vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
We completed a FHA 203K remodel at XXXX XXXX XXXX XXXX, WA for your clients XXXX & XXXX XXXX XXXX and have not been paid by The Money Source , the loan holder and her hired FHA consultant XXXX XXXX has engaged in fraud and produced a fraudulent report, we hired an FHA Compliance Officer whom inspected the property and determined that nothing was wrong with it. Our payment is being illegally withheld. A copy of the report has been sent to the bank, ( The Money Source ) we are demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
In XX/XX/2018 I sent a certified letter to XXXX XXXX, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over six months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, XXXX Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY BUCKLES AND BUCKLES PLC, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX year old female with such serious health issues. I have lost weight, can't sleep, and my XXXX flare ups are XXXX. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

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 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-02 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: NC

Complaint narrative:
Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MS

Complaint narrative:
We finally received a response to our XX/XX/XXXX request on the deduction of {$1000.00} from our escrow account via XXXX XXXX on XX/XX/XXXX. Selene Finance admitted that the so-called escrow analysis was an audit of their records and reflected an error on staffs behalf with our account being credited with the {$1000.00} when we refinanced ( 2 ) years ago in XXXX. While this should have been told to us in the XX/XX/XXXX, correspondence on a rate increase with NO explanation, the fact that it took numerous e-mails, calls and correspondence from us - a three-month delay in an honest response is appalling. 

The redeeming factor with that correspondence was that once the error was admitted to, we were also assured that 1 ) Late fees would not be held against us. 2 ) Adverse credit reports would be removed and 3 ) We would be expected to pay the additional escrow for XXXX, XXXX and XXXX that we withheld waiting on clarification for the {$1000.00} negative adjustment to our account. We have fulfilled our responsibility and our payments are current and correct as of XX/XX/XXXX. 

Payment History Mortgage Interest Escrow XXXX {$600.00} XXXX Payment Ck # XXXX {$200.00} {$250.00} {$130.00} XXXX {$600.00} XXXX Payment CK # XXXX XXXX XXXX {$130.00} XXXX {$600.00} Payment CK # XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX Check # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Check # XXXX ( enclosed ) XXXX XXXX XXXX Unfortunately, Selene Finance has not fulfilled their responsibility! No adjustment has been made to our account for late fees. Payments since XXXX are hanging out there unapplied to our account correctly and billing continues to reflect that we are past due which in NOT true. 

All this grief was unnecessary they could have just admitted in XXXX someone made a mistake that needed to be fixed. We would have gladly agreed to the necessary increase immediately to insure our property taxes and insurances were covered with escrow funding. We have never been late on a mortgage payment in the past 12 years. We also never had such poor customer service. We asked last month that all errors be corrected by XX/XX/XXXX which has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have contacted Midland funding about 2 accounts I have settled and paid! They indicated on a recorded line that this would be removed from my credit report after paid and settled, according to credit report it should raise my score! Neither account have been removed! One is from XXXX paid in full and one from the beginning of XXXX! I have sent 2 emails and got notification they had been read and made one call where I was disrespected! Then they placed a derogatory remark on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( accnt # XXXX ). XXXX XXXX, DPT ED/XXXX, XXXX XXXX, DEPT OF EDUCATION/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 2019-10-02 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:
Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.

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 2019-10-02 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had been having unexpected expenses between XXXX and XX/XX/2019 due to an illness and medical bills.I had overdrafted about 6 times during that period. Since I receive a monthly pension automatic deposit of {$5800.00} on the XXXX of every month and an automatic deposit of {$940.00} on the XXXX and another {$940.00} on the XXXX of each month from a part time job I usually have enough funds to cover any overdrafts during an emergency or period of extra monthly expenses. So I was billed {$35.00} in overdraft fees for about 6 times during this period. That's about {$210.00} in overdraft fees which I expected to incur and which I could make up with the funds coming in the following month. Well 's Fargo has a policy of permitting up to 3 overdrafts transactions per day with a {$35.00} overdraft charge per each transaction. They also have a policy of not charging an overdraft fee if the transactions occur within 24 hours of an automatic deposit and a policy of approving the transaction if an automatic deposit is scheduled to be deposited within 24 hours. However on XX/XX/2019 a {$240.00} transaction for XXXX XXXX   was declined at XXXX mst even though the next day was XX/XX/XXXX and an automatic deposit of {$5800.00} was scheduled within 24 hours, It is suspicious that when it was not advantageous for Wells Fargo to collect their {$35.00} overdraft fee they simply denied the transaction in direct violation of what they advertised their policy is. This is false advertising. When I called and complained they simply said it is at the discretion of a computer and not guaranteed. It appears that it is only guaranteed they will approve an overdraft transaction if they can charge a {$35.00} overdraft fee but if the overdraft transaction occurs with 24 hours of a direct deposit and they can not charge a {$35.00} overdraft fee they decline the transaction in direct violation of their advertised policy.

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 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay 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 explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
i have NO knowledge of this medical debt??!!! 
checked with my medical insurance and they have nothing pertianing to this alleged debt. 

i request this be removed immediately from AR resources i have been anable to reach them via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.

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 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I received notice of Servicing Transfer with some major errors from XXXX mortgage and LoanCare. XXXX would not take my call and LoanCare can not help until XXXX more days. 

The letter received XX/XX/2019 but dated XX/XX/XXXX from LOANCARE stated that there was going to be a change in my loan number. Letter received XXXX XXXX, 2019 from XXXX did not say anything about a change in loan number. 

The letter from XXXX MORTGAGE did not provide the correct address to send payment. When I finally received the official welcome package from LOAN CARE it specified a different payment address. 

As a result of these errors I sent my ( ON TIME ) payment to LOANCARE with the incorrect loan number and to the incorrect address. The payment was sent online from my banking institution and has already cleared 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 2019-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
I have had this issue with this company before, they are reporting a public record on my credit report that is not mine and I am having to submit a complaint to get assistance with removal of this inaccurate information. XXXX XXXX is the company that they normally use to verify public record data and I currently do not have anything reporting to my account. I would like for this to be corrected and the information removed from my credit reports immediately. This is the fourth time I have had to send in a complaint to CFPB and i would like this item removed asap. 


I am a victim of ID theft and I have provided proof to the bureaus previously.

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 2019-10-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my XXXX and Experian credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from Experian or 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 non-monetary relief