vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX XXXX : {$640.00} XXXX XXXX   XXXX ACCT : XXXX XXXX : {$700.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$800.00} XXXX ACCT : XXXX XXXX : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : 1636 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/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 2019-10-07 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX  ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX  ACCT : XXXX AMT :  {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX  ACCT : XXXX AMT : {$700.00} XXXX XXXX  XXXX  ACCT : XXXX XXXX : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX  XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
I was checking my credit report in XXXX XXXX and it appears a balance from XXXX XXXX XXXX of {$8200.00} that was opened on XX/XX/2014.Its been reported by Equifax. I've been sending dispute online and by phone to Equifax but they keep getting the response that is mine from XXXX XXXX XXXX. 
I called XXXX  XXXX XXXX and talk to the fraud department and they don't have any account that belongs to me but they advise me that I have to contact Equifax, they are the one that can do something about it. 
I am a little desperate cause I'm buying a house and this is preventing me to go through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Shellpoint Mortgage illegally trespassed in a attempt to collect a debt not owed. 

On XX/XX/XXXX a representative of Shellpoint Mortgage illegally removed locks from my doors, shut off my utilities, removed plumbing and said to me my house was being foreclosed on. The police were called and the representative of Shellpoint Mortgage told the police I was being foreclosed on. 

I DO NOT NOR HAVE I EVER HAD A MORTGAGE WITH ANYONE SHELLPOINT MORTGAGE REPRESENTS. 

I purchased the home from the XXXX County Kentucky Master Commissioner over three ( 3 ) years ago. Any rights of a lender would have been released at that time. I have since found out that Shellpoint Mortgage is trying to collect a old debt from a previous owner.

Since the XXXX Shellpoint has come back and put more stickers on my doors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have had my XXXX XXXX card for around 2 years now. I obtained because it offered zero interest and I shop a lot at this company. I have always had issues with receiving emails with my balance so I had to keep an eye on it. 
On XX/XX/10 I received a call from an unknown number, which I rarely ever answer, and it turned out to be Comenity Bank to let me know that I had missed two months of payment on my cards, which rolled over {$30.00}. I had not received any notice and was completely unaware of the issue. I went on to make the payment right away, but it bothers me that now I have such impact in my credit score for something so small. 

I had never had a late payment in the history of my accounts and this took a toll on my score. BEWARE of this company and their methods!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: PA

Complaint narrative:
I previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I submitted an electronic payment for my XX/XX/2019 mortgage, which PNC did not receive until the XXXX of the month. PNC charged me a late fee of {$130.00}. I had already sent in my payment, which included extra principle payment over my required amount. PNC took my extra payment and applied it to the late fee they assessed. 

I called PNC to request a late fee waiver, since I am eligible to have one. I was told that since the fee was paid there is nothing due and they won't refund my {$130.00} or apply it to my mortgage principle as I intended. PNC said it was keeping my money.

PNC took my money and is hiding behind a technicality to withhold my money. I pay on-time except for one late payment over a year ago. I pay more than the required amount each month. PNC is alienating one of their reliable customers over this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
An account with XXXX was opened under my name and social security account for an amount of {$15000.00} in XXXX XXXX and I identified the identity theft in XX/XX/XXXX. 
My identity was stolen and this account was opened. XXXX ( XXXX ) has since charged off and CACH LLC purchased the account from XXXX. I have been summoned to court and attempting to clear this account from my name, since I never applied for such an accounts. Currently the XXXX XXXX XXXX Law firm is from XXXX XXXX LA is the current debt collector and has taken me to court. 
I am currently in the process of waiting for an official letter from The U.S. Office of Personnel Management ( OPM ) and the U.S. Department of Defense ( DoD ) since my data was included in a e cyber incident involving background investigations. I have been given access to My ID experts for credit monitoring.

I ask that this be cleared from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/2019 I was charged a return payment fee of {$32.00} by Comenity. I contacted the customer service line on XXXX and spoke to a rep for approximately 11 minutes. I advised this rep that I was sure I had the money in the account and it was returned by error. I asked for a courtesy return credit as I have never had one and she stated she contacted her supervisor and that they would credit my account that {$32.00} fee back. I advised that was all I needed, to this date there has been no credit to my account. 

I was lied to by this bank and want the CFPB to take action on my behalf. I want my credit of {$32.00} to be applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 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: Volvo Car Financial Services U.S., LLC
State: IL

Complaint narrative:
XXXX XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : Volvo Financial Services, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have already reported this to the XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX Georgia Office ( Case Number : XXXX ) towards XXXX XXXX XXXX XXXX. This is a business scam and I want this completely taken off of my records. 

I was promised by 4 different live chat customer service agents of XXXX XXXX XXXX that when my equipment was returned that I would receive a credit back on my account for {$1000.00}. This would bring my balance to {$0.00}. I had successfully returned the equipment and after A YEAR of patiently waiting for my credit ti is still going through collection agencies. This is unacceptable and feels like a complete scam. Now no one at the company can give me any response now and I am getting the runaround. I have been transferred from department to department and hung up on. 

