vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

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 2019-02-12 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: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Professional Credit Management , Inc., was listed as the debt collector for an amount of { {$340.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you! move from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX refuses to remove a mark on my credit that was paid and I have disputed it and they won't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: FL

Complaint narrative:
This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill. 
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one! 

Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED! 

The debt was paid by XXXX  XXXX Claim number XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Comerica
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX  XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX  EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX   XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX  XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX  ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX  XXXX ACCOUNT EXCESS CARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello Respective Officer, HEre Iam writing this complaint against EQUIFAX - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX Bitcoins in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ XXXX XXXX XXXX company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX  and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX but they rejected my REFUND .Hence I had to reach the insurance provided by XXXX [ TRUSTEDID ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed! Have attatched the Police complaint and Summary of Benefits! Let me know if anything else needed! Included the email conversations with XXXX  and the screenshot of the transfers done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted the following complaint to CFPB : " On XX/XX/XXXX, I contacted Transunion to resolve unauthorized inquiries on my credit report. I called and asked to speak with a US representative. I was on the phone for over an hour getting hung up on and transferred to multiple departments. I recently pulled my annual credit report and noticed many inquiries that were removed had been slowly added again. They were added during the data breaches of XX/XX/XXXX and XX/XX/XXXX. They were later removed, but have since been reinserted. I was told that it was not possible to remove them. I did NOT receive a written 5 day notice informing me about the breach or transunion reinserting the inquiries. This is a violation of the FCRA. Transunion may not continue to violate my rights. 
Please remove the inquiries that were added back. I have included a list of inquiries that should be removed. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Pleas do not reinsert these. Thank you. '' The company ( Transunion ) responded via mail and stated that they would not be removing the inquiries. According to the FCRA, these inquiries NEED TO BE REMOVED WITHIN 30 DAYS. Transunion is violating my rights and this will not be tolerated any longer. Please remove the inquiries and send my new report to the address that you have one 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 2019-02-12 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: Credit Karma, LLC
State: OH

Complaint narrative:
SO I got hit with an inquiry from XXXX XXXX XXXX XXXX, and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with Credit Karma. Credit Karma tells you to contact the credit bureaus and then XXXX tells you to contact XXXX ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor. 
I never received correspondence to dispute the validity of this debt. PLEASE HELP REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
We send our our mortgage payment plus an extra {$500.00} every month ever since we have had our loan with Ditech. They have miss applied our payments for a couple of years now. They have called us making threats that our mortgage is not being paid they keep adding it to a funds in suspense account. They keep charging us a late fee. Our mortgage balance keeps going up instead of down even though we are paying an additional {$500.00} that needs to be applied to the principal. We have made several calls and nothing is resolved. They keep telling us that a supervisor will call us back or that the department that fixes the mistakes will call us back and nothing. 

We need to get this fixed immediately. We have proof that our bank has been sending our payments every single month on time. Sometimes they take up to 2 weeks to apply our payment after they receive it. 

Please help we have no idea what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I can not believe Equifax 's response. They indicated they could not locate a file for me yet they report information every month. Again they are reporting a XXXX XXXX on my report and it's over 7 years old. I want it deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I placed an order with XXXX XXXX costing {$10.00}. Upon submitting the order I noticed the incorrect address was used ; an address I havent vacated in years. Before the order was processed I spoke with four different representatives from XXXX XXXX who ultimately did not cancel the order even though it had not been processed or fulfilled. Before the order shipped I spoke to an additional three people who said there was nothing they could do which is utterly ridiculous. They advised me to dispute the order with PayPal which is ludicrous. Now the order has arrived at a location states away with new residents. I have no way of receiving the package and the XXXX XXXX is saying nothing can be done since the package was delivered even though I warned them weeks beforehand. I am extremely frustrated and upset I feel scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing this complaint as I have exhausted all other options. For several years, my family and I have been victims of credit card fraud, bank fraud, and have all had our credit scores immensely fall. 

My mother, a government worker ( USPS ) for over 30 years has a credit score of XXXX after 2 fraudulent accounts were opened in her name by XXXX XXXX XXXX and Discover Bank.For 20+ years my mothers credit score and credit history was perfect, 750+ credit and fico scores for over 20 years and in a matter of two years her credit devastated. 

I, a XXXX year old college graduate have been unable to even open a credit card. There is one account that is currently on my credit report and several Hard Inquiries. I have filed FTC reports but that did not help. I have filed fraud for these inquiries and account and yet no proof is provided that they are my accounts. The credit card account in question is a discover card with a balance of {$1200.00}. Please help me get my credit back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had three separate issues since Wells Fargo acquired in XX/XX/2018. First, they increased the loan balance over {$1000.00} at the time my loan was acquired. This was only corrected after calling and emailing several times. Second, the escrow balance was incorrect. This was corrected once the original loan servicing company got involved and was the mistake of the original company. I only share this because it has lead to Wells Fargo 's most recent error. Wells Fargo increased my monthly payment inexplicably. It appears it is related to the amounts they have entered for taxes. Even though I have pointed out their error and how it is impossible to be the correct amount, they have refused to correct the payment amount. I believe Wells Fargo is doing this to their customers in an attempt to pocket more for the company 's benefit. The increase is just over {$30.00} a month.

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 2019-02-12 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: LA

Complaint narrative:
I filed a identity theft, report # XXXX and did a certified mailing to XXXX, Equifax and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX/XXXX  balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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: LA

Complaint narrative:
I filed a identity theft, report # XXXX  and did a certified mailing to XXXX, XXXX  and Experian. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX an

d ( 2 ) XXXX XXXX. The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items
became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report.

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief