vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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:
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR  - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed Transuinion via XXXX XXXX, disputed XXXX  and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on Transunion and XXXX  XXXX Collection still on Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with TransUnion - 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 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid off my mortgage in full on XX/XX/XXXX. The bank stated I would received the funds in my escrow account in 15 days. Today is XX/XX/XXXX, 15 days later and I have not received any funds. In fact the bank had not even begun the processing the return of the escrow funds until after I reminded them. Bank continues to discriminate against me by giving me a hard time at every turn, failing to abide by what they promise and not caring at all when repeated mistakes occur.

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 2019-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website. So, I went from always being current on my mortgage to always being charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.

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 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
For the past two or three months, I have been charged a {$15.00} fee. There is no description or reason listed for the fee on the monthly statements. I reached out to PennyMac and XXXX claims that I was late on my mortgage in XX/XX/2018 and XX/XX/2018. I have NEVER been late on my mortgage. I was participating in a plan because of Hurricane Harvey and as a result, I should never have been charged any fees, penalties, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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:
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed XXXX  and Equifax via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and XXXX  XXXX Collection still on XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: GA

Complaint narrative:
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed Experian and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and Experian XXXX Collection still on XXXX  and Experian XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with Experian- XXXX XXXX  XXXX Collection reinstated with 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 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX. 

A complaint was also filed with XXXX XXXX XXXX XXXX  on XX/XX/XXXX, against Resurgent and XXXX. 

I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We purchased a second home for our daughter. The original mortgage was with XXXX XXXX in XXXX, NC. The loan was made on XX/XX/XXXX. We were told that we could cancel the PMI when we had paid loan down to 80 %. The original purchase price was {$88000.00}. After our down payment of {$13000.00}, we financed {$74000.00} for 30 years. The following year, the loan was sold to Wells Fargo. As of today, XX/XX/XXXX, we owe approximately {$69000.00}. We have requested on two occasions to Wells Fargo to have our PMI cancelled. Wells Fargo sent a letter stating that we had to get to 65 % balance of loan to cancel our PMI. We hope that you will be able to assist us in this matter.

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 2019-01-24 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: GA

Complaint narrative:
I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.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 non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check. 

Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real! 

When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!

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 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello there I discovered that a debt collection company, XXXX XXXX XXXX, had purchased an old debt from Citibank of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to XXXX XXXX XXXX in XX/XX/XXXX because XXXX XXXX XXXX had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with Citibank and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by Citibank multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to Citibank, Citibank finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when Citibank sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all Citibank related accounts were closed since XXXX to XXXX. No new Citibank account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and Citibank to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against XXXX  and Citibank. 

A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against XXXX and Citibank. 

I will proceed with lawsuit if XXXX XXXX XXXX and Citibank fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.

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 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2018 - I created a XXXX transfer using the bank of america app. I made a mistake of sending the transfer to my brother. I called bank of america immediately and was advised that they can not cancel the transfer and would have to wait for the funds to clear. I called after a few days and was advised that a claim needs to be filed for me to get the refund. I received a letter in the mail after a few weeks stating the my claim has been declined that I have to reach out to my brother to get the funds back. 

This practice is in complete violation of UDAAP. In the event that a consumer makes a mistake in transferring funds, we should be give ample time and capabilities to cancel such transaction. In my case, i did. I called. It is unfair for consumers to be unable to correct mistakes done when transferring to in incorrect 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 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: MD

Complaint narrative:
Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is an update, I just spoke to XXXX employee id XXXX at XXXX XXXX XXXX XXXX and she informed me to have the credit reporting agencies remove this account as she can not find me in their system as it has been approximately 7 years. 

The customer service rep, who wrote letter has no info and incorrectly is trying to report this as a charge off, he even gave me incorrect contact number to reach him. 

XXXX. 
Sincerely, XXXX XXXX XXXX XXXX Customer Service

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