vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was a patient in the XXXX  at XXXX XXXX XXXX. 
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly. 

On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}. 

I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These is a XXXX bill located on the profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both Experian and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX XXXX offered my a couple of credit cards, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, every month they run my credit score, they lower my limit, and now they have closed 2 of my cards. Why? i have always paid on time and more whats due. They are the ones messing with my credit score. When they lower the limit it makes me overlimit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Unauthorized savings accounts were opened in my XXXX olds name through Wells Fargo.

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 2019-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
My question is ; after paying on an auto loan for two and a half years, why is my loan payoff more than the original loan? When I asked XXXX XXXX that question they treated me like I was stupid and said something about the interest compounding daily, I do not understand, but something is definitely wrong when you pay a car payment for two pulse yeas and you owe more on the payoff than the original loan. Please explain! 
As of today, XX/XX/XXXX, the payoff on my car is {$23000.00} Original loan, XX/XX/XXXX was {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The original collection agency was XXXX XXXX XXXX, Creditor was XXXX XXXX this was paid in full inXX/XX/2018 in XX/XX/2018 it looks like it was sold Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I have disputed this with credit agencies with no out come. I have even submitted a copy of the letter from XXXX XXXX XXXX showing it as paid in full. There are 2 amounts that phoenix is requesting payment for and they both for the same date but different amount. One amount is for {$610.00} and the other is {$910.00}. 

I would like this resolved asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.

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 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX of XXXX I paid my delinquent account off with XXXX XXXX XXXX Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both XXXX  and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XXXX of XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

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 2019-04-18 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: TX

Complaint narrative:
XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a XXXX balance. Ive called both XXXX and XXXX Card services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These is a XXXX bill located on the equifax profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been mailing me duplicate form letters stating they are working on an issue, I've received two thus far. These letters have become a nuisance and are un wanted.. The issue pertains to prior form letters they sent asking if I am satisfied with a resolution which includes a partial refund of fees charged to an unauthorized account. As explained in prior complaint, their resolution is not satisfactory as it only includes a partial refund in the amount of XXXX. The issue also pertains to this unsatisfactory resolution. I request Wells Fargo cease from sending these duplicate letters

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 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WV

Complaint narrative:
I received two copies of a hazard insurance bill that is supposed to be paid from escrow by Amerihome Mortgage. I wanted to ensure that Amerihome had also received a copy, so I submitted a question via their secure portal. I received an incomprehensible response that looked like a failed cut/paste attempt.

I filed a second inquiry via the Amerihome portal and got a slightly better response although it, too, had significant problems. For example, it referenced a " proof of insurance '' request which was not the nature of my inquiry. 

Both the initial and second responses indicated that I could communicate with the company via chat, but after looking at every screen available to me in the portal, I couldn't find any way to initiate a chat session. 

It seems to me that the company has a staff that is improperly trained, and they refer to a function ( " chat '' ) in their standardized correspondence that is not available via the portal I am using.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These is a XXXX bill located on the experian profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I requested a valid debt validation letter several times. i was written by mail and notified if they couldnt receive info in a timely manner the account will be closed and returned to original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts inXX/XX/XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.

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 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I became aware of a derogatory account listed on my credit report by Diversified Consultant for the balance of {$200.00}. A phone number was listed and I made contact with the company about the account. I informed them that I received no notice of this debt and the right to dispute it before it appeared on my credit report. The representative replied and stated they attempted to reach me on my cellphone and it was against their company policy to leave voicemails. With the amount of scam calls that I receive over the years, I typically don't answer numbers that I'm unfamiliar with unless I'm expecting a call. No formal notification through mail was ever sent out by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX, I opened a money market savings account with BBVA compass due to their interest rate. In the application for a new account, I was asked to provide a source fun account and routing number and choose how much to transfer over. I selected XXXX dollars from a XXXX  savings account. When I setup the online banking, I noticed that it did not show this transaction as a pending transaction. I called the bank and they assured me there are no pending transactions. The next day I get a notification of a XXXX dollars ACH withdrawal by BBVA compass, and yet when I call them, they are still saying they have no record of the money coming in or them ever having requested the money. XXXX can not put a hold on the funds as it was not initiated from their side. I have no idea where my money is and no one at BBVA can help me find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I was in a lease until XX/XX/2017, I had my apartment cleaned and I had moved out before XX/XX/XXXX. I had given verbal notice that I was not going to continue living there. I received a bill from the law offices of Caine and Weiner that I had three months back rent in the amount of {$4600.00}, and {$75.00} for late fees. I was charged for " excessive cleaning '' {$240.00}, {$660.00} for legal fees, and {$120.00} for utilities, and a carpet cleaning for {$160.00}. Total {$5900.00} minus {$1000.00} for my deposit. From what I understand XXXX XXXX in XXXX has a bad reputation of sticking it to there tenants for leaving. As I understand it the laws of California are the Leasing office is responsible for getting an apartment ready for the next tenant and carpet cleaning, repainting the walls, and cleaning falls on the responsibility of the leasing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-18 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: WA

Complaint narrative:
I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

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 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am not certain this is the correct category ; however, here goes. I have never been late on my mortgage payments ; however, I was in a bad loan. I was approved for a Home Affordable Modification with Citi that  had a {$16000.00} deferred amount. I was advised recently the amount would balloon to {$190000.00}. On every statement to date only reflects the $ XXXX amount. I told the representative nowhere did the modification convey a $ XXXX amount and how would I know as a consumer the amount would balloon to this excessive amount? The Citi rep. stated the amount was implied and I would NOT know as a consumer. To insure I had received correct information, I have spoken with 3 different reps. and requested copies of my modification. All 3 reps. confirmed only the $ XXXX and did NOT see any other amount. All 3 documents received did NOT provide the $ XXXX amount. Your assistance is needed. This is a predatory loan. Please help 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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I OPENED 2 SEPARATE CHECKING ACCOUNTS ( PERSONAL ) THE SAME DAY, BOTH WERE OPENED IN A VERY SHORT PERIOD OF TIME. I HAVE ALREADY CLOSED THE FIRST ONE IN LESS THAN A MONTH, THE BANK SCREWED UP. THE ONE I AM REPORTING NOW HIT A SNAG WHEN I COULD NOT DEPOSIT A CHECK. CALLED MANY TIMES FINALLY SPOKE WITH A GUY XXXX, WHO ACTUALLY SOUNDED LIKE HE KNEW WHAT HE WAS TALKING ABOUT, WELL VERSED TO SPEAK TO CUSTOMERS. THEN THE PROBLEMS, I COULD NOT DEPOSIT A CHECK. BACK AND FORTH, BACK AND FORTH WITH THESE CALL CENTERS, CONSTANTLY REPEATING MYSELF, BEING ESCALATED, ESCALATED, ESCALATED, TALKING TO BRICK WALLS, XXXX XXXX CALL CENTER EMPLOYEES. BACK TO XXXX AGAIN, WHO ILUDED THAT IT WAS MY DEVICE. XXXX, THIS DEVICE HAS BEEN AROUND FOR AT LEAST 2 YEARS OR MORE AND THESE BANKS, BEING INTERNATIONAL, ARE EQUIPPED TO WORK WITH MANY DIFFERENT DEVICES. I DO NOT BELIEVE THIS XXXX WITH SANTANDER BANK. 
THIS IS A BLATANT STALLING TACTIC.

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 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have called I have written letters for them to delete from my report

Company response to consumer: Closed with explanation