vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 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 applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: NV

Complaint narrative:
I was a victim of identity theft. I have filed all necessary complaints. Account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: NC

Complaint narrative:
I have already filed a complaint and will be filing another based on the false information that the bank responded with. 

The information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. 

however, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! 

SoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA " Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers " Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide " Consumer Dispute '' guidance.

You agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. 

You did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. 

You people apparently do not know the difference between a Reg E complaint and a " Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. 

I think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ingo Money, Inc.
State: CT

Complaint narrative:
A transaction made on XXXX in the amount of {$740.00} shows as pending despite canceled minutes after it was made on XXXX. According to the terms, transactions can be canceled within 24 hour period, there appears to be a technical issue on the end of Ingo Money, the company transaction was made from. I verified transaction canceled with another rep, she confirmed it. Ingo Money should verify this and fix any technical issue so my account does not become inactive. I elected to take check to XXXX  XXXX XXXX, the bank it is drawn from, cash it in person due to an emergency. In the event the check is returned on end of Ingo Money, the transaction was canceled and should show as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account had fraud done on it and I submitted all the paperwork back to Bank of America, but they never resolved my issue. I had lost my card and pin number and someone had deposited checks from my account. I have never had checks while having this account. They said the checks totaled to about {$10000.00}, but I don't know how they would let someone get that much money out of an account that has never had more than {$300.00} in it at a time. This is hindering me opening an account with any other 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
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, our loan was transfer from XXXX XXXX  to SPS for servicing. Due to my bankruptcy, there was an issue with my statements as the address on file was my attorneys address, once we rectified this, I got my first statement and I noticed an entry for Deferred Principal in the amount of {$7800.00}. On XX/XX/XXXX I called SPS and talked to XXXX asking for an explanation on the {$7800.00} deferred principal that was showing on my statement. She was unable to locate the reason for the extra principal but explained that this was something that was received from the prior servicer. She said she was sending a request to research and that I should receive something in the mail. 
I received the documents showing an adjustment for the same amount on XX/XX/XXXX but no other explanation. 
On XX/XX/XXXX I sent a letter with all the documents below asking SPS to for an audit on my Mortgage Loan and for a clear explanation with supporting documentation proving the reason of the addition. 
Attached the following documents : XXXX Form 1098 showing and outstanding mortgage principal as of XX/XX/XXXX of {$210000.00} XXXX XXXX # XXXX Statement dated XX/XX/XXXX with an outstanding balance of {$200000.00}. 
SPS Loan # XXXX Statement dated XX/XX/XXXX with an the following amounts : o Interest Bearing Principal of {$190000.00} o Deferred Principal of {$7800.00} o Outstanding Principal of {$200000.00} I did receive a letter stating they received my letter and documents but I have not received any information from them. Once again, My latest statement is till showing a Deferred Principal in the amount of {$7800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX  - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been 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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
We took out a loan with XXXX XXXX for home improvements on a property my Dad left me when he died in late XX/XX/XXXX. The loan was subsequently sold off to NewRez. 

Starting in XX/XX/XXXX, NewRez started threatening to purchase home insurance on the property if we did not furnish proof of insurance. I immediately provided our current proof of insurance. Their next letter was that they required proof of insurance going back to XX/XX/XXXX thru XX/XX/XXXX. We had changed insurance companies since that time and I had pitched those past records so I requested a Letter of Experience from our old insurance company which I then provided to them ( showed we were covered from XX/XX/XXXX thru XX/XX/XXXX ). 

I called and they said that was not enough proof. I was able to get my hands on my original insurance certificates from my lender and uploaded them as well as all other insurance docs showing proof of insurance from the day one of ownership in XX/XX/XXXX. Received a form this weekend ( XX/XX/XXXX ) stating they purchased {$980.00} insurance for us and set up an escrow account which has a balance of - {$980.00} and stating that our payment will go up almost XXXX XXXX/month because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: IN

Complaint narrative:
Oxygen Recovery Group is attempting to collect a debt that is not owed. The original creditor is XXXX XXXX, XXXX. They said the collection is for an early termination fee of {$990.00} plus fees. I never had a contract with them, so there is no way I terminated a contract early. I have asked for ( and not received ) written proof of this contract. They also said this occurred in XX/XX/XXXX, but the first Ive heard of it or received any information regarding it is the collection on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
Consumer agency is reporting a civil record that is fraudulent. 

Case # XXXX is fraud. Remove off report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 — Problem with personal statement of dispute
Company: PROVIDENT FUNDING ASSOCIATES
State: UT

Complaint narrative:
I had an electronic error when paying on-line ; I have 2 rental properties through Provident Funding and have my entire life paid on time and NEVER been late in 40 years. 
In XX/XX/2019 I loaded Bill Pay and thought everything was handled. At the end following month when paying bills I had a mail notice from Provident Funding of XXXX payments not being made and delinquent. I immediately picked up the phone and made payments plus penalty. I was informed due to it being more than 30 days past due it was already reported to the credit agencies. The Provident supervisor recognized that I have NEVER been late and said there was nothing they could do and apologized. 
My credit score went from XXXX  to the mid 600 's. I feel this unfairly hurts my ability to obtain lowest interest rates. 
Provident Funding had my home phone number which has not been in use for several years ( These properties have been with Provident for 13 years ). We did correct and change to my current phone number. 
What I believe must have caused this was simply that I did not hit " send '' after completing my Bill Pay. 
The amounts were as follows : First property {$760.00} plus late fee = {$790.00} Second Property {$1000.00} plus late fee = $ XXXX I contacted Provident Funding the day XXXX opened the mail - Thinking it was the standard payment statement but found it was a late notice and immediately called and handled the issue - the same day. 
I am looking for any help you may be able to provide in correct this so my credit score will reflect my 40 years of great history. 
I worked with Provident Funding XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) 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 2020-03-09 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: OH

Complaint narrative:
I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXXMy current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX account balance was paid directly to XXXX XXXX technician during service call ( {$87.00} ). I was unaware of any balance owed as Id moved from my old house and the account was not switched from my name by my roommate that stayed. I then found that credit collection services opened an account ( XX/XX/2014 ) with the original creditor named XXXX XXXX. When I contacted CCS ( Credit Collection Services ), I told the representative that the debt was paid already and they said that I owed a fee for them managing the account. I paid their fee even after I explained the situation with the company over the phone. They said even though I paid them their fee, they would not remove the account unless they had a letter from XXXX stating the debt was paid and can be removed from my credit report. Ive contacted XXXX and they were not been able to find the account information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been 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 2020-03-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been 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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America to date from 14 days ago still refuses to close my account. I have screen shots and recordings of account activity showing negligence and then giving me a check for the wrong amount. They are allowing payments to get pulled out of my account and said they can not put a stop payment on my account because of the status allowing it to accumulate more fees.

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