vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have had nothing but problems with Loancare and no one at the company will help me!! They keep putting me on hold and then disconnecting my call. I am in tears as I write this because I am a very responsible person and make my payments ahead of schedule EVERY month!! I login today to make my payment before the XXXX of XXXX - it is supposed to be {$36.00}, and for some reason the payment requested is {$110.00}??? Mind you, I have a printed bill from Loancare stating my bill is {$36.00}, but they are telling me I owe 3 times more than that online and on the phone. They will not put me in contact with a supervisor to fix the issue and my payment is due tomorrow!! I don't know what to do! I am not going to pay a bill that is clearly inaccurate when I have proof of making my payments on time every month via bank statements and their bill saying what I really owe. I feel helpless and this is my first home and I have had problems every month just trying to pay my mortgage! I have never been late on a payment. I am going to get a lawyer if this is not resolved

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 2019-09-30 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: NY

Complaint narrative:
I previously disputed a student loan from XXXX XXXX XXXX with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXX XXXX XXXX. The promissory note that I signed agreeing to the loan is with XXXX not with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: NY

Complaint narrative:
I previously disputed a student loan from XXXX XXXX XXXX with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXX XXXX XXXX. The promissory note that I signed agreeing to the loan is with XXXX not with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-09-30 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants of California sent a collection letter for a medical debt and addressed it to my wife, and included a copy of the explanation of charges from the hospital which listed all of my medical procedures, in violation of my privacy. They underhandedly only listed my name on the enclosed statement of my medical procedures, in order to make it difficult for me to prove their HIPAA violation and the violation of my privacy, but the cover letter with this private enclosure was addressed to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am in Chapter XXXX Bankruptcy protection and called to make a payment on XX/XX/2019 at approximately XXXX XXXX Pacific time. Calling XXXX Fay Servicing LLC. The problem is that the representative named XXXX XXXX or XXXX stated that she could take my payment but that she could not provide me with a confirmation number. She stated that it was their policy to not provide confirmation numbers to persons in Bankruptcy protection that do not have authorization from their attorney to discuss mortgages. The Only Thing that was asked was for a confirmation of my payment so that I could have something proving the payment was made on time. If for some reason the payment is not made I am in fear that Fay Servicing could request relief from automatic stay. It makes no sense that they not provide any data when the only way they can take the payment is from me providing my social, address, full name and loan number. I do want to emphasize that the only thing that I requested from them was a confirmation of my payment as shown on my mortgage statement. I asked for a Supervisor or another person and she put me on a brief hold. She stated everyone was busy and I explained that the CFPB had fined her company in the past for unfair practices and I asked her to notate that I would be contacting CFPB. Her reply was that they were not the only ones that had been in trouble! Hopefully you can ask for a recording of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request

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 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM Last reported XX/XX/2019 {$790.00} Open balance XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I am in the process of buying my first home. When I became aware of the Diversified Consultants / XXXX account for {$57.00} I paid it in full. 
Since then I began the mortgage process and was advised that because the account exists, paid or unpaid i wont be able to be approved. It seems that the existence of the account ON THE MORTGAGE side is costing me about 35 points. I contacted Diversified today and spoke to a rep and supervisor both of which told me that there was nothing that they can do, same as they told me before. The supervisor went on to explain that they dont even own the account which really got me to thinking Is it reasonable, that a collection agency, which doesnt even own a debt should keep me from being able to purchase a home for an account that is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: DE

