vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, XXXX proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CA

Complaint narrative:
A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. 
The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. 
After the second call i explained i had no debts and if they contacted me again i would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2019 I was on the Michigan Government website seeing which debt collectors were legally able to collect debts in my state. I did not see Santander on the list, but I remembered that they were in my credit report trying to collect a debt. On XX/XX/2019, I sent a letter to them asking them for proof that they are licensed to collect the debt in Michigan, and if they were not, to delete the account off my credit report. They did not send ANY license information proving that are legally able to collect the debt, but they sent a letter back stating that the debt was verified. They completely disregarded the fact that they are not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: FL

Complaint narrative:
today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.

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 2019-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX Inquieries.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - 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 2019-06-17 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: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
My online banking sent checks to Huntington. They cashed the check in XX/XX/2019 and lost the check inXX/XX/2019. XXXX  XXXX XXXX ( my checking account bank ) re-sent the check for XX/XX/XXXX and they did cash that one. They are still saying that they never received either and have reported me as 30 days late on my RV loan. I have never missed a payment EVER. They misplaced one check completely, and failed to account correctly for another. I have been in touch with them for over two weeks and they just notified me that they feel they are correct. They are wrong, I supplied them a copy of the cancelled check from XX/XX/XXXX in support of my argument.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received an IRS notification about a issue with my 2017 tax return. Capital One NA submitted a 1099-C on XX/XX/2017 showing a cancellation of debt for my wife XXXX XXXX SSN XXXX account info XXXX for {$1900.00} I let them know they sent this information to IRS themselves and I need to know what it is so I can respond to IRS appropriately through the attorney I had to hired. 

Supervisors have repeatedly told me they don't know what I am talking about and they can't find any information about my family but they won't give me any type of letter saying its a mistake or any correspondence so I can get this cleared up I need a letter from them stating its a mistake or they need to reverse whatever they sent to IRS in 2017 Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I continue to have problems with Rocket Mortgage. The terms and conditions continue to change every time we go to close. I was to receive 2 months grace upon closing now it is 1 month. The amount has gone up {$1000.00}. The terms keep changing. If I had money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: KS

Complaint narrative:
In mid XXXX, we sent credit investigation requests to Equifax and XXXX. We have yet to receive the results of those investigations and it has been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: KY

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

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 2019-06-17 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: KY

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX FCU- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

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 2019-06-17 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX, we sent credit investigation requests to XXXX and Experian. We have yet to receive the results of those investigations and it has been longer than 30 days.

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 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo cancelled my card 2 months ago while my account is still opened. My account is currently activated and open but Wells Fargo refused to issue me a new debit card, I called customer service and they asked me to bring my id into a branch and have them to call them then they can issued me out a new card, and I did bring in my ID card to the branch 2 months ago but the people in there told me I have to called them by myself, so they keep pushing me around and did not issued me a new debit card for 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 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Failure to provide transparency for rate change as prescribed in our contract. 

New rate calculated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
SINCE XXXX OF 2019 I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. I AM A VICTIM OF AN IDENTITY THEFT THEFT AND THEY HAVE ALL SUPPORTING DOCUMENTS TO HAVE THE ITEMS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, my vehicle was struck by another driver who was trying to complete an illegal U-turn on a four-lane highway. My vehicle was deemed a total loss by my insurance on XXXX XXXX. Since XXXX XXXX, I have made several calls to M and T Bank ( finance company ) regarding assistance with XXXX XXXX XXXX ( my Gap Insurance ). My finance company indicated that after my automobile insurance payment the remaining balance was XXXX. I submitted the information to my gap insurance carrier and they only agreed to pay {$3600.00}. If this was correct, I would still be out of pocket {$3300.00}. In addition, the gap provider known as XXXX XXXX XXXX indicated that I missed several payments that were actually paid. 

For instance, Gap reported no payments for XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. 
XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX I submitted payment history to the Gap carrier, and they are not willing to review it. The Gap insurance advised me that M and T was not accurately applying my payments and indicated that some payments were applied to interest only. In addition, the Gap carrier indicated that I was charged interest for some payments when I shouldnt have been ( as some payments were made during the 10 day grace period ). 
M and T indicated that the Gap Insurance shorted me {$1600.00} and I've requested documentation from M and T to send back to the Gap carrier but they have not been willing to provide it. 

I'm requesting that M and T to help me resolve the issue its almost two months. Ive been hung up on, promised call backs that were never received, transferred back and forth, and now I need both parties Gap and the Finance company ( M and T ) to help me resolve the issue and review all appropriate documents.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In 2013 we declared chapter XXXX bankruptcy Bank of America held our mortgage but we never bankrupted our home or autos and they show that we bankrupted them. They have been contacted and they say they are correct and will not remove it from my credit report. This has cost me untold monies for higher interest rates on cars and refinancing my home. You may call my bankruptcy attorney, XXXX XXXX in XXXX XXXX By the way, I'm still in the home.

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 2019-06-17 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: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 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: AZ

Complaint narrative:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a letter dated XX/XX/XXXX advising that American Express had lowered my account limit in HALF to {$11000.00} because my spending activity on my account had been significantly lower than my credit limit. 

I went through a divorce in XXXX where I had to purposefully let my mortgage payments go 90 days past due, so I could apply for a HAMP. I paid all other bills, and credit cards on time, no one suffered a financial loss and I did get my house refinanced just in my name. At this time, I understood that with my delinquency my credit report took a hit and American Express reduced my limit to {$1000.00}. I understand. 

Fast forward 8 years to XXXX, my credit is in the 800 's. American Express rewarded my increasing credit score with increases in my limit, back to what it was before my divorce. Now I am being PENALIZED with credit restriction on my card because I have to play the credit card game and have enough open credit to make them happy, but wow, I can't have too much open credit I guess. WHAT A SHAM. WHAT A GAME. THEY ARE PUNISHING ME FOR BEING " TOO GOOD ''? I still keep a small balance, they are making SOME money - just not tons with 24 %. 

They didn't alert me to this possibility or I could have had spending activity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The settle amount on the judgement should be the only amount I owe. All the other fees they took as a loss, when we went to eviction court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received two separate notices regarding two accounts which American Express cancelled. American Express, in their letter, informed me that I have the option to pay the balances at a reduced amount provided I go online and set up payment/payments, or contact them. I first attempted to go online, but the site requested full account number which I no longer have access to. ( In the past, when I had contact with American Express, they have declined to provide me with my account numbers although they are happy to request my personal information ). 

I called American Express today, XX/XX/2019 on two separate occasions ; in both instances, where the representative identified himself as a representative for American Express, I was informed that they do not have my account numbers ; this is the company who sent me the notices with the last XXXX digits of the account number ; the company offering a reduced payment, who does not have the account number, I am told. 

I explained to the representative that the website is prompting me to set up an online user ID/pw and requires full account number. The representative in both calls said they they do not have the account numbers. I suspected some fraud, so on my second call, I suggested that the gentleman was not affiliated with American Express and he confirmed he was from XXXX. I told him that it was unfair that he is asking for my personal information while not providing account info to me to create online account. 

Due to the inconsistent nature of the call, the manner in which the representative presented himself, and the refusal to provide me with the account number - critical information needed to make online payments - I concluded that American Express was in violation of the Fair Debt Collect Practices Act and, this representative was not legally allowed to speak with me about this account. 

I ended the call because I felt that I was being treated unfairly and that American Express was using deceptive and unfair practices in this exchange. I also felt that the company hires illegals to collect debt, jeopardizing my personal information. ( why would they deny critical information - the credit card number - that could potentially help me validate the debt amount allegedly owed?? ). Why would a representative of the card issuer, in this case, claim that they do not have the card number on the same call where they asked for the last 4 digits of my social security number??

Company response to consumer: Closed with explanation