vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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:
These fraudulent accounts are reporting on my credit report XXXX   XXXX XXXX XXXX XXXX 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 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 2 hard inquiries that I did not authorise on my transunion credit report. Both of them are from XXXX and they are inquired on XX/XX/XXXX and XX/XX/2019. One of the inquires I found out provided a phone number which is not mine. The number is XXXX. I have now deleted that number from my transunion account. I called transunion on XX/XX/2019 about this and they asked me to call XXXX for letter of deletion, but XXXX can not provide me with the letter since I dont have an account with them. Transunion told me they can not dispute those 2 hard inquiries without the letter.

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 2019-06-04 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Visa ( Citibank ) /XXXX debited the amount of a sale of my small business that was a fraudulent attempt to claw back funds they had no right to claw back through a Chargeback process. 

My customer accidentally reported the transaction as fraud, and two days later realized their mistake and contacted Visa ( Citibank ) to tell them of the mistake and that the charge was valid. 

Regardless of this good-faith effort by my customer, Visa ( Citibank ) /XXXX debited my account for the amount of the transaction, sent me a notice demanding a significant amount of documentation to make a claim to get my money back. 

Visa ( Citibank ) /XXXX was told by my customer to pay the charge - that the initial report was a mistake - yet they clawed it back. The removed that money from my account. That is fraud. 

Visa ( Citibank ) /XXXX had plenty of time to stop this process after the customer notified them that they should pay the amount - and chose not to do so. This is an unfair business practice. 

This is XXXX Case Number XXXX - Transaction Date XX/XX/2019

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 2019-06-04 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: HI

Complaint narrative:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from 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 non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I gave recently refinanced my home using a VA loan. I closed escrow on XX/XX/2019. My old mortgage company " Home Point Financial '' has not refunded my escrow account and we are past the 30 day window. I have called multiple times and I have been told that a check has not been issued yet and that I need to be patient. My exact refund is unknown but I have been told by my loan officer that it is about {$4900.00}. I do not know how to move forward with this situation. I feel like I have been patient since we are on day 33 and I still have not received my money. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I was running late on my payments for well over a year I would make the payments at the end of the month. I would always call them and post date a check for when I could make the payment. I have been on time now for the last 13 months. I set up an online account with them only to see they offer you setting up a Promise to Pay with them and they will not charge you a late fee. I have over {$600.00} in late fees sitting on my account that I feel if they would have let me know that such a thing existed I would have not been charged those fees especially because all along I always communicated with them and feel that I should have been made aware of that only for them to be able to charge me an extra almost {$50.00} a month. I did ask them if they would kindly reverse the fees because I feel like I should have been made aware I could have done that so I did not Incur the fee if I could have prevented it and they refuse. I feel like its unjust. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: HI

Complaint narrative:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXXXXXX XXXX   XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: HI

Complaint narrative:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from 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 2019-06-04 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have not had a credit card for 20 yrs with XXXX XXXX. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company XXXX XXXX XXXX XXXX I have called Researgent Capital Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX. XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
General Revenue Services claim to have mailed me debt validation information XX/XX/2019 I am requesting copies of this information to be uploaded to the response in this complaint and mailed to me for my records. I have not received any debt validation or verification according to the Fair Debt Collections Practices Act. 

General Revenue Services has not sent any account billing or details for the amount of {$540.00}. they have place on my credit report - General Revenue Services has also not provided any documents that say they have a right to collect on behalf of any other company for this amount either I am requesting this information be provided with in 5 days of this notice being received This is my 3rd request for debt validation and verification

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 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
My existing mortgage holder XXXX allowed me to do a loan modification, after finishing the three month trial period, they were taken over by another mortgage company PHH. I received a letter telling me not to worry about payments until the modification was done. I called them every two weeks asking what the payment amount was going to be, they told me I would receive a packet from XXXX with the paperwork and auto-pay documents for my credit union, my preferred method of payment and that was how my  payments were previously made.That was in XXXX it is now XXXX and I have still not gotten any answers. They have received four payments, and they are not reflected on my mortgage, they are showing up in my credit report as late, I have called and pointed out they have the payments, they told me they can't apply them until the modification is done. I have been told the modification process takes about two months and during that time no payment is due, they said they would add the two months onto the end of the loan extending it. Four months worth of payments are just sitting there, and I am getting ready to send in this month, not sure why, they are going to report it late, they claim they will straighten this out after the modification is done. After waiting SIX months, I am not sure it will be done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This is regarding a dental cleaning I received on XX/XX/XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX  XXXX sent my account to collections 2 years after I had my teeth cleaned, though the issues was their fault and they failed to file the dental claim through XXXX timely. On XX/XX/XXXX, I went to XXXX XXXX XXXX and got a regular cleaning which my dental insurance, XXXX usually would cover 100 %. I provided XXXX my insurance for the cleaning at the time of my cleaning. I never went back to XXXX againand never heard from XXXX again. 

