vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Im continually contacted by individuals claiming to have legal documents that are being filed against me, or I will be arrested for Theft By Deception in regard to an old debt. The callers ask for me by my married name which I have not used since XXXX. The debt is one that the original creditor took me to court for in XXXX and I have heard nothing on the case since a date in XXXX where the creditor improperly garnished my bank account and the Judge found in my favor and I was refunded what was removed from my account. The debt has been removed from my credit report. 
The callers threaten me with having people come to my home and serve me legal documents, and have made claims that I have a warrant for my arrest for Theft By Deception. I have contacted local law enforcement and the court and no actions are being taken against me. 
I have requested several times for these calls to stop as I do not owe the debt. The collectors are very rude and accusatory. I just want the calls to stop, i do not owe this debt, and Im not paying them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivable Management disclosed my information to a third party on XX/XX/2020. They left a message on the third party phone that they were a debt collector trying to reach me. When the third party called them they released my name, the amount of the debt, what the debt was from, and the interest rate. The third party told them that they can not release this information and the manager said send me proof, are you going to pay this today or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: NY

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF 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 non-monetary relief
Consumer complaint received 2020-01-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This will be my third time which the first time was in XXXX and the second time was in. XXXX. The third time is in XXXX  and I am requesting to take an account off my report for incorrect information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. Date of last payment made was ruled as XX/XX/XXXX which is also incorrrect per the creditor. FCRA states that if any information is reported inaccurate they have to take it off. ' account # XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am again appealing to your organization for the umpteenth time. I am being treated unfairly by TD Bank, N.A., TD Bank has illegally confused my account and now it shows me as being delinquent again. This is not true, it is a bank error as admitted by TD Bank themselves, they lie about providing proof of the error and they also claim that they have fixed the error and now they will not provide a letter stating that the problem has been fixed. When I inquire of the letter they simply reply that they need several signatures to approve my getting a letter showing proof that the problem has been corrected. 

This is a second complaint ( a new one ) against the same bank ( TD Bank ). I am being singled out as retaliation for filing a complaint against TD Bank in XX/XX/2018. And now they want to attack by confusing my account to make it appear that I am in default so that they can illegally take my home. 

Very truly your, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I received a letter XXXX dated XX/XX/20 ) from XXXX XXXX Card Services on XX/XX/20 advising they closed my Kay Jewelers credit card account due to inactivity. I received no prior notification of this closure. I called customer service and was told that is just what they do, I escalated to XXXX she kindly told me I can re apply but reopening my account is not an option. I requested her manager as 2 issues : You have damaged ( lowered ) my credit score by closing the account. This lowers my percent of usage and shows an account recently closed. 2 if I reapply that is a hard inquiry on my credit which also lowers my credit score. I request that this account ( that was in good standing ) be reopened immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
IN XXXX XXXX i recieved notification that i was to recieve a refund check due tocharges associated with the may have contributed to the repossesion of my car on XX/XX/XXXX besides now having a bad credit report from then they finially reached out to me i recieved three letters pertaining to the refund and on one letter it stated tht XXXX XXXX a cosigner of the went into bankruptcy and the the case was closed two mmonthe prior to recieving notification about this refund well weeks went by and i one day called to ask about my check and when i was going to recieve it they gave me the run around at first and then they stated that in there system it shows that i already recieved payment and cashed it i told them it was true and i wanted to file fraud on whoever did it Wells fargo stated that it was out of therr hands that i would have to take it up with the trustee XXXX XXXX out of spokane i stated ive been trying to contact him ever since i found out about refund but any and every secretary of his would tell me the same thing they stated i dont have a case with him i told them i know that but my check went to him and he cashed it and they stated they would take the message and to call back well now being XX/XX/XXXX im still with bad credit nothing got fixed or repaired and im not satisfied with the outcome to my understanding this is a colateral protection insurence not a auto loan and so i requested a copy of my policy several time and i have yet to recieve one one employee even told me he couldnt even check it to c if i was the only one on the policy well as of yesterday XX/XX/XXXX i found out by phone that i was the only one on the policy so regardless of anything else the refund should have never went to the trustee please help