Complaint narrative:
I have been trying to work with Equifax for over 6 months now. I have a number of issues with this company and they refuse to fix it. The first issue started back in XXXX when they put an inquiry on my credit file that did not belong with me. This trend continued with two more inquiries that did not belong to me. The companies that supposedly submitted the inquiry has no record of ever requested my report nor do they have accounts in my name. These companies are XXXX XXXX XXXX, XXXX, and XXXX. The next issue is there is an address that I have never lived at in my life on my credit report. The address is " XXXX XXXX XXXX XXXX, TN XXXX ''. I have never even stepped for in Tennessee. I have made at least 4 different requests to have this address removed from my credit file. Equifax reports back that it was deleted but it never gets deleted from my file. I have even sent a letter requesting to have this removed from my credit report which they respond to by saying they deleted the address but it remains on my credit report. And finally, they have added a unrequested fraud alert to my Equifax and XXXX credit report. I also requested this ( via mail along with their requested identification plus some ) to be removed but again, they refuse to do so. I am at wits end with this company. They refuse to assistant me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My bank sent in an overnight payment to payoff my outstanding credit card balance. The payment was delivered on XX/XX/2019 at XXXX which was the due date of the monthly payment. My bank did not include the full account number on the check, but it did have our names on it. Also, there were two other citi accounts being paid off and those payments were in the overnight delivery as well and were processed right away. However, the payoff to Home Depot was not applied. I called the company on XX/XX/2019 and after being disconnected once, routed through 3 departments and told by everyone I talked to that my account was past due and being asked if I was making a payment I was finally assisted by XXXX in customer service. He was able to find check by tracking back from one of the other accounts being paid off and could see that it had not been applied. He also noted our names were on the check. He said it could take another 3 to 5 business days for the payment to be applied and that when it was finally applied that they would go back and remove any late fees and interest. I then received calls on XX/XX/2019 and XX/XX/2019 saying my account was past due. I called in again on XX/XX/2019 and was told it could take 10-15 business days for the payment to be applied. In the meantime my account still shows as past due. I was told it should be revolved before it is reported to the credit bureau but that wasn't guaranteed because the rep that was helping me couldn't see that 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 monetary relief
Consumer complaint received 2019-09-30 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: SC

Complaint narrative:
I have repeatedly filed disputes and complaints with and against Equifax, since XXXX, on information contained in my credit report. I have contacted companies that have requested credit information with out my approval and while my credit report is on a legislative security freeze, and have submitted these letter many times to Equifax. Equifax continues to not remove these inquires as well as accounts that are aged and should be removed. I have also contacted via telephone and was told that Equifax could not provide any assistance or remove any information. 

Once again, on my last attempt to file a dispute with Equifax with report number XXXX there were no corrections. Equifax continues to do nothing. Disputes were filed with Equifax within 30 days of being notified of the credit inquiry. 

The following credit inquires were no authorized nor was I ever contacted by these companies per the Legislative Credit Freeze. 
XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  - Card Services ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Aged Accounts to be removed. 
XXXX XXXX XXXX XXXX Account not mine. Have submitted letter from company stating that they do not have my information. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-09-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-09-30 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: TX

Complaint narrative:
FIRST, I was an EQUIFAX Data Breach Victim. EQUIFAX has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against EQUIFAX and XXXX ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. XXXX and EQUIFAX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for EQUIFAX and XXXX to follow XXXX XXXX example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Hi, I opened Savings Account # XXXX with Citi Bank on XX/XX/XXXX through the online channel. During the Account opening process I clearly identified myself as a Not Subject to Tax Withholding. 

On XX/XX/XXXX the account received the first credit of monthly interests. No taxes were withheld. Good so far. 

On XX/XX/XXXX the account was credited with its second credit of monthly interests. In this occasion Citibank withheld {$22.00} of Interests. This is incorrect. I am not subject to Withholding and I identified myself as such during the account opening process. 

I contacted CitiBank on their customer service line ( XXXX ) to ascertain the situation. A representative explained over the phone that I had not yet sent my W-9. However, the Tax Status Identification and Certification process I completed at the opening of the account should have sufficient for CitiBank to properly document and validate my withholding status. T The representative informed me that I could sent my W-9 by regular mail or by fax. I chose Fax, which is easier. I sent my first W-9 by fax ( XXXX ) on XX/XX/XXXX. I called in the next day to validate that it was received and processed. The representative informed me it could take up to 2 weeks to process. Just in case, I repeated the process and sent daily faxes on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. In total I sent my W-9 on 10 different occasions to the Fax number provided. 
I called in again on XX/XX/XXXX to validate that they had received and processed my W-9. They informed me that they had not received it. This was very frustrating. I validated and confirm that the fax provide was the correct number. 

Again, I kept send daily faxes on XX/XX/XXXX through XXXX. Four ( 4 ) additional faxes. I called again on Monday XX/XX/XXXX to validate the status of this process. They informed me that they only had records of having received my tax form on XX/XX/XXXX. And it would take 2 weeks for process.

This is unacceptable. Within 2 weeks the savings account will have received the third credit on interest and they will again incorrectly withhold taxes on these interests. I am writing this complaint to ask 2 things. First, make Citibank finally process my tax status and eliminate any withholding on my account. And second, make Citibank reimburse me for any taxes withheld so far. 
Thank you

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 monetary relief