vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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: OH

Complaint narrative:
I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).

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 2019-06-25 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 requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXXXXXX XXXX XXXX. I  received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of  the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went to purchase a vehicle at XXXX XXXX cars on XX/XX/XXXX I was initially charged XXXX for the vehicle but after I got my first billing statement for the car I realized that the monthly payment didnt reflect on what agreed to which was {$270.00} the new monthly payment is XXXX I went back on the bill of sale and realized that I was charged for an unauthorized warranty which cost XXXX which caused an increase in monthly payment not only this I have a copy of the warrant that I didnt signed! But I was still charged

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
I am one of many XXXX customers who had their mortgages transferred to PHH Corporation in XXXX of XXXX. I was under a trial modification with XXXX, had mad all trial monthly payments on time without failure. I was waiting the final documents when PHH took over. I mailed a payment on XX/XX/2019 to PHH, only to have them mail the check back to me. Accompanying document stated that the payment ( a certified bank check ) was insufficient. Yet, all other PHH notices indicate no payment is due until XX/XX/2019? 
I sat on hold today for over an hournever reached my relationship manager, XXXX XXXX ( ext. XXXX ). I tried sending an email, but their auto response states Ill hear back from them in 5-7 days. 
I just want to speak to a human, one preferably located in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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 requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the CapitalOne Business Spark Miles credit card when CapitalOne had the promotion of XXXX  miles after {$4500.00} spend and XXXX  miles after total of {$50000.00} spend within 6 months. However, upon receipt of the credit card and notice of the credit line, i was so baffled to see that they only gave me {$2000.00} credit line. It was impossible for one to spend {$50000.00} within 6 months when there is only a {$2000.00} credit line. i tried my best to complete this as to pay off all purchases immediately as they post so that I can get my credit line back for additional purchases. I think Capitalone purposely gives out next to nothing credit lines just to hinder this process of completing the purchases within the 6 months. I have excellent credit and payment history with over 800 credit score. It's insulting to give me only {$2000.00} credit line, and this is a business account too!! To make it worse, Capitalone starts counting the 6 months way too early. I was given a deadline of XX/XX/XXXX to finish the {$50000.00} task, when the card was actually mailed out in the middle of XXXX. So by the time the card arrived in my hands, Capitalone has robbed me almost half a month to complete this task. To me, this is false advertising. It's bait and switch to say the least. Get a consumer to apply for the card with promised incentives, then lowball the credit line, then don't give the full 6 months to complete the task. If you look at my other credit cards/lines, my credit history, {$2000.00} line is a joke. And if I have the full 6 months from the day I got the card and started spending with it, I would have completed the task. i tried complaining to customer service, escalated to the " rewards case manager '', and came back declining my request to extend my deadline. Our company has always a loyal capitalone customer. We put over {$400000.00} each year on our other Capitalone card. I am very disappointed in Capitalone this time on how they treat their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We purchased our home in XX/XX/XXXXand XXXX was original mortgage servicer. After 2 years, in XX/XX/XXXX, my husband lost his job and we were trying to get a loan modification. XXXX  XXXX XXXX took over our mortgage and we were successful in getting a modification but right after our modification - our loan was sold to different servicers at least a half a dozen times. Fast forward to current and we continue to struggle to pay down the mortgage balance because in the modification change process with all the different servicers, the interest we pay on the second mortgage is 11 % and is set for 50 years! We would never have agreed to these terms!! Our primary mortgage is at 5 %. This was all a result of the initial XXXX  modification but we arent making a dent in our overall balance and we cant seem to get out of this interest rate because it was someway and somehow generated with one of the many servicers that we couldnt keep up with all the different companies to track down which one changed the interest rate and terms. It was only after speaking with someone about this and just my overall frustration with our mortgage today - and that they recommended we report this because this is defined as predatory lending and if there isnt a clear track of all the servicers and the changes, it needs to be reported. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TX

Complaint narrative:
This medical debit that is not mine.this debit was paid off by the hospital back in 2015 .i will not pay for a debit that mine.

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 2019-06-25 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: OH

Complaint narrative:
I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: OH

Complaint narrative:
I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).

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 2019-06-25 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: TN

Complaint narrative:
These account don't belong to me and or I never made late payments on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to XXXX XXXX XXXX. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. XXXX bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
XXXX XXXX XXXX {$790.00} I contacted TransUnion but they keep saying there is a glitch, or an error on file. They can't remove it they say. TransUnion is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.

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 2019-06-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I had a fraudulent inquiry on XX/XX/2019, that resulted in a credit card that was approved. I immediately contacted the credit card company and they closed the account and issued me a letter of apology and acknowledged it was fraud. 

I contacted Equifax to dispute the inquiry online on XX/XX/2019. Within a few days, ( XX/XX/2019 ) Equifax came back with " Inquiries are a factual record of file access. '' This can not be true based off of the letters sent to me by the credit card company. 

It is my contention that Equifax did not properly look into this serious dispute. Had they done so, they would have come to the same conclusion as XXXX XXXX and I did -- that this was a fraudulent inquiry and should be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MN

Complaint narrative:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( two trade lines on my Transunion credit report ), 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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Attempted to make a $ XXXXXXXX purchase with a newly received credit card from Capital One. While at XXXX XXXX the credit card was declined. While calling capital one it was told to me it was a fraud prevention block because of the dollar amount. I contacted and verified the amount. The representative with Capital one had XXXX XXXX try it 4x and still no luck. I called again after work and waited on hold for 12 minutes before being hung up on. It was then explained they placed the card into another fraud tier that required a new card be sent out. No correspondence at all to me. When calling and talking to supervisor XXXX employee no. XXXX he had horrible customer service and could not explain the fraud or why I was getting another card. I applied for this card for the points and every purchase that gets me closer to my points is declined. They are unable to fix my points or rectify the horrible customer service. I would have went with the XXXX card had I known.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I initial sent a request to Transunion when I noticed some items that were reporting incorrectly, mainly a Bankruptcy and late payments. I sent my initial letter to Transunion on XX/XX/2019 in which I received a letter back stating that the BK was verified and had been updated which they placed an attorneys name which wasn't my attorney. I sent a SECOND letter on XX/XX/XXXX asking for their method of verification since they verified the information and updated the attorneys information. I never received a response from that letter. I sent my third letter today before I pursue litigation as they are in clear violation of my rights under the FCRA to have a copy of the original documentation for whomever reported this information since they verified this information. I also sent a letter regrading my late payments on two specific accounts. They stated the " late payments '' were verified by the creditors and sent my copies of my balances for 6 months. Nothing again showing where my payments were actually received late. 

I have also made a THIRD REQUEST for Transunion to update my personal information on my credit report and this information as of date has yet to be done. I have sent the verification information such as my drivers license/ SS card on three separate occasions showing my COMPLETE ADDRESS and also my name as it should appear.

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 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Getting sick was the worst mistake that I ever made in my life.The medical bills are outrageous and un-affordable, The company continually takes my life away from me and penalize me for being sick. I am a single mom who pay check is completely gone due to the fact that I cant afford to live and I definitely cant afford to be sick.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Closed with explanation