Almost 2 years later, on XX/XX/XXXX, I receive a call from a Capital Accounts collection agency that I owed {$310.00} from services at XXXX XXXX Cleaning, or it will go in my credit. I told the collection agency my insurance was supposed to have paid dental cleaning in XXXX. I called XXXX XXXX XXXX the following day on XX/XX/XXXX about the collection call. The lady who answered said she was the manager when I asked for the manager. She was very rude and basically told me that I have to deal with the XXXX XXXX collection agency when I asked her to pull up my account to find out what my insurance paid and why they never contacted me for almost 2 years and sent my account to collection agency and she hung up the phone. I called the collection agency again on XX/XX/XXXX to let them know that XXXX said I have to deal with them to find out what my insurance paid. The collection agency told me they do not deal with insurance companies ; all they do is collect payments. 

Also, on XX/XX/XXXX I called XXXX about this dental services from XX/XX/XXXX at XXXX XXXX XXXX. The customer service rep at XXXX told me that they received a claim XXXX XXXX   XXXX for the XX/XX/XXXX cleaning, however that XXXX did not file the claim until XX/XX/XXXX, almost a year later and XXXX had 180 days to file claims and so they denied it for untimely services. XXXX also stated that I do not owe because I had coverage, but XXXX failed to file timely and so XXXX should be responsible for the issue and absorb the cleaning and should never come after me I have contacted XXXX  multiple times, but they always state a manager will call me back. On XX/XX/XXXX, my three ( 3 ) credit scores from XXXX, XXXX and XXXX all dropped drastically because Capital Accounts put it on my credit. 

I have attached documents from XXXX showing that I had coverage for the XX/XX/XXXX cleaning, and that XXXX XXXX   XXXX did not file the claim timely and the denied the claim - " XXXX XXXX - This procedure has been submitted after the timely filing limit ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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 have been a victim of identity theft and submitted all proper documents to Transunion credit reporting agency that relieves me of all financial obligations to underlying creditors. However, under the Fair Credit Reporting Act, pertaining to Fraud and identity theft. Transunion have not blocked/ removed the accounts listed in this complaint. It has been a nightmare dealing with this issue. I am not suspect, I am a victim! I do not deserve to have my character and good name destroyed by someone using my identity to obtain credit. I do not understand or know much about credit, I was told what to do by fraud department at Transunion. Particularly, Mr. XXXX a Supervisor in the Fraud department. Once the identity theft report was receive by Transunion, accounts listed would be deleted/blocked. I am reaching out to CFPB in order to assist me in resolving this issue. I sent Transunion documentation over 30 days ago. However, my credit file is still showing these accounts. Thank for your time and attention in regards to this urgent matter.

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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
I have been asked to submit the same loan modification paperwork on three separate dates with XX/XX/2019 being the last date to Bayview Loan Servicing Company.

I am scheduled to go to foreclosure court on Wednesday XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: IL

Complaint narrative:
One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX.  Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to XXXX in XXXX and was foreclosed on XX/XX/XXXX. XXXX XXXX has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency Dyck Oneal, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: LA

Complaint narrative:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification.

Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that.

You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification.

I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court.

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2017, my American Express Serve Card ending in XXXX was permanently suspended due to alleged violation of the Cardmember Agreement Section 15 ( d ). On XX/XX/2017, I had reported a dispute to American Express Serve for the amount of {$190.00}. On XX/XX/XXXX, and XX/XX/2017, I received an email from American Express Serve indicating they required additional information to process my dispute and requested that I complete paperwork. I believe that my account was suspended due to the fact that I reported this dispute. The timing of when I reported this dispute to when I received an email indicating my account was closed is quite suspect. Now over two years later, and subsequent research, I have become aware that American Express routinely engaged in this conduct in violation of federal law. American Express routinely closes Serve prepaid accounts when a consumer files a dispute, does not investigate or provide credit to the consumers account, and revoked the card without any reason or explanation, often leaving the customer without recourse. There was no reason for my account to be closed as I did not engage in any conduct that would constitute a violation of the Cardmember Agreement. Contrary to its assertion, it appears American Express is engaging in conduct that is against federal law.

Company response to consumer: Closed with explanation