vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OR

Complaint narrative:
BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt. 

STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.

I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.

Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TX

Complaint narrative:
cra violation inaccurate information please remove asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TX

Complaint narrative:
cra violation inaccurate information please remove asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: NY

Complaint narrative:
I mailed TransUnion a letter that contained the most recent and accurate information along with the dispute on the account with XXXX. It was sent on XX/XX/XXXX, but their response to the issue number XXXX did not address it.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage servicing company transferred the servicing of my loan to Loan Care. Loan Care did not mail me any information on the transfer or a coupon in order to pay my loan.

I made 8 calls over TWO days, 6 of which went unanswered. All I was able to do was to hear how I should make a payment but was not given the correct information to do so. 

When I was able to speak to a human on XX/XX/XXXX, Agent XXXX, she said she would both mail and email a copy of my loan documents to me. When I opened the email from Loan Care, I discovered I was sent a copy of another person 's loan statement, including the loan number, property address, and PO Box the person used for his mail. 

When I called Loan Care again, I was on the line for 1 hour and 20 minutes, most of that on hold. 
The agent on this call, Agent XXXX, was finally able to obtain my correct loan information and have it emailed to me. 

The bigger concern of the agent, who was very nice, was the disclosure of the other person 's confidential information to me. 

When I asked why I had not received a loan payment package Agent XXXX told me her company had only received my loan as of XX/XX/XXXX, and would not be sending me a bill until XX/XX/XXXX, by that time my loan payment would be late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: U.S. BANCORP
State: NY

Complaint narrative:
Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   Company, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to  XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX   Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XXXX XXXX XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, 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 2018-03-06 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: DISCOVER BANK
State: NY

Complaint narrative:
Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   XXXX, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against Discover Card Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with Discover Card Company for the reported amount in XXXX XXXX XX/XX/XXXX XXXX, they denied my dispute. However, the same company later acknowledged in XXXX ( XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from Discover Card Company ). 

Thank you, Sincelry, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2018 I made a payment to U.S. bank in person in XXXX, Washington for XXXX. They have been having problems processing payments because they have a credit card number that is different than the statement dual credit card numbers. I called U.S. bank on XX/XX/2018 at XXXX. The credit card had my wife and I listed and they stated I was a employee and not authorized to speak to them. I demanded to talk to the supervisor and escalated to the manager. The manager refused to turn this over to a officer of U.S. bank stated " Need it in writing ''. I asked to speak to their lawyers she refused to cooperate. U.S. bank did not post the XXXX payment on XX/XX/2018 and did not mail the bill or have a online statement to print out. U.S. Bank states their logo " all of us serving you '' looks like a false statement.. I am going to have to ask for a fraud investigation into this incident for the following reasons : 1 ). Failed to post XXXX payment on XX/XX/2018 FCRA violation XXXX fine 2 ). Failed to mail out a bill or make available a online statement to print out fdcpa violation XXXX fine 3 ). Civil action possible under arbitration for personal damages to be determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: NY

Complaint narrative:
I feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was trying to obtain funding to start a business, and the potential creditor required that I sign up for XXXX. The funding process was going to take much longer than anticipated, and the credit monitoring free trial ran out. I suffered an accident that will prevent me from pursuing the business for some time, and I gave been unable to cancel the credit monitoring service. Every time I call, the wait time is in excess of 2 hours, and something always happens that forces me to hang up before talking to someone. I have been in the hospital for 2 weeks, and don't have the luxury to wait on the phone for two hours to talk to a rep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been in contact with the creditor of my auto loan in XX/XX/XXXX and XXXX to XX/XX/XXXX stating my loan is not appearing on my Transunion credit report but its showing on the other two : XXXX and XXXX. The creditor repeatedly tell me they are. I contacted Transunion and got no where. I even sent a certified letter of my complaint but got no where. I pull a recent copy of my credit report, got a statement from the creditor and called Transunion. They tell me my creditor has to call the marketing service department at Transunion. I relayed the message to my creditor to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: GA

Complaint narrative:
I have no idea who PMAB , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PMAB , LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ PMAB , LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to  PMAB , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX I have been dealing with acceptance now on a account that was not in contract but continues to report to my credit report as open and delinquent I have reached out to the district manager and higher and have not gotten the proof needed I get told off and talked to bad as of now the delinquent have hurt my credit score tremendously they have lied liked they call me and have not I am fed up with the treatment and my credit being damaged because the manager refuses to send me the letter stating this is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX  and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our 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 non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
I have been trying to get my house affixed to the land and am willing to sign papers where the land is part of the house. I spoke various times to the company without resolve. I am also trying to get a VA Loan since I am a XXXX Veteran but still no progress with company. I gave the new loan company the information and authorization to get the information of the current loan and the current company still declined to give them information. As a XXXX Veteran I am trying to get my due rights of a VA Loan but the existing loan company is blocking all attempts.

Company response to consumer: Closed with explanation