vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-01 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:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On Transunion reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.

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 2018-07-01 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: NY

Complaint narrative:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on Equifax reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is in reference to a Barclays Credit Card, XXXX XXXX XXXX XXXX. 

I closed my credit card account on XX/XX/2018 after paying all outstanding charges. 

On XX/XX/XXXX I recieved an email that I was past due on this closed credit card. 

After contacting the company on XX/XX/XXXX, I was informed that on XX/XX/XXXX, a company called XXXX XXXX submitted a charge which they claimed was made XX/XX/2018. 

I tried to contact their fraud department but they did not pick up the phone after 20 minutes on hold. 

I do not have the credit card number since I cancelled the 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 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I contacted ProCollect about a month ago and requested they stop calling my mobile phone and to contact me via postal service. I still receive calls and voicemails from ProCollect.

Also, I sent the them information and requesting a copy of a contract showing my signature that I owe ProCollect {$530.00}. I advised in the letter I sent that I do not owe ProCollect and never went into business with them. I requested they delete all information on my XXXX, XXXX, XXXX credit report because I never signed a contract with them and they are reporting inaccurately. 

They did not delete the information and they did not show me a signature from myself showing I owe ProCollect.

However, that ProCollect sent me paperwork sent to them by the company that paid them for my account information.

I attempted to resolve this issue, but not successful.

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 2018-07-01 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:
In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX 's card, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.

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 2018-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have three mortgages with PennyMac. I paid XX/XX/2018 mortgages through a bill pay service. One check was issued for all three mortgages. PennyMac held the check for several weeks and then posted to one account. I was made aware of this when I started getting robo calls regarding my two unpaid accounts. THREE times now I have called in to correct the problem. Yes, THREE times. I have to hold while they investigate, confirm my previous calls and then continue to hold while they make notes to repost the payments. Now one of my accounts is 30 days late. Enough. It shouldn't have happened in the first place, but after three attempts and my time and frustration and now that it is affecting my credit, it is time to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: TX

Complaint narrative:
IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I mailed XXXX a certified letter requesting " debt validation, '' and send me everything they ( Transunion ) have on file to validate these collections. Transition has failed to prove me with the requested documents for a XXXX XXXX account, and a XXXX account within 30 days of the date of the letter that was sent.

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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion file number XXXX incorrectly reporting my name as XXXX XXXX XXXX. I do not carry a middle name. Please remove XXXX from my name.

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 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX   refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have contacted LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo says to try to work out disputes with company first, then let them know. I've tried and I've come across a very bad situation that needs upper level help .... 

My father, XXXX XXXX, has been forced to move out of his home for quite a while due to disabling XXXX XXXX. Im a POA and have only recently bothered to check his bank accounts due to his stressful life events preventing proper handling of those concerns. Ive now realized that although he believes he expressed a notice to his utility and other service providers, there have been charges to his bank account from vendors and services operators for which he is not able to use as a service. 

Especially at the bank level, XXXX expressed his competency concerns with Wells Fargo. Although hed moved out in 2016, and due to reverse mortgage rules, Wells Fargo took over the home soon after, Wells Fargo tolerated the inappropriate charges. Wells Fargo now claims they didn't do the takeover since they transferred their reverse mortgages to another company. If responsibility should be due to the mortgage holder, former or latter, I would note that I left a note on XXXX belongings which contained sensitivity personal belongings, and I did not hear a word. Either the bank, the mortgage holder or the reverse mortgage takeover workers, or those service operators, shouldve been responsible to prevent inappropriate charges to a 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 2018-07-02 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We had a deed in lieu of payment on a house in XX/XX/2015, the bank signed off on it. 

I called the bank and found out who I need to talk to, I have called several times and have never been able to speak to XXXX XXXX at XXXX and she has not returned my calls. 

The bank should show that the loan was satisfied, but it show 100 % paid off AND XXXX balance AND currently late payments ... so totally wrong, this needs to be removed from my credit report. 

SANTANDER BANK N.A. 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Thanks for your 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 2018-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX states I owe collections and I never got a collection letter. I have no knowledge of this collection. Second of all they reported on my credit through transunion has collections type under XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX. Now through XXXX they report the account has a factoring account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The one collection that which they claim I owe {$240.00} is now two accounts of {$240.00} with two different addresses and the company name the same with resurgent on one. I can furnish my credit report if needed to show proof. But the CFPB will have to request it from me first because im not falling victim of illegal practices and/or scams. So I never got a collection notice and this company is reporting two different types of collections one on XXXX   has a collection account and one on XXXX has a factoring account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Dear Sir, Citizens Bank did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records, clearance records and statements. Original Checks are missing and original checks are not returned to me. There is no electronic transfer authorization given to any bank or originator. Only Authorized checks XXXX/XXXX were given to US Department of Home Land Security ( for my individual XXXX premium processing fee amount of XXXX $ ) and Immigration Law Firm Respectively ( Immigration Law Firm fee amount of XXXX $ for processing XXXX premium documents ). Respective Law Firm has given the written statement that they have correctly deposited my original checks to Bank and US Department of Home Land Security, I am at liberty to submit the invoice, scanned copies of my original checks and law firm written confirmation to any Honorable Court, Respective Law Enforcement, customs officers and Immigration fraud department, I have only given Authorized checks with checks and social, and I have not given any electronic transfer authorization to anyone. I have only given Authorized checks XXXX/XXXX for my individual XXXX premium processing ( my address, SSN and my individual premium processing details are clearly mentioned in the check and address is same for all my checks since the day I opened the Charter One/Citizens Bank account ) to Immigration Law Firm. Citizens Bank violated authorized check terms and conditions, fraudulently tampered my original checks and destroyed my check clearance records and scanned copy of the checks in the Bank Statements and Records. Citizens Bank/Charter One Bank holds the complete legal accountability and responsibility for tampering my checks in the records. It comes under forgery act at concerned immigration department If anyone claim or use XXXX/XXXX checks for any kind of immigration benefit or visa on behalf of me, these checks XXXX/XXXX were only given for my individual XXXX XXXX renewal Premium processing along with my signature and SSN. In the response to my previous Grievance, Citizens Bank accusing US Department of Home Land Security and Law Firm that they did not deposit the original checks to Citizens Bank. May I sincerely pray Consumer Finance Bureau to refer my complaint to Respectable Federal Officer/Law Enforcement officer to investigate my complaint against citizens bank and also check with immigration fraud department, this is very important for me. There is a high possibility that my checks have been misused by someone and misrepresented me at XXXX, accordingly my original checks are missing, check clearance records are missing and check images are missing in the Bank Statements for Authorized checks, which is unlawful and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
In XX/XX/2014 an account was opened in my name at an apartment complex named XXXX XXXX which left me with a collection that i do not owe nor have anu knowledge of on my credit report for the amount of {$450.00}. Since then i've filed a police report of identity theft and the apartment address was taken off my credit but the collection company refuses to take the collection off even after being told it was fraud and I was a victim of identity theft. I've filed an FTC report as well as disputed it with the credit bureaus numerous times and they still will not remove this collection from my credit.

Company response to consumer: Closed with explanation