vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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:
There are a couple of accounts listed on my reports that aren't mine. Please remove them.

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 2021-03-22 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: MN

Complaint narrative:
There are a couple of accounts listed on my reports that aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: WHEELS FINANCIAL GROUP, LLC.
State: NV

Complaint narrative:
The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also XXXX  has that I have all late payments but XXXX  has that I have on time payments. Which means both credit companies are supposed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: American Recovery Service Incorporated
State: CA

Complaint narrative:
XXXX  / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from ARSI, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a CD account at SunTrust, XXXX XXXX XXXX in XXXX, NC. The fixed interest rate for the XXXX CD was for .05 %. The maturity date was XX/XX/XXXX. XXXX XX/XX/XXXX, I returned to SunTrust and asked banker XXXX XXXX to credit my account for the full interest rate due to me as per our written agreement. He told me the interest I earned was XXXX cents and cut me a check for XXXX. 

I asked him to show me the calculator that the bank was using. We went into his office and he inserted my information online, and the interest rate that appeared on his computer was XXXX cents. He said that the bank " had a special formula '' for calculating interest rates. Something was wrong with his computer. 

{$2000.00} x XXXX should have yielded me {$100.00} in interest. Not XXXX cents.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I received a notice in the mail from TCF Bank on XX/XX/XXXX, dated XX/XX/XXXX, notifying me that an account in my name was been overdrafted. I did not open this account, and have no relationship with it. This may be part of an on-going attempt by an unknown person to steal my identity, which has involved over 10 attempts to take out unauthorized lines of credit and loans in my name. I have an active report filed with the XXXX Police Department related to this. I have checked my credit report and there is no notice of a hard or soft credit pull by TCF Bank or Chemical Bank. I put a freeze on my credit report using all three credit agencies in XXXX. No attempt was made by TCF Bank that reached me to verify this account prior to it being opened. I just spent almost 20 minutes on the phone with a TCF Bank representative who filed an internal report that the account was fraudulently opened, but refused to freeze or close the account. I was told that if I visited a branch that it " might be possible '' to close it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not recall receiving any information and this debt. I began to show up on my credit report stating that I owed money. When I called they could not give me any more information just stating that I owed a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I canceled a pay-in-advance/month-to-month membership with XXXX  XXXX XXXX. 
I contacted the XXXX company and the CEO XXXX XXXX as well as Huntington Bank. 
Huntington informed me the charge was manually canceled. XXXX XXXX informed me he canceled my pay-in-advance membership when I informed him I no longer wanted to be billed. 
I believe it is a violation of consumer law to cancel a pay-in- advance membership and then bill someone for services they didn't receive. 
I am disputing {$69.00} to XXXX billed me on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting an account on my credit from a collection agency. 

Equifax is reporting that this account was opened XX/XX/2021. 

The amount of the reported account is {$1200.00}. 

The company that reported this account to Equifax is XXXX XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to report Experian allowing fraudulent accounts on my credit report. In Experian 's investigation, Experian stated that a charge on my account from a company named XXXX is valid because of paperwork they sent, but it is not. The paperwork that Experian received from them does not have my correct address, the phone number ending in " XXXX '' on the paper work does not belong to me, the email address is not mine, and the " credit card '' listed ending in XXXX does not belong to me and the company stated monthly payments were coming out of that account. I did not have any monthly payments coming out of a credit card nor checking account. This account is not mine. The account does not belong to me. The account is fraud. Also ( proof attached ) the paperwork does not have my signature. The signature shown on the paperwork is not an original signature. It is some type of electronic signature. How can Experian accept anything like this as proof and they are aware of my identity being stolen dated back in XXXX. I want Experian to remove that fraudulent account from my credit report. It does not 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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have never heard of this company and I have no idea what this debt is. I have tried to call them and they could not give me any information. They had my information but refused to give me anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also Experian has that I have all late payments but XXXX has that I have on time payments. Which means both credit companies are supposed to be accurate.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a customer of TIAA BANK who moved the loan servicing to XXXX. # XXXX My contract allows the subordination of the loan. However, TIAA as well as XXXX XXXX are refusing to reveal the condition for subordinations. It has been over 4 weeks. I have suffered financial harm as loan rates have changed in the meantime, and I had to pay for home appraisal. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
The Wells Fargo credit card is a card that the company where I work ( XXXX XXXX XXXX gave me to pay my expenses related to the work I do, such as travel expenses, meals, gasoline, etc. However, when reviewing my expenses made in XX/XX/2019, I realized that XXXX expenses appeared that I did not make or authorize a purchase. later, for the month of XXXX of the same year, XXXX unauthorized expenses appeared, giving a total of {$6800.00} USD divided into XXXX unidentified expenses. I reported these expenses directly with the Wells Fargo Bank, they told me that this claim could not proceed since I still have the credit card in my possession and therefore the expenses do not proceed for review and return, later I did a second report with the same result. XXXX proceeded to directly request the revision of this problem again by means of a letter sent to the bank, the answer is that the investigation does not proceed. They can not verify that I did not make these expenses, but neither do they verify that I make them, when making a purchase in Mexico with a credit card, you have to sign the ticket where you authorize a purchase, however I request that the bank will do a double check who made these purchases in establishments and check who misused the card.

