vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact Transunion, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my XXXX/Experian credit report. I called the original creditor to validate the claim and I sent a letter to XXXX/Experian. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from XXXX/Experian saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or XXXX/Experian verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.

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 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I called and the information provided was that I was being charged for {$110.00} as a " Charity Write Off '' for a medical procedure from XXXX years ago. I was also told this was due to no insurance and I was fully insured during this period. The total bill was for {$500.00}. What medical bill is for {$500.00} and why would I only owe {$110.00} if I didn't have insurance? 

This is negatively impacting my credit and isn't fair. I pay my bills and the collection agency makes you feel like you need a shower after dealing with them. I shouldn't have to pay this extortion, but for {$110.00} to make it go away is tempting. Please let me know if you can help. 

I did not take the time to pull all of my old insurance info and medical history, but I am sure I can provide documents if necessary to prove that I had insurance and paid my copay at all visits.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Citi Divident World Master card ending in XXXX for many years issued by Citi Bank XXXX XXXX SD XXXX for several years. Just recieved a letter saying it was closed due to inactivity. That is fine with me, but I had divident dollars they did not send me a check for that. I called the toll free # and spoke to a XXXX who said if the account is closed the divident $ is gone.

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am trying to dispute wrong information on my transunion credit report. I went online submitted all the information and received a message they can not access my report. I was given a phone number to call XXXX. I tried to call this number ... .was told my credit file is in another department. I was transfered to the next department and they told me they need to transfrer me to another department. I have been transferred 4 times then I finally told the rep that they keep transferring me and I need to dispute an account " XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX '' that DO NOT belong on my credit report. These 2 items were to be deleted over 5 months ago. I was told they need to transfer me again. I am submitting this complaint because I can't dispute with transunion this wrong 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 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/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 2018-09-19 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 — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a XXXX XXXX. One of my clients has authorized US Bank to talk with me at least 3 times, but they keep saying that they aren't authorized. 

They also say that the authorization only lasts 24 hours and then it stops. Is that legal?

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 2018-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Crosspoint Financial Inc.
State: CO

Complaint narrative:
Shortly after I bought my first house in XXXX, I began receiving letters from Crosspoint Financial offering to lower my mortgage interest rate or to refinance to get my home equity in cash. The offers were not better than my current mortgage rate but were aggressive in their persistence. I ignored them until I moved to another home in another state in XXXX of XXXX. Shortly after the first letter I received that was forwarded from my home in XXXX to my home in XXXX, my wife called Crosspoint and spoke with a representative who agreed to remove my name from their mailing list. We have received another letter.

Not only is mine and my wife 's information on the Do Not Call registry, but we also spoke directly with this company to ask them to stop  harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: NC

Complaint narrative:
Company Transunion still reporting incorrect debt that has been settled and I am no longer liable for. 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 2018-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
For the months of XXXX, XXXX, XXXX and beginning of XX/XX/2018 I received repeated calls from Bridgecrest Acceptance Corp. The calls would be back to back and incessant ( I have my phone records ) .I received a call yesterday from " XXXX '' from the company indicating that they are only allowed to call 3 times per week and leave a message [ or something to that extent ] ). I explained to her that wasn't the case and to provide me with a call log ... the conversation ended there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
To whom it may concern : On XX/XX/2018 my regions debit card was stolen out of my property. I was not aware of this fact. I called the next morning and checked my balance and thought everything was fine. That day XX/XX/2018 i tokk my lunch break and was going to the bank to make a withdrawl and i got s strange feeling. So i called to check my balance again and my account had been withdrawn all the way into the negative XXXX dollars.at that point i got my wallet out of my pocket as quick as i possibly could only to discover thst it was missing. there were 4 transactions on my account from random gas stations that equaled up to XXXX there were also 8 more transactions done on the internet that equaled up to {$1800.00}. as soon as i became aware of this i called, had my card cancelled and immediately went to the bank and disputed these charges. Even as i was speaking to the customer service rep. the culprit was trying to make another transaction on my account. Regions told me they would come to their decision within 10 business days.Well, today is the 11th day and i have not gotten the first email or piece of mail letting me know the decision either way. Please help me. That money in my account was from an insurance payout on my car when it was totaled. without it i have no money for another car to get back and forth to work.

