vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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 recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.

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 2019-02-14 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 recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EMBRACE HOME LOANS
State: NC

Complaint narrative:
REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX   XXXX, XXXX XXXX  XXXX, 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 non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
My husband and I were forced to file bankruptcy ( Chapter XXXX ) last yr due to health/job loss issues- our Mortgage company Carrington Mortgage is now sending us notices saying we are behind in our mortgage payments which is totally false- we have proof that we made 11 mortgage payments in XX/XX/XXXX, which paid us up through XX/XX/XXXX. But our mortgage company is falsely stating that they havent received a payment sinceXX/XX/XXXX. We have contacted them multiple times and tried to get to the bottom of the discrepancy and they always give us a different story. They refused to give me a local Carrington Mortgage office location so I could bring in PROOF of payments- so I had to look it up myself. I need some guidance on how to deal with this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of a school loan consolidation scam. A company conned me into allowing them to remove {$29.00} on the XXXX of each month, a recurring transaction stating that the money would be paid toward my student loans. The money has been taken out of my Wells Fargo Checking Account religiously for years. In XX/XX/2018 I entered a branch of Wells Fargo, after learning that the school loan consolidation company was a scam, and filed a fraudulent claim. Going back the life of the authorization and was told that the Fraud Department would be in contact but I was assured that the withdrawal of funds would stop, per my revoking the authorization. I was contacted in XX/XX/XXXX by the Wells Fargo Fraud Department and was told that they found my authorization for recurring withdrawals to be sufficient and denied my fraudulent claim. Even with me supplying proof that the company listed as taking the funds out was reported by the XXXX  as being out of business and was a fraudulent company. At which point I notified the representative from the Wells Fargo Fraud Department and the branch I originally went into of my rights to 'revoke ' any previously authorized recurring withdrawals, stating I wanted an immediate seizure of any future withdrawals and requested that the withdrawn funds for XX/XX/XXXX and XX/XX/XXXX be refunded. Please be advised that this all took place before the XX/XX/XXXX withdrawal was to take place as well as the withdrawal for XX/XX/XXXX which was also removed.. However, the withdrawal for XX/XX/XXXX did take place and nothing has been refunded. In fact, Wells Fargo has informed me that I am not permitted to stop this withdrawal from recurring even with the revocation of my original approval. Attached please find the letter I sent to the Fraud Department and the Branch itself.

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 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX   XXXX  XXXX, 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 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AK

Complaint narrative:
I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. 

In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. 

It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. 

I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
REGARDING XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX SR LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/2018 AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF 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 2019-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife has opened a capital one credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my XXXX credit report from my wifes card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase Checking and Saving accounts were closed on XX/XX/XXXX. I called and inquired about the {$25.00} I used to open the checking account, and the {$25.00} I used to open the Savings account. I was told that the money was taken out of my accounts on the XXXX and mailed to me. I called this week to inquire as to why I had not received them yet. Now I am being told that the money was never sent to me, because they are having issues verifying the checks I used to open the accounts. I never used any checks. I opened the accounts online and used my debit card to do so. The money was taken out of my account in two separate transactions on XX/XX/XXXX. I was never given an explanation to why my accounts were closed, I was blocked from all online access ( including my car payments and separate credit cards! ), I was lied to and told my money was mailed to me on XX/XX/XXXX, and now over 2 weeks  later I ask about the money again and I'm told it was never sent to me. This is absolutely ridiculous the treatment I have received from this bank. I want the {$50.00} that I wasted opening my accounts with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My wife has opened a XXXX XXXX credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my Transunion credit report from my wifes card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was laid off my job of 12 years I notified my lender, Mr. Cooper, that I was struggling to make my payments and that I was receiving unemployment. I was instructed by one of the representatives to complete a loan modification online which I did when I followed they claim they had not received it. I enlisted the help of XXXX XXXX XXXX XXXX who then proceeded to provide to Mr. Cooper by email the following : Unemployment benefits, retired XXXX XXXX  benefits, Homeowners Insurance, offer letter from my new position, and my XX/XX/XXXX tax returns and my loan application. These documents were sent twice once on the XX/XX/XXXX and then again on XX/XX/XXXX. XXXX XXXX received confirmation on XX/XX/XXXX that Mr. Cooper had received the documents. Today on XX/XX/XXXX poke with a XXXX XXXX in the Loss Mitigation who claims that they don't have the documents today. The documents were also sent to XXXX XXXX @ nationstar who is the president. It appears that because in California the Homeowners Bill of Rights have reinstated as of XX/XX/XXXX, that Mr. Cooper is trying to circumvent these regulations and Dual Track by trying to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has not updated my car payments as current since XX/XX/XXXX all payments has been paid on time am
d I have all statements as proof as no late fee 's or payments received to XXXX XXXX XXXX. When talking to XXXX XXXX XXXX  has stated to me they report every month and it seems Transunion does not correctly update information to this account as current and paid and its been 3 months and no payment update.

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 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 my cell phone number with XXXX was ported out without my authorization and the fraudster was able to gain access to my XXXX account and all accounts linked to the XXXX. The fraudster got access to my bank account and credit card accounts. My checking account with XXXX, BOA credit card account and XXXX XXXX credit card were all compromised. My checking account is with XXXX XXXX  and they were able to stop the fraudulent transaction as they did not recognize the transfer the fraudster was processing. Next day I was able to close my old account and open a new account with XXXX. The night of the fraud I also reported the identify theft to XXXX  and the next day set a freeze to my credit for all three credit bureaus. XXXX XXXX was able to cancel my card and reissue me a new XXXX. BOA was aware of the fraud, contacted me and once i verified it was fraud, cancelled and replaced my credit card. They issued a temporary credit to the account while investigating the charges. In less then a month of investigation, BOA decided that it was not fraudulent and charged it back to my credit card. The two charges that occurred were processed in Florida. I am a resident of California and the day the fraud occurred, I was in California and the CC was in my possession the entire time ( I have evidences to support this ). After I realized that the fraud dispute was charged back to my account I called and spoke to a representative who advised me that at that stage they really cant do much as a decision has been determined. No formal communication was sent to me on the results of the investigation before the card was charged back. I received a letter a week later in the mail to confirm that they determined the transactions were not fraudulent ( total of {$1000.00} ). The representative handed me the fax number to which I could submit my dispute and the postal POBox address I could send the information. At this point I have two fraudulent charges on my credit card that I did not authorize nor charge. In addition, when this incident occurred, BOA reduced my credit limit to the balance on the account as such, now I have charges over my credit card limit which will incur additional fee. BOA has not been forthcoming on how they determined this not to be fraud and has not reached out to me to assist me with this dispute. I have tried to resolve this with them but have not been successful. I do not believe I should be held responsible for a charge that I did not authorize.

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 2019-02-14 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX  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 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not updated my auto account in 3 months as current and paid on time.

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