vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Notified company that this debt is fraudulent and that I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: GA

Complaint narrative:
There are several accounts that are reporting incorrect status information. I was never late on my XXXXr - 30 days in 2019 on XXXX, XXXX, and Equifax.

I was never 30 or 60 days late with XXXX/XXXXXXXX  XXXX on XXXX  and XXXX. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: NJ

Complaint narrative:
Experian wont remove a XXXX XXXX  account that is not my account

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 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
An account with XXXX was opened online in my name by a family member. XXXX XXXX  collection agency originally had the account. I previously obtained a police report and XXXX XXXX Fraud Department sent an affidavit, which I had notarized and sent back in along with any other supporting documentation that they asked for. After doing this, the collection was removed from my credit report ( XXXX  and XXXX  ), which as of XX/XX/19 has been re-reported with another collection agency ( Enhanced Recovery Company ). I don't understand why the credit bureaus keep allowing this to happen after proof has been sent in verifying my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I added money to a SECURED credit card with Bank of America. I requested a credit limit increase by their website and was " approved '' gee thanks after all it is my money. This was confirmed by a letter from the bank dated XX/XX/2019. I received other letters negating the transaction. On XX/XX/2019 {$1000.00} was removed from the secured account and listed as a " fee ''. The money has vanished. It was not sent back to the checking account and I have no physical check or communication as to where the money is. Worst of all not only am I being denied " credit '', I am being denied access to my own money. These lying cheating thieving malefactors should be fined at the very least and this RICO bank busted into a zillion tiny pieces.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to XXXX  XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and  XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar Mr. Cooper in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at Nationstar Mr. Cooper servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with  Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2019-12-04 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:
On XX/XX/2019 I sent out a letter disputing a fraudulent XXXX account with Experian. They came back and stated that the account had been verified by XXXX. 

In XX/XX/2019 I called XXXX about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called Experian about the account, in which they had just opened a dispute on XX/XX/2019 again with XXXX. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until XXXX provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX ) have already removed this fraudulent account from my  report, however Experian has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.

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 2019-12-04 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: OLD NATIONAL BANCORP
State: AZ

Complaint narrative:
I had a mortgage with XXXX XXXX, which was in the process of being foreclosed on when they were bought out by Old National Bank. The actual foreclosure and transfer of deed took place on XX/XX/XXXX. Old National Bank has incorrect reporting on my credit bureau stating that THEY foreclosed on me XXXX, XXXX. THAT IS INCORRECT. 

I am trying to make a home purchase and my current lender has reached out to OLD National Bank, as well as I. Old National Bank claims to have no paperwork regarding this issue and nothing has been done. My credit reports should only reflect a foreclosure from XXXX XXXX  in XXXX of XXXX. Old National shouldn't even be on my credit report!

I will attached a copy of the deed for proof. 

Please help me resolve this issue, I am trying to make a FHA home purchase and I can not until this is resolved. 

Respectfully, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
I am on an automatic payment plan with Heartland ECSI. 

XX/XX/2019 I wanted to make a payment on my largest loan with the highest interest rate. Heartland ECSI does not allow you to target specific loans. This is unjust. To make a payment online one is charged a {$10.00} fee, and a 3.95 % charge. This is clearly immoral and wrong. 

XX/XX/2019 I made a check payment to Heartland ECSI of {$1000.00}. The payment was not processed. See attached : " Payment Not Processed '' .pdf. 

XX/XX/XXXX account statement reads {$870.00} Past Due and {$18.00} in Fees. See attached.

Subsequent statements, also attached, accrued interest and fees on this amount. I did not take any action on paying these fees and amounts, since I thought it was clearly a mistake. 

XXXX I called Heartland and they said it was a mistake. The removed the fees from my account and the Past Due amount with interest charged. I asked why was my one-time payment not processed. They said they " could not find the account. '' I asked how can I submit a payment without paying the exorbitant fee. 
They said send in a check. 
I already tried sending in a check ; that is what caused this problem in the first place. 

