vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2015 Balance : {$4800.00} Terms : High Balance : {$4800.00} Limit : Past Due : {$4800.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in XXXX i tried to obtain a credit card i was denied because payment history on my credit report so i contacted the school XXXX XXXX XXXX asking about this tried to despute but it was fail then contacted the next lender but was a fail so please verify all personal info that was submitted including signatures and high school diploma etc. please take into consideration of the attatched file is my signature with my additional info. and include the following collectors for this report TRANSUNION i have submitted two disputes for many errors on my report and Transunion claims they conducted a thorough investigation and they still claim that their information is correct.. Again i would like to state i have no idea who established those loans that severely affected my ability to obtain positive credit. collector : XXXX opend date XXXX XXXX closed XX/XX/XXXX paid {$1100.00} collector adress XXXX XXXX XXXX XXXX XXXX wi XXXX phone XXXX XXXX XXXX collector : XXXX XXXX XXXX Opened on XX/XX/XXXX closed on last payment XX/XX/XXXX amount paid {$3000.00} charge off adress : XXXX XXXX XXXX XXXX AZ XXXX phone : XXXX XXXX XXXX last collector XXXX XXXX XXXX XXXX opened date XXXX XXXX closed XXXX XXXX amount : {$1100.00} adress XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone : XXXX feel free to contact me for more info if needed XXXX XXXX XXXX if you can not reach me please leave a detailed message with a direct contact number thank you

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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I contacted IQ DATA INTERNATIONAL IN in regards to bill on my credit report for the XXXX XXXX XXXX XXXX XXXX. While I did stay at the XXXX XXXX XXXX XXXX, in missouri a landlord has 30 days to send an itmized list of damages and the amount. MO Rev Stat 535.300. the  XXXX XXXX XXXX XXXX neither contacted me about the amount nor gave me a list of any damages and i am disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I called XXXX XXXX they are reporting a wrong address and refuse to change it!!! I lived at XXXX XXXX in XXXX XXXX! I moved out because of XXXX heads moving in the pool area and left! I gave permission for XXXX XXXX to empty the apartment with a signed letter he gave his personal forwarding address and now XXXX XXXX   reports this address as mine!!! I called on numerous occasions to fix and they refuse to help last call was XX/XX/XXXX. All I gave XXXX permission to do was empty the apartment and that's it and XXXX XXXX permission to let him that's it not give a false address!

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 2018-12-07 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: CA

Complaint narrative:
I have disputed the late payments on XXXX  XXXX, XXXX XXXX, XXXX  XXXX for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2018-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
" Granted '' a HELOC from CITIBank in XX/XX/XXXX, interest only for 10 years, ballooned in XX/XX/XXXX, started " Loan Modification '' in XX/XX/XXXX. After sending in the same information over and over again, requesting information not necessary, finally made it to Underwriting for the second time only to be denied a " Loan Modification '', they now have me over {$18000.00} past due and was told to bring my account current or do a short sale! I was " Granted '' this loan with a picture of my property taken out of a car window in the dead of winter and I spoke with NO ONE regarding questions on the house, if they would have spoken to me they would know that it was started in XX/XX/XXXX, added on to 5 times, has no conforming sewer and a sandpoint for water, thus I was told that I have too much equity to qualify for a loan modification!

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 2018-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I applied for a an FHA loan and they gave me a preapproval of XXXX then as soon as they got my credit card information and i put the deposit of {$500.00} they broke contact with me and revoked my loan approval on grounds of which were already discussed before they gave me the approavl which was my tip income not being counted. Then XXXX XXXX wrote me an email saying my credit ard would not be charged / I would be refunded the XXXX deposit as no services were received but yet they have failed to stop the payment charged on my XXXX credit card and I now have the charge showing as a payment due. the following is the response eail from XXXX regarding the XXXX deposit - On Wednesday, XX/XX/2018, XXXX XXXX CST, XXXX, XXXX XXXX wrote : Good Afternoon : Thank you so much for reaching back out to me. I am terribly sorry your loan is not moving forward and we have found ourselves in this position. Right now I can tell you that I will be digging into your loan application from start to finish to assess what happened and take corrective action as necessary. In regards to your deposit, I will be making sure we refund this to you in full. Right now there is a pending charge, but I will be having my accounting team remove that pending charge from your card. If you have any questions regarding this, please do not hesitate to contact me. 



