Services Administration and spoke with a representative in regards of cancellation on my Gap insurance and Extended Maintenance Service. 
Toyota Financial Services representative stated that Gap insurance was cancelled, and he told me that l had to send him a fax on my Gap cancellation fax number XXXX. 
I told rep, that I sill send the fax, but l opted to send my written cancellation by email to XXXX XXXX dealership Finance Manager Mr.XXXX  and l did email him on my cancellation with vehicle vin number and recent mileage on Vehicle in mileage is XXXX. 
Toyota Financial Services stated that they was charging me {$50.00} for Gap insurance cancellation and l was going to receive only {$900.00} instead of {$1000.00} in refund. 

Also, l respectfully requested cancellation of Extended Maintenance Service with XXXX third party XXXX XXXX XXXX, their representative has told me on pre.recorded phone conversation that l had to contact XXXX California XXXX dealership Finance department to cancel the extended Maintenance Service on my vehicle. 
I did made contact with Mr.XXXX  in the Finance Department and he hasn't responded my email on my cancellations. 
Extended Maintenance Service is {$1000.00} and there is another XXXX fee to cancel. 

I sent emails to XXXX XXXX Customer Service Ms.XXXX XXXX   and Customer Relations Director Ms.XXXX  XXXX, and they have not responded.

Company response to consumer: Closed with explanation