In short it is seems impossible to make a one-time payment to Heartland ECSI without some sort of exorbitant fee for the privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19 someone had transferred me {$31.00} using XXXX. I received an email confirmation from my bank, Bank of America, stating that the funds were transferred to my account, however the funds were not available. I contacted my Bank and was told the funds must have been canceled on the other end and to have the other individual contact their Bank to see why it was canceled. 

I contacted the person who sent me the funds and they contacted their Bank, XXXX. XXXX informed the person that the funds have successfully transferred and is out of their hands. I then contacted Bank of America to check their system again for the transfer, and again, they told me they never received it and suggested the person who sent it to file a Reg E claims with their Bank.

The person filed a Reg E claims and re-sent me the funds for {$30.00} since they were provided a temporary credit for the funds. I successfully received that transfer. A couple of weeks later, the person was informed their Reg E claim was denied and the temporary funds were removed from their account. We both ended up contacting XXXX, and they informed us that they are only the transferring party and they do not handle situation such as this and referred us to resolve the issue with our Banks. 

It has been over 5 months and we have no idea where the funds is. Although this is not a massive amount of money and the loss minimal, I still believe the Banks or XXXX should be able to properly trace the transfer and find out what really happened. Nowadays, I use XXXX and other transferring service quite often and I would hate for this to happen again.

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 2019-12-04 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: EQUIFAX, INC.
State: KS

Complaint narrative:
This problem isnt exactly covered under any of the above lists. 
Credit bureaus will offer an early exclusion on some accounts if they qualify. The early exclusion time period varies. When I learned about this I decided I would ask Equifax for an early exclusion. I had to file a dispute in order to ask for the early exclusion but was clear that was all that I wanted. 
My credit score dropped 63 points! This is ridiculous and a dirty trick to stop consumers from opening any kind of dispute. 
Equifax will not give points back when the investigation closes. 
I dont think they should be punishing consumers for filing a dispute or asking for an early exclusion when all of the credit bureaus participate in it. 
Equifax also breaks down your score and tells you what factors affect your score and by what percentage. 
NOWHERE does it state that disputes are calculated into your score but they definitely will take big points away if you file a dispute. 
Where is the transparency? How is this legal? 
I was just expecting a YES or NO answer to my request. There was no need to damage my credit because I asked a question! 
Now my Equifax score is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I called today because I received a letter about my loan. She asked me when I could make a payment I stated on the XXXX. She asked how many I stated one. She then stated then I'll contact the lawyers They had previously used a lawyer to get a payment by way of a lawsuit. I was shocked by her threat

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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A recurring charge was posted on my bill for {$200.00}. This charge came from an email service that was no longer providing an acceptable service for us. I downgraded our service to {$5.00} just to keep our account open and asked the merchant -- XXXX  -- to refund {$190.00}. Since the merchant is not U.S.-based, the only method to contact it was by opening a help ticket on its site. I asked for the refund in the help ticket, but never received a reply. I then disputed the charge on my Capital One bill, but it was denied. When I called Capital One to discuss the denied credit, I was told since I did not have any documentation, it was my word vs. the merchant and even though the merchant never sent Capital One any reply, my dispute was denied. When I emphasized I did not have any documentation since XXXX  never replied to my help ticket, Capital One just stated there was nothing else it could do and tried to settle by crediting me {$100.00} of {$190.00} I disputed. I rejected the settlement. I believe Capital One is acting in bad faith. I have had this card for many years, but that didn't matter to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX   : Same with XXXX. Wrong balance reported. Should be {$250000.00} XXXX  : Same with XXXX. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}

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 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was notified of a collection on my account for {$640.00} from Midland Credit Management. I am unaware of this debt and I have never received any debt notification or right to dispute. Midland Credit Management has been told by CFPB not to contact me a couple years back for harassing me and calling my work for another separate debt they claimed I owed but didnt two years ago and now they are starting the process again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.

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 2019-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.

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