vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2020 you provided a payoff on this account good through XX/XX/2020. The account was paid in full on or around XX/XX/2020 by the new lender, XXXX XXXX. The payoff included interest to XX/XX/2020 in the amount of {$1300.00}. 

On XX/XX/2020 I called and asked to have auto-pay cancelled so the payment due XX/XX/2020 would not be drafted at the instruction of my new lender. 

On XX/XX/2020 you drafted the payment due XX/XX/2020 in the amount of {$1800.00} despite my revoked authorization to do so. 

On XX/XX/2020 I called and was told the account was drafted in error and the payment would be immediately returned. 

On XX/XX/2020 I still had not received the drafted payment refund so I called again to inquire. 
First, I was told that I would receive two checks. The first was an escrow overage in the amount of {$1600.00}. The second check in the amount of {$1300.00} would be for the principal portion of the payment drafted on XX/XX/2020. When I asked about the difference from the amount drafted ( {$1800.00} ) and the second refund check ( {$1300.00} ), I was told the difference was applied to the escrow balance and that amount was included in the escrow refund check ( {$1600.00} ). 
When I asked for more clarification on this, including the escrow balance previous to the XX/XX/2020 payment, I was put on hold and the representative spoke to a supervisor in the escrow area. I was then told that the unapplied disbursement check in the amount of {$1300.00} was for a payoff overage and was not related to the payment drafted on XX/XX/2020. The representative informed me that the payoff we were provided on XX/XX/2020 was based upon the assumption I would make the XX/XX/2020 payment. 
I informed the representative that the payoff included interest to XX/XX/2020, in the amount of {$1300.00}, and that the per diem amount shown on the payoff is {$25.00}. This would equal 52 days of interest, which would make the XX/XX/2020 payment unnecessary as it was already included in the payoff. Additionally, I reminded the representative that the XX/XX/2020 draft was unauthorized and that on XX/XX/2020 I was promised a full and immediate refund. 
At that time the representative informed me that because the loan was closed he did not have access to all the information he needed to assist me with my requests. He referred me to this email address for more information. 

At this time, I request that you refund the payment drafted on XX/XX/2020 in the amount of {$1800.00}. I also request a 12 month payment history, an escrow detail for the past 12 months, and the amount and date the payoff was received, the amount and date the payoff was applied, and an accounting of how the payoff funds were applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Both income earners in our family have lost their jobs due to Covid-19 and Citi Visa refuses to work with ANY of its customers to assist in deferring payments and interest in this very tough time for people. I have a XXXX  XXXX and XXXX XXXX and they have both assisted with NO QUESTIONS ASKED. I have talked to 5 different people at Citi Visa and they keep telling customers to " call back as no assistance programs are in place. '' This has been almost one month of being told the same thing. Very poor for a XXXX XXXX dollar company especially since they are advertising that they are helping their clients all over the web ... FALSE.

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 2020-04-02 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: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Nationstar Mortgage LLC # XXXX is being incorrectly report as late for the past 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have tried multiple times to dispute this account with all credit bureau 's I am a XXXX combat veteran with a 100 % service connected rating when I call merchant & professional this morning and informed them of my  XXXX status the person who answered informed me that it was not his job to bill the VA and that when I am taken in a abulance it is my responsibility to tell the abulance company " XXXX XXXX XXXX XXXX '' that they should bill the VA. I asked for the account to be removed from my credit report and to send me an itemized bill so that I could forward it to the department of veterans affairs myself. I was spoken to very rudely and treated like a criminal by this person for a abulance ride that I don't even recall having gone on. I have disputed this account so much that the credit bureaus will no longer allow me to dispute it again. I do not know what else to do so any help with this matter would be great thanks and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This company has sent no validation/ contract showing that I owe {$120.00} despite me requesting it. They have also refused to provide proof that they own this debt and have the right to collect. After speaking directly to the original creditor on XXXX and confirming that I do not owe, it still has not been removed from my credit report.

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 2020-04-02 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: NC

Complaint narrative:
Inaccurate information on credit report.

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 2020-04-02 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: NC

Complaint narrative:
Inaccurate information on credit report.

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 2020-04-02 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: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : SENSBLAUTO XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AZ

Complaint narrative:
XXXX XXXX  XXXX # XXXX is being incorrectly report as late for the past 8 months.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX  XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

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 2020-04-02 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: AR

Complaint narrative:
I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX  XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

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 2020-04-02 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: AR

Complaint narrative:
This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. Credit Acceptance originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for Credit acceptance to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.

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 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score dropped from XXXX to XXXX on XX/XX/XXXX. I received this information from XXXX XXXX, noting that on this date a '' derogatory public record '' had been entered on my credit report. 
I contacted, by mail, Transunion Credit Reporting Company, requesting an explanation for this decline in my credit score. 
I do not recall any incident that occurred prior to XX/XX/XXXX that would be considered " derogatory public information ''! 
I did dispute a charge with a physician 's office, but unable to recall the date of my visit to the doctor? I had paid this physician, in full, for the amount charged! 
It is my understanding that derogatory reports by medical doctors and/or facilities will not be considered as " derogatory " and can not be used to reduce a person 's credit rating. 
I have not received any response from Transunion Credit Reporting and request that CFPB contact them for an explanation.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureaus added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however Equifax lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on Equifax. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX Equifax Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
I HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2020-04-02 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: AR

Complaint narrative:
This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!

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