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a Capital One 360 checking account. My son was XXXX XXXXy and was in the XXXX resulting in me missing work. My wife asked her mom for money from from and inheritance from her grandma to help with our mortgage, whenever her mom pays her this money she puts it in an account that is just her name to keep track of how much she gets and then my wife writes a check. my mother in law didnt know that they closed out those accounts after the grandpa died the trust changed. So the check that was wrote came back bad and that it was a closed account. Because of this capital one closed my account. The first time I was notified of this was XX/XX/XXXX. That same day a direct deposit from my employer came in. I was told it would be mailed in 7 to 10 business days. I called on the XX/XX/XXXX and was told it was scheduled to be mailed out on XX/XX/XXXX. I never came so I called on XX/XX/XXXX I was told it was going to be mailed on the XX/XX/XXXX. I called again yesterday to make sure and found out it still hasnt been mailed, I was told an email would be sent. This money is needed, it is my money. I am behind on my bills have ended up with late fees. I need this check ASAP I have a brand new baby that has to be seen at the doctors an hour away two times a week. I need all my money right now. Capital One had made this a nightmare from the start, they wouldnt even give me a chance to prove what happend with the check from my wives inharitance, just treat me like a thief or something. I do not want an account or to do business with them again, I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same 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 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citibank AAadvantage executive credit card more than a year ago. The representation was made that the cardholder would have access to XXXX XXXX XXXX XXXX. Recently the credit card issuer citibank changed the terms of the user benefits to limit access to XXXX XXXX to cardmembers who were booked on an existing XXXX XXXX ( or affiliated airline ) the same day that the cardholder sought access to the XXXX XXXX. Previously the card could be used at any XXXX XXXX XXXX   without regard to which airline the cardholder was booked on. This unilateral major change in benefits should allow the cardholder to withdraw from the program. I requeted a refund of the {$450.00} annual fee which was charged to my card in XX/XX/2019. I was told by the Citibank telephone representative that I was too late and could not cancel the card and obtain a refund. I believe that Citibank acted in a fraudulent manner in changing the benefit without allowing customers to cancel and obtain a refund.

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 2020-01-16 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: NY

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF 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 non-monetary relief
Consumer complaint received 2020-01-16 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: NY

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I had service with XXXX XXXX in XX/XX/2019, not sure of exact dates. I used the services to work from home. I had multiple issues w/ service being interrupted for technical issues on their behalf which caused me to have to work in the office around end of XX/XX/2019. I called and called my service eff XX/XX/19 because I had new service installed by XXXX  on XX/XX/19. While my service was active at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX  I continued to receive statements saying I owed for services no longer being rendered. I called XXXX on XX/XX/19 and spoke with a supervisor by the name of XXXX who advised me I would only owe {$44.00} due to prorated charges they billed me for services thru XX/XX/19. I received a collections letter for {$88.00} which is not correct. I disputed these charges by phone on XX/XX/19 and received a letter from CPA ( collection agency ) stating XXXX is still saying I owe the said amount of {$88.00} with no proof or validation of how I owe that amount when I had services with another provider at the time they are accusing me of using their services. I terminated my services with them as of XX/XX/19 and do not owe the amount they are requesting.

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 2020-01-16 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: M&T BANK CORPORATION
State: OH

Complaint narrative:
I have submitted an account investgation with all 3 credit reporting agencies about 3 delinquent payments on for my mortgage that are incorrect. 3 time my mortgage company came back and stated that the information was correct, even though I have evidence to the contrary.

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This report was made. XX/XX/XXXX. I have reason to believe That theres a hacker pinching money from navy Federal Credit union and all of their customers. A forensic accountant Can find it all I know is that on the XX/XX/XXXX I have {$920.00} on the XX/XX/XXXX i paid XXXX i ended up with XXXX left the next XXXX I only spent XXXX on this he XXXX I only have XXXX left now this is not adding up I have see this continuously happening in seasons from XXXX the same thing happened to XXXX in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 2020-01-16 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: CA

Complaint narrative:
I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: NV

Complaint narrative:
This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Transunion with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through nail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. The balance would be {$17000.00} as you can see in the documents i have. Date of last payment made was ruled as XX/XX/XXXX on Transunion which is also incorrect per the creditor documents. The last payment was made XX/XX/XXXX. There is stuff that is inaccurate that Transunion has two times to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # 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 2020-01-16 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:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS

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 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have an escrow account set up with my mortage company..My real estate taxes was due XX/XX/2019My mortage company stop payment to them but still collected my money..I have enough in the escrow account to pay my real estate taxes but they refused to send payment out. There has been some penalty added after XXXX XXXX XXXX..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation