vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: MS

Complaint narrative:
Thefollowingaccountsthatarelistedonmycreditreportarefraudulent.Ihavetriedtocorrectthisissuemultipletimeswithnosuccesswiththecreditbureau.XXXXXXXXXXXXXXXXXXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX$XXXX,openedonXX/XX/XXXXChapterXXXXBankruptcyDischarged,filingdateXX/XX/XXXX,referencenumberXXXX,U.S.BankruptcyCourt.Theabovereferencedaccountsareonmycreditfilewithoutmyknowledgeorconsent.Pleaseinvestigate.

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want select portfolio services to show us they are the legal owner on our trust deed.We want select portfolio services to give us oringinal wet ink paperwork that they hold legal title on our home. Many servicers have transferred our loan over the last 13 years we have been done wrong on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Closed on a new home on XX/XX/2019 which is financed through 1st Bank Puerto Rico.Before receiving my first statement, I was given a wrong address to send my first payment to by the 1st Bank mortgage broker. It was a minor error that had an incorrect XXXX XXXX XXXX XXXX vs XXXX. When I received the first statement in the mail which was after my bank (XXXX XXXX XXXX Online Banking) mailed the check with the incorrect PO Box, I immediately called 1st Bank customer service and spoke to a gentleman who advised me to stop payment on the check. I did that and made the August mortgage payment via their website instead.Received a letter today in Spanish which I didn't understand so I called customer service and was told that I will be incurring an insufficient funds fee due to the stopped check.This is unfair as it was not my fault. I was given the wrong address and was advised by their customer service previously to stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: TX

Complaint narrative:
I called to ask the loan company if I could arrange an extended payment plan, or make a larger payment to reduce my biweekly payments, because they are pretty large.  They told me that neither option is avaliable.  If I did decide to reduce my loan with a principle payment, I would still have to pay the amount in the agreement for the remainder of the payoff.

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 2019-08-19 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: IL

Complaint narrative:
Viewed credit file through Transunion in reference to XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I request in writing to the company that this charge of the note and deed of trust will send me copies of the documents that accredit them as owners of my note or mortgage loan, additionally request complete and detailed information regarding any document, transaction involved in the negotiation of my note or mortgage for which I am committed to pay. but I have not received the complete information, they only send information about the incomplete note, they do not send complete documents, or copies of the original documents, request their examination, for the verification of the veracity of the same, they only say excuses.

They are only hide important information , with reference to the original documents, sending the requested information incomplete and truthfulness flaw.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have an amazon store card through synchrony bank and I have recently had my credit limit reduced even though I have good standing with synchrony bank and this card. I have never missed a payment or been late. They have reduced my credit limit which is financial profiling and bias. I have every intention of maintaining my good standing with this card. I think it’s discriminatory to reduce my credit limit and bring it down to the exact balance so I have no room and the interest will put the card over.

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 2019-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2019-08-19 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: TCF NATIONAL BANK
State: GA

Complaint narrative:
The co-owner of an auto loan with Gateway One Lending & Finance filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that Gateway incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
The loan was purchased from MB Financial by Fifth Third Bank in mid-2019.  I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank.  Each time, they do not complete the transaction and are now saying that I am past due on the loan.  Each time, they asked for my routing and checking account number and I have provided it.  They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out.  I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2019-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXXWe recently contacted California Department of consumer affairs regarding a vehicle we bought in XX/XX/XXXX  from XXXX XXXX XXXX XXXX through West lake financial we made about six payments and now on the vehicle and then later we found out the vehicles have alot of recalls more then 10 the dealership which did not disclose about the safety recalls that was on the vehicles so we did a voluntary repo in the which Westlake financial took possession  of the vehicle and sent it to the Auto auction they sold the vehicle for Less then what it was worth and know we are being sued by Westlake financial for the remaining of the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
InXX/XX/XXXX my wife and I got a pre-qualification letter from US Bank and using that we put an offer on a house we liked and our offer was accepted. When we went back to the lender to start our application our assigned loan officer, XXXX XXXX, told me he can not start the application because we will not get approved and the file will be cancelled. I did not want to lose my earnest money so I begged him to start the application and let it be denied but he said that his boss ,XXXX XXXX told him that this file will not be approved and she does not want to have a cancelled file in her team.When I asked for the last time to please start our application he said sorry buddy.We had to go to another lender and start our application but we lost the rate that US Bank was offering and also my employee's discount. I went to my supervisor and told him that this is a violation of fair lending and regulation Z and I want to complain but he said since you are working for mortgage you will lose your job if you file a complaint. I am filling a complaint now because I don't work for our mortgage department any more. Working at mortgage taught me that customers and their interests comes first and what they did to us was unfair and cruel.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX Discover Credit card company called my 2 accounts, my one account ending in XXXX which I had for over 4 years was closed, and my newest account ending in XXXX was closed also, Discover claimed it pulled a credit report from XX/XX/XXXX from XXXX XXXX and on this report they claim I had 3 collections and that they choose to close my good standing account which I was never late and paid in full monthly for over 4 years! When I contacted Discover to inform them, that this is a mistake on my credit report, they refuse to look into the matter and reconsider, what really had my upset, is one my account ending in XXXX I paid this account in full, and was never late, and they closed my account without warning, damaging my credit report in the process. In account ending in XXXX this was a secured card, that I actually graduated from with their step program and was awarded to unsecured, and then they turn around and closed my account anyways without regard to the consumer! The credit report they pulled from XXXX XXXX doesn’t show collections on my report! And the information was either a mistake or outdated! No one from discover called prior to it being a issue and no warning was in place for me to respond to them about their concerns. My credit is great now! And it’s in jeopardy because Discover closed my oldest accounts without warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.