XXXX XXXX Executive Resolution Advocate Quicken Loans Executive Office Direct : XXXX - Toll Free : XXXX ext. XXXX Fax : XXXX XXXX Every Client Every Time No Exceptions No Excuse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX at about XXXX, I XXXX XXXX the XXXX/XXXX of XXXX  XXXX XXXX in XXXX Maryland got a call from a Bank of American representative, She asked if I had made any online transfers within the past 24hrs.I said No. She told me to report to my local Bank Of American branch because some suspicious transactions has been noticed on my account.

I immediately reported to my local branch and it was discovered that some funds totally {$44000.00} has been illegally transferred from my account by unauthorized personals, who I do not know nor have any sort of of business relationship with.

The branch officer contacted Mr. XXXX XXXX, Bank Of American ; s small business representative. A decision was made to close the account and stop all my online transaction until the fraud issue is resolved. An investigation was also initiated to have the issue resolved. 
On XX/XX/XXXX I got a call and subsequently a letter from Ms XXXX XXXX from Bank Of American fraud department which indirectly accused me of knowing of the fraud because it was not possible for someone to go to my account to conduct such transaction. I told Ms XXXX that I do not know these individuals nor have I authorize anyone to conduct business on my behalf. They also indicated that, for such transfers to be made from my account that a notice must be sent to my phone by Bank Of America, no notice of such transaction was sent to my phone.They have also indicated that my phone might have been ported that could be the reason I did not receive any notice of the transactions on my phone. I have gotten my phone records during this period from XXXX XXXX XXXX which shows that my phone was not ported nor did I receive any message from Bank Of America.

A request for Bank Of America to reconsider their decisions was filed and up till now they have decided not to speak with me, respond to to my emails, nor my attorney 's mails or emails.

Is quiet unfortunate that I have been treated so bad by the staffs of Bank Of America especially XXXX XXXX despite the fact that I have been a loyal customer to Bank of America for over 12 years of being in business.

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 2018-11-30 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: IN

Complaint narrative:
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised Transunion, XXXX, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if 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 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: HI

Complaint narrative:
On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: SD

Complaint narrative:
These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. 

Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. 

This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.

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 2018-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I got your response from previous complaint # XXXX, but you still can't hold my rewards cash balance, it has ~ {$50.00}. GIVE MY MONEY BACK!!! 

I know you have the rights to close my account, but you can't just take away my cash rewards. It's unreasonable at all. All the other banks like XXXX, XXXX, XXXX all give at least 30 days to redeem the remaining balance. How could you take away my cash reward without noticing me in advance? Don't you think it is unfair to me, do you?

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 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: IN

Complaint narrative:
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, XXXX, and Equifax and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: IN

Complaint narrative:
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, Experian, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if 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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to remove incorrect information from an XXXX report. We are attempting to get a home equity loan and the XXXX report shows a mortgage under my name with my social security number This mortgage was closed in 2015. Wells Fargo says its our problem to solve because they cant find the account in their records. Wells Fargo did not remove the mortgage from the XXXX  report This is holding up a home equity loan we are processing with our credit union

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 2018-12-01 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: CA

Complaint narrative:
Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.

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 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance. 

I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I applied for a loan modification and made all three of the trial payments on XXXX XXXX and XX/XX/XXXX. My modification paperwork stated I made all my trial payments and was accepted for the modification and on XX/XX/XXXX my first payment of XXXX would be due and would be my payment until escrow was figured out I received a letter that on XX/XX/XXXX my payment would increase to XXXX which would be my new payment with escrow. Called to make XXXX payment and agent said would not take payments of XXXX needed to pay XXXX I said my paperwork says XXXX is payment for XXXX and XXXX and XXXX XXXX I had 5 agents tell me to pay XXXX and 4 agents tell me no XXXX and 6 supervisors told me only XXXX and 4 supervisors told me no XXXX one supervisor took a XXXX payment said it was correct and someone else canceled it out because it was not XXXX this went on for 3 months until mortgage was 3 months behind 20 calls later it was never fixed and now 4 months behind and no one agrees on XXXX and XXXX payment amount just filed act 91 notice XX/XX/XXXX this is with freedom mortgage XXXX XXXX XXXX XXXX TX 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