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 2021-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS

Complaint narrative:
I asked Rushmore Loan Management if they offered any payment deferral for Covid on XX/XX/2020. They said yes I could defer up to four payments that would add to the end of my loan PLUS a {$150.00} fee. Now they have asked for payments of 4 payments when I only deferred 3 additional they want a new loan plus thousands in fees. This is fraudulent and I have attempted to resolve this without success. They have sent multiple conflicting requests NONE of which in what was originally agreed by their agent. I am XXXX years old and I feel they are attempting to take advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
I honestly have never heard of this bank. I don't know what this collection is. I tried calling this company but they did not have any information for me. That I owe a debt and used cuss words.

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 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Cycle Finance, Inc.
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with American Cycle Finance Inc on XX/XX/2018. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know that the finance charge is the sum of all charges I was not expecting a bill which is a violation of 15 USC 1692b or for funds to withdrawn from my bank account and they also added a extra {$50.00} for insurance which is supposed to be added in the finance charge Pursuant to 15 usc 1605b which is also a violation Please read attachment and you will see where American Cycle Finance Inc edited my requested information to creditor instead of debt collector in which I ask for and you will all see where they lied about not being a debt collector or receiving any money from the illegal collected pay.which put American Cycle Finance Inc in default and they didn't respond to my Affidavit the proper way. They never gave me an right to rescission form which is all a violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I noticed that Wakefield and Associates is falsely reporting to XXXX major credit bureaus. I never conducted business with this company nor have I signed any agreement giving this company permission to collect this alleged debt. I sent Wakefield and Associates a debt verification letter on XX/XX/2021 and the company has refused to respond BUT they are still verifying the debt with the credit bureaus. I reported this company to the TN Department of Commerce and Insurance. If this alleged debt is not removed within XXXX  days I will move forward with a lawsuit in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/2021, XXXX PM Called SPS, rep stated that client was denied for modification due to insufficient payment reduction. Only options at this time are short sale, reinstatement, and deed in lieu. The denial has been faxed over to us and we should receive it in about XXXX hours. 
XX/XX/2021, XXXX PM Called SPS, they should have a decision on the file by XX/XX/XXXX, or before, the rep advised me that they should have a decision within XXXX weeks of submission XX/XX/2021, XXXX PM Called SPS for an update, rep said that all docs were recieved as of the XXXX and it still pending decision, she mentioned we should follow up in a week to see if there is a decision made. I have asked several times for help from my mortgage company I have submitted many applications like I was told to by every person from my mortgage company I have asked for a loan modification each time they tell me that they never got my paperwork I sent so many applications requested so many call backs from a manager who could give me answers, but all I do is get lied to by my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
XXXX  Senior Personal Lines Underwriter XXXX XXXX notified me XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis since no negative activity occurred that could have been reported during this period, and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. After filing a CFPB complaint, Lexis Nexis sent on XX/XX/XXXX at XXXX XXXX their first ever contact attempt. They were responded to on their electronic messaging system at XX/XX/XXXX the same day at XXXX XXXX. Lexis Nexis rep. XXXX confirmed my identifiers had been received as requested on XX/XX/XXXX at XXXX XXXX on their same messaging system. Exactly 2 weeks later they sent a letter dated XX/XX/XXXX to the CFPB stating I had failed to respond at all to request for additional identification and that my complaint was considered closed on their end. Otherwise and continuing through today, they have still sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or the nearly 20 phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' Lexis Nexis ' false information without having the opportunity to see what information on me they are selling without my permission and without being able to get a copy of my credit report after 8 months of trying to do so. Here are the dates on which we contacted Lexis Nexis by phone at the number provided by XXXX  XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to Lexis Nexis at the address provided by XXXX  XX/XX/XXXX requesting credit report and insurance score in accordance with CFPB guidance : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has been requested 4 times to provide alternative contact information for Lexis Nexis to receive the credit report or any of the adverse information used to increase my premium. Since Lexis Nexis repeatedly hangs up on XXXX XXXX XXXX every contact attempt by phone, do not respond at all to mail inquiries and fail to even respond to further follow-up using the electronic messaging system provided after the CFPB complaint failed to achieve any result other than to catch them in an abject lie about my failure to respond to their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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:
Please remove fraudulent account from my credit report. I noticed some accounts I HAVE NO knowledge of.

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