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 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
this involve a children my daughter have XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
i am disputing equifax for a posted removal. i have the documents to prove they should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2019: ordered video stabilizer from XXXXNever received product.On XX/XX/2019: -discovered company and product was fraudulent. The website is gone. The email was returned nonexistent. The product advertising was copied from a much more expensive product from another company. Found non-english video on XXXX that seemed to indicate the product and company was fraudulent.There is no way to get a hold of the company, period.-Same day, called and notified Bluebird/American Express of the fraudulent transaction. They gave me no indication that there would be more documentation needed. Or that I would need to check my email. Therefore I expected the same form of communication...a phone call. On XX/XX/2019 TWENTY FIVE DAYS later - Bluebird sends an email requesting more information from me for the ridiculously obvious fraudulent transaction. And giving me  TEN business days to respond.And giving themselves FORTY FIVE days to respond to me. ( I do not check my email every week unless I am expecting communication.) On XX/XX/2019:Bluebird sends email notifying that dispute is refused. With no information on possible process or time limit to rectify except an address to request information.- Same day, I call Bluebird. Rep agrees that this was an obvious fraud situation and assures me that it is taken care of. My refund is forthcoming.-Same day, Bluebird sends an email to me that says they received my disputeOn XX/XX/2019:-Bluebird sends email requesting documents in .doc, .docx, .pdf, .png, .jpg, or .jpeg, which does not exist., through a cumbersome process - no way to forward an email. I only have an email from a nonexistent reply address.And gives me FIVE business days to respond and themselves FORTY-FIVE days to respond. ( I do not check my email every day.). They did not provide a way to forward the email from the company to them (the only communication I had from the merchant)On XX/XX/2019-Bluebird declines my dispute with no information on recourse.XX/XX/2019I again get the nerve and time together to contact Bluebird.After nearly an hour on the phone, they refuse to attempt to contact the merchant or provide a way for me to provide any proof. I am not happy with the entire burden of proof, with ridiculously short time limits of response, placed on me.  Any attempt by Bluebird to contact the merchant would fail. They can contact them to send them my money. But they can't contact them to see if they even exist?Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
I put a request in writing to my m's insurance taken out of my escrow account ortgage company asking to have my homeowner. I wanted to be able to pay my homeowner's insurance .Roundpoint mortgage deleted my escrow account . I have not been able to have the issue resolved after numerous phone calls and promises that the account would be corrected.The errors resulted in an inaccurate escrow account, misapplied payments and a negative amortization. My concern that all the errors could affect my ability to pay my mortgage. I put together a timeline of events and attempts to have the issue corrected. I have enclosed documents to verify the information reported on the timeline.

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 2019-08-19 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: NC

Complaint narrative:
Problems with Transunion removing items already disputed and indicated as deleted.  Problems with XXXX   point drop in credit score for no reason.Problems with their IT systems and reporting to the XXXX   system and online credit monitoring service.

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 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
The phone number that ‭+XXXX XXXX XXXX‬ AKA Credit Corp Solutions keep calling is not my number. They call from at odd times of the day and to the wrong number. My number is registered on the do not call list. I have no idea who credit Corp solutions is because I have not done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i am disputing XXXX for a posted removal. i have the documents to prove they should be removed!

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