I would appreciate your assists on this as I feel that since I canceled my service with XXXX XXXX XXXX this is their way of retaliating back. I was a great customer for many years and would appreciate them doing business the right way and not scam their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: IN

Complaint narrative:
I received a copy of my credit report and am disputing some items that need corrected. The reasons why these items should be corrected are indicate below : REASON FOR CORRECTION : Item # XXXX : This collection is from a furniture store located in Texas. I have never resided in this state. This debt needs to be deleted. 
According to the provisions of the Fair Credit Reporting, these disputed items must be reinvestigated or deleted from my credit record within 30 days, but the credit company that is TransUnion has not sent me an answer and it's been more than 30 business days.

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 2019-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliant Capital Management LLC
State: AZ

Complaint narrative:
Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. 
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. This equated to {$3600.00}. Mr. Cooper 's explanation is that they " require '' a 2 month cushion in escrow accounts. When I asked " why '' they are doing it, the rep stated that we are " Mr. Cooper '' and we are allowed to do this. I have been making extra payments on my loan in order to bring my principal balance down, hence paying my loan off faster, I believe Mr. Cooper realized this and decided to up my escrow payment in order to make money for themselves. If I perform my own escrow analysis, I find that I am short by {$160.00}, not over {$3000.00}. This is deceptive practices and unfair to consumers. I have owned a home for over 24 years and not one mortgage company has ever done this to me. I did not ask for my mortgage to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC
State: AZ

Complaint narrative:
Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NJ

Complaint narrative:
On XXXX XXXX a representative, " XXXX XXXX XXXX '' at XXXX sold me " health Insurance '' on behalf of XXXX XXXX. Upon reviewing the policy I realised that XXXX " XXXX '' misrepresented the product that was sold to me, this was not health insurance but rather Supplemental Health insurance. I contacted the company on XX/XX/XXXX, I contacted both XXXX XXXX and XXXX XXXX and requested cancellation of the said product. The policy clearly stated that I had 30 days to cancel. I have several emails between XXXX XXXX and myself requesting this cancellation. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX about this issue, and asked that my XXXX be cancelled and a new one issued to me because I did not trust this merchant. On XX/XX/XXXX a payment {$440.00} to XXXX XXXX was charged to my now cancelled card and then reversed on the same day. 
Although I did not provide XXXX XXXX or XXXX with my new card, a payment of {$440.00} was charged to my new card on XX/XX/XXXX. I did not authorise a payment on XX/XX/XXXX. 
I have disputed this with XXXX XXXX and received a letter stating that there was no error and will not be making an adjustment and I will need to speak to the merchant directly. The merchant claims they did not receive this money. 
I have attached my correspondences to all parties, XXXX, XXXX and XXXX. 

Thank you for your usual prompt attention and the great work you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: PA

Complaint narrative:
I previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?

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 2019-10-07 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: TN

Complaint narrative:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC
State: GA

Complaint narrative:
I have a an installment loan with HCS Loans, XXXX XXXX. XXXX XXXX, XXXX, NC XXXX for services from XXXX XXXX XXXX XXXX. I have a promotional loan of {$110.00} per month, for a total loan of {$3100.00}. The promotion expires on XX/XX/XXXX. 

I began making payment in XXXX, XXXX. My payments are made through my bank, XXXX XXXX, Georgia. As HCS will not provide electronic banking information for electronic ( ACH ) payments, I have my bank process a timely check for payment. I have requested this information from HCS, but they have advised me that they want MY bank account information for autopay, and I won't release that confidential information to them. 

For the XXXX, XXXX payment, I had confirmed that XXXX mailed a timely check. On XX/XX/XXXX and XXXX, a representative from HCS called me to inquire about my payment. I had advised them that my bank made a timely payment by check. The representatives, both on recorded lines, advised me that it could take 7 to 10 days to credit my account if payment is made by check. They noted my response to them in my account log. 

On Monday, XX/XX/XXXX, I had received 2 calls from HCS about my XXXX payment. I confirmed with my bank that the payment was sent on XX/XX/XXXX. HCS recorded my statement that day. On XX/XX/XXXX, HCS called me 4 times inquiring about the same payment. Upon my investigation, HCS received it on XX/XX/XXXX ( the due date ) and deposited the check into their account with XXXX XXXX XXXX. The check clearly has my account number, name, and address on it. In my final call that day to XXXX, I was advised to provide them with a copy of the cancelled check, both front and back, and fax it to them at XXXX. I faxed it immediately to them. 

On Saturday, XX/XX/XXXX, I received my XXXX statement from HCS, and it indicates non-payment for XXXX and a late fee of {$35.00} added to my account. 

I had advised HCS in an attached letter when I provided the copy of the check that I will no longer endure any further harassment from them and if they want an electronic payment, they must provide me with the XXXX XXXX XXXX account number and ABA/Transit number promptly. 

All of my account payments and debts are paid timely through my bank, and without incident, so this insane process must stop immediately.

Company response to consumer: Closed with explanation