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 2018-09-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, consumers have the right to request validation of debts being negatively reported to your credit report. On XX/XX/XXXX, I mailed an initial validation letter to XXXX XXXX XXXX requesting they provide documentation showing proof this account belongs to me. On XX/XX/XXXX, I received a letter stating the debt had been validated, however no documentation was provided showing a contract between XXXX XXXX XXXX and myself bearing my signature. As a result, I sent a follow up letter on XX/XX/XXXX to them requesting for second time, they provide proof or remove account from my credit report. On XX/XX/XXXX, I received the same letter stating the account was correct and had been validated. I have not received any proof or documentation bearing my signature or any legal contract. Therefore, this account has not been validated as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: PA

Complaint narrative:
On XX/XX/XXXX my XXXX account was hacked and someone fraudulently ordered roughly {$8600.00} in tickets. They charged {$4900.00} to my XXXX Card and charged another {$3600.00} to a " XXXX XXXX '' account that was opened up without my knowledge. On XX/XX/XXXX I was able to have XXXX refund the money and close the credit account that was opened fraudulently. I just got a letter in the mail yesterday about XXXX running a credit check when opening the account and saw that my credit score was lower than it was previously. I then went and checked my credit score on my XXXX card ( it's one of their free features that I can see monthly ) and my score dropped about 23 points. The reason of it dropping was the account that was opened without my knowledge I'm sure. I don't miss payments and worked towards getting my score as high as possible. I was previously at 780+. I would like to have this charge removed from my credit history as it was fraudulent. If you need any more information please let me know.

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 2018-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
cfpb : recently moved to Hawaii and was told by XXXX that payment was past due, however when receiving bill from past due purchase, after paying for purchase, there was no indication where purchase was made?

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report 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 2018-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern, Bank of America ( BOA ) has  increased my mortgage payment for the past 4 months than sold my mortgage to XXXX XXXX XXXX with fees and a higher monthly mortgage payment. I asked XXXX XXXX   to explain the increase in mortgage payment. I was told they did not receive any documents form ( BOA ) only the monthly mortgage payment ; therefore, they could not explain the increase in mortgage payment. 

To provide a little background I purchased my home in XX/XX/XXXX at a fixed 4.25 interest rate currently {$190000.00} balance and a {$60000.00} balloon payment through HUD. BOA inherited my load three months after my closing date. However, BOA wasn't given any documents from my initial mortgage company XXXX. When I requested a home modification in XXXX which I was denied. BOA discovered they didn't have any of my loan documents from XXXX. Therefore, BOA filed some type of illegal court claim to have their name listed on the Deed of Trust. This battle went on for three years ending with BOA giving HUD wrights, listing HUD on my Deed of Trust and me owing HUD {$60000.00} due at sale of my home or at the end of the 30 year loan agreement. This results in me owing more on my home than the market listed value. I'm seeking a mortgage audit to save my home and receive a doable mortgage payment. 

I can be reached at XXXX Thank you in advance for any assistance with saving my home. 

Respectfully, 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 2018-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EMBRACE HOME LOANS
State: MD

Complaint narrative:
Our loan was refinanced in the summer of XX/XX/XXXX. Our first payment was due XX/XX/XXXX under the new loan. We tried multiple times to submit our payment using the online portal, but our payment was continuously denied. After troubleshooting, it was determined that the error was on XXXX 's side, as they were using the wrong bank account/routing number, despite us submitting the correct information multiple times. Needless to say, they were unwilling to move our first payment due date to XX/XX/XXXX to compensate for their mistake. Since that time, the payments were applied in a manner not consistent with our expectations, and we fell further and further behind accruing fees and other charges. In XX/XX/XXXX of this year, the lender refused our monthly payment, sending it back to our account. We submitted a package of loss mitigation documents to the lender on XX/XX/XXXX and involved a representative from HUD. The mortgage lender got back to us a month later stating they needed more updated documents, which were submitted. We received another letter saying our package was incomplete, and they wanted even more documentation. Today, XX/XX/XXXX, we received multiple notices stating our home was due for auction XX/XX/XXXX, despite having active loss mitigation activities ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX I paid off the mortgage with Bank of America so that I could sell the property thru XXXX XXXX XXXX in XXXX, Oregon. Several months later I received a cashier 's check dated XX/XX/XXXX for overpayment on the closed account in the amount of {$560.00}. I was told that the check was good for 5 1/2 months. When I took the check into the XXXX, Oregon branch of Bank of America I was told it had been reported as lost or stolen which was impossible as I still had the check which had not been endorsed. Later I was told by the bank manager that the wrong number had been recorded and the bank would send me a replacement check. I have been trying to get my money returned to me. These are the ID # I have been given during this process -- XXXX. During the last ticket # I was told as all of the other calls that check would be sent. I have never received a check. Every time I have dealt with Bank Of America I  have made sure that they had my email address, my new phone number and my new mailing address in XXXX, Oregon. I have faxed a copy of the original check to B O A on XX/XX/XXXX. I have closed all accounts with B O A and bought a new home that is completely paid for in XXXX. Please help me recover my money from from this irresponsible bank.

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