vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I requested that this company validate this debt (see attached), which they failed to do, I do not know what it is for, because they failed to validate it, and I do not know what the heck they are doing on my credit report! Please help me! I'm trying to buy my first house, and I don't know why this company keeps harassing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XXXX XX/XX/2019 I sent XXXX XXXX  a formal request in writing via their online portal to have the FHA MI removed from the loan as it had reached below the 78 % LTV ratio. It's 50 days later and I have only received 1 update regarding the removal of the MI stating that more time was needed to review the file - this letter was dated XX/XX/2019. I have called XXXX XXXX almost daily for the past several weeks and I'm unable to get an update on the removal. The response I get is " it's still under review ''. I have tried several times to resolve the issue with XXXX XXXX but they will not assist me. Not only that, they continue to disburse MI premiums at my expense. I am attaching a copy of the request that I sent in on XX/XX/2019 for your reference. I am also attaching prior communication from XXXX XXXX earlier in the year in which they mishandled my account and provided incorrect information regarding the ability to have the FHA MI removed. I believe XXXX Point may be in violation of the Homeowners Protection Act for not auto-cancelling the MI and may also be in violation of CFPB requirements for communication to me as the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have problem with Bank Of America  Checking Account # XXXX XXXX XXXX. And in particular, with they debit card overdraft fees. Just today I was trying to explain representative and his supervisor, that bank can not charge overdraft fee for debit card purchases especially, one time purchase as I have it with XXXX XXXX posted on XX/XX/19. Today they offered me that I can enroll in special feature which will decline all debit card overdraft transaction, but I will be paying monthly fee of {$4.00} with some cents. I agreed to enroll, but asked them to reverse two overdraft fees for purchase on XX/XX/19. First of all, I was not aware that I need to enroll in special program, I thought that debit card purchase will decline automatically if there insufficient fund. Second, is that XXXX XXXX, as I mentioned above, is one-time debit card purchase, and it against the rules to charge overdraft fee for that. However, supervisor declined my request to reverse charges

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 2019-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells fargo created multiple accounts for me and when I confronted them back in 2013 about it they nearly through me out of the bank and threatened to call the police. They have a student loan that is associated with these fraudulently made accounts and have previously removed it. I noticed it reappeared on my credit reports and when I contacted the credit bureaus about it they said their is no legislation stopping Wells Fargo from opening a new account using the exact same data as before after it was already completely removed from my reports.

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 2019-12-20 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on EXPERIAN & XXXX that have not been removed and they are badly affecting my score : Showing on report from EXPERIAN  & XXXX, XXXX XXXX   XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from EXPERIAN only, XXXX XXXX with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: International Computer Systems, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX Debt collector is wanting me to pay for XXXX for unknown service for my previously brankrupted company ( XX/XX/XXXX discharged )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX  AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:XXXX XXXX XXXX XXXX (XXXX XXXX) Account number XXXX the amount is $XXXX Opened XX/XX/XXXX 2014.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.EQUIFAX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number: XXXX I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XXXX I received a mortgage statement in the mail from our loan provider, XXXX XXXX Home Mortgage.  The letter (dated XXXX) showed that we owed a total amount due of XXXX which is more than twice the normal amount.  Scanning down the letter, I learned that XXXX XXXX had received, but had not applied to our mortgage, a payment of XXXX  on XXXX  This payment was NOT late, but as the letter explained, these funds were held in "suspense" because they were not sufficient to cover the entire amount due.  This was news to us. We have always paid slightly more than the amount due on our mortgage.  However, unbeknownst to us, our mortgage had increased due to a change in escrow, making our payment of XXXX just below the new amount of XXXX.  It seems unfair that XXXX   Bankshould a) not give us any notice that our monthly payment was set to increase and b) hold a payment (which covered more than 99% of the amount due) WITHOUT telling us for an entire month and then c) attempt to charge a $XXXX late fee.  Further complicating the matter, the letter I received makes no mention of any late fee except one that may be applied XXXX if we don't square up the account by then.  After receiving the letter, I called customer support at approximately XXXX and spent the next 15 minutes or so speaking with a representative named XXXX, who failed to explain why the late fee didn't appear on the mortgage statement even though, in her words, it was effective on XXXX the same day the letter was sent.  She also did not explain why we were not given notice of the escrow change or why our partial payment (again, of more than 99% of the amount owed) was held in "suspense" without anyone ever telling us we owed an additional XXXX thus essentially ensuring that we would incur a substantial late feel.  Any help in resolving this matter would be greatly appreciated.  And as an aside, I'm curious to know if the XXXX late fee is typical and/or if late fees are regulated in any way.  It seems inordinately high.   If helpful, I am happy to submit the XXXX letter.

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 2019-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
GM Financial over the lst six years has fought me on what my accurate account history is. I had a co-signed loan that was also reported to the co-signers credit. 

The information this company reported, has reported, and continues to report to both of our credit files is different. 

They refused to acknowledged the fact that the payments they claimed were late were in fact not late until years after the loan was paid off and the account closed. At that time after submitted over a dozen disputes that were denied they came back in agree-ance that the payments were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I payed my account off in full using the companies autopay by the due date XX/XX/2019. Capital one still went and billed me interest. I called and requested my fee only statement of $XXXX to be removed as it must have been done in error.The lady in customer service stated that the way they bill interest is that even if you pay the account off in full. I was transferred to a manager and informed they bill the exact same as if it was a cash advance balance(which it was not) and that it must be paid in full multiple months in a row to not be billed interest. XXXX(the manager) refused to waive the fee as well. I have no doubt that capital on will bill me the interest on my interest next month and so on. All i want is this XXXX interest charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on XXXX & TRANSUNION that have not been removed and they are badly affecting my score : Showing on report from XXXX  & TRANSUNION, XXXX XXXX  XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from XXXX  only, XXXX XXXX/XXXX  with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )

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 2019-12-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax; XXXX and XXXX are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I got a payday loan from cash net USA and they been debiting money out of my bank left and right after I just paid them the full money back to them that I owed which they said I still owe them money which I have my bank statements to prove Ive paid them back. they did not want to transfer me to a supervisor they did not want to do anything about the situation and on top of that my bank closed my account from being negative for several months because of the loaning agency And Im on XXXX because of them. They were very rude not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
This is a UDAAP violation. We were enticed to refinance our mortgage with the promotion of a $XXXX   credit or a promotional XXXX.  To date, we have not received our XXXX. I have been told it would be shipped in a batch shipment from corporate in XX/XX/XXXX. I followed up XX/XX/XXXX asking for a tracking #.  I was told it did not ship. I was told they would over night one on XX/XX/XXXX. Then I was told they were at a XX/XX/XXXX party and then they had the XXXX. Then I was told they didn't understand the promotional program ( all in writing all in a series of serveral emails)  multiple follow up emails of empty promises . I told them I wanted this escalated to a manager and this was a udaap violation. Now nobody will speak to me.Emails from me asking for updates on the XXXX- XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19-e mail from XXXX XXXX saying on the list to receive it should be going out shortly. XX/XX/19, XX/XX/19- attaching some examples where they say its being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX; XXXX  and Transunion are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.

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