vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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 information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.

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 2019-06-19 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: National Credit Systems,Inc.
State: MO

Complaint narrative:
I want to say i have live in the apartment XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XXXX XXXX. i reach out to XXXX/XXXX/XXXX plus natinal credit. 2 creditor have removed and XXXX is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to national credit ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was killed outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2019 Syncb/Walmart National Credit Cards/ Airline put in a inquiry on my credit report. I have not applied for any credit cards or airline credit cards at all and I would like this off of my credit report. I have worked very hard to fix my credit score and this is not helping it. I have not giving my information or  permission for such credit to be ran by this company and they said there is nothing they can do about 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 non-monetary relief
Consumer complaint received 2019-06-19 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: PA

Complaint narrative:
On XX/XX/2019 I send a letter to both the credit Bureau and USBK COURT, I requested validation of negative information that was reported by USBK COURT in my credit file, I received a letter from the court that said the court does not report to credit agency, I also contacted XXXX and a freeze was placed on my credit file, I submitted both documents to TransUnion for validation, I receive a letter declaring the information being report was correct and accurate after their investigation was completed. 

In response to their claim that USBK COURT verified the account as accurate, on XX/XX/2019, I requested copies of any documents provided and description of the procedure used to determine the accuracy and completeness of the information. 

On XX/XX/2019, I received reinvestigation results from Transunion that Verified As Accurate. this listed item is entirely inaccurate and incomplete.

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 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I paid out the XXXX XXXX XXXX XXXX credit card by XXXX XXXX and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
XXXX XXXX.XXXX  - NEW YORK {$260.00} I returned {$170.00} worth of clothing from this purchase on XX/XX/19 to a XXXX XXXX XXXX store in Vermont. The refund was not processed correctly and I did not see the refund posted to my AMEX account. 

After waiting over 5 days for the merchant to refund my money, I filed a dispute with AMEX, provided a copy of the refund receipt, but have not received a temporary credit on my account for the disputed amount while the dispute is being investigated. I'm being held responsible for the full charge while the dispute is being investigated - which I was told could be up to a month, even though I provided written evidence of the receipt for the refund. 

AMEX told me that they will not issue a temporary credit on my account until next month. This is not a permanent refund amount, this is a temporary credit they would issue while they look into the dispute. 

I've gone round and round with AMEX and they still insist on jerking me around - like they have several times in the past few months. STOP TREATING YOUR CUSTOMERS LIKE XXXX! 

I provided the refund receipt - issue me a refund like I deserve!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.

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 2019-06-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to complete my final payment for rent and services while living at one of their apartments XXXX XXXX. The payment was completed and I understood I owed {$0.00} to the company. 

On XX/XX/XXXX XXXX XXXX XXXX charged me {$490.00} for closing fees on an apartment I was renting. 16 days later ( XX/XX/XXXX ) they wrote off the {$490.00} without attempting to contact me to settle the payment. 

Since XX/XX/XXXX I have not received any attempt or notice that I needed to pay any money for any type of closing fees until XX/XX/XXXX which I received a letter from a Hunter Warfield who is now attempting to collect this {$490.00}. 

My issue is I was charged {$490.00} on XX/XX/XXXX, on XX/XX/XXXX the debt was written off without a single attempt to contact me. Then nearly two years goes by and now Hunter Warfield is contacting me saying I owe money. 

I would also like to note that I spoke with an associate of XXXX XXXX XXXX who told me in XX/XX/XXXX the were having issues with their system. 

I am very confused how a company can charge me hundreds of dollars, write off a charge in 16 days, wait nearly two year never contacting me, and then give my debt to an outside debt collection agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: OH

Complaint narrative:
Company provided documentation but is not my signature. Company acknowledged thats not my signature. Company still is reporting to credit bureaus with fraudulent information thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I paid out the XXXX XXXX  XXXX XXXX credit card by Comenity Bank and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a loan modification. I also was given a consumer protection attorney in my area. The modified amount was {$88000.00}. In XX/XX/XXXX, {$70000.00} of this loan became a debt cancellation but was later renewed as a new loan. Under this premise, a balance of about {$18000.00} was due and owing on the loan. 
The cancellation placed the fair market value of the home at {$74000.00}. Ex. " A '' On XX/XX/XXXX, the loan servicer sent the attorney a payoff statement where it indicated the principal balance was {$88.00}, XXXX plus {$610.00} in interest, plus escrow of {$280.00} and court fees of {$530.00} for a total of {$89.00}, XXXX. Monthly payments of {$610.00} per month plus interest of 3.75 %. 

1. The servicer alleges that the interest amount and the monthly payments are identical. 
2. Page 2 gives the interest breakdown for XX/XX/XXXX through XX/XX/XXXX. Per diem being approximately {$9.00} per day justifies a {$270.00} interest payment for XX/XX/XXXX and XX/XX/XXXX and the remainder of {$64.00} due for XX/XX/XXXX, which is an indication that every third month, the interest should be {$64.00} {$270.00} is 44 % of {$610.00} ; {$64.00} is 14 % of {$610.00} and 3.75 % of {$610.00} is {$23.00}. What is the understanding of the interest? Is the interest on the monthly payment or the loan balance. Even if its on the balance, the servicer alleges that {$610.00} is to be divided by 3 months with the third month substantially less than the first two. 
The second issue is : a total amount of interest is always included in most loans even when the percentage of interest is calculated. 
Here it's not. 

The consumer protection attorney who provided the documents that I'm providing you, filed a complaint in federal court and then dismissed the complaint alleging that no issues existed. He accepted a {$5000.00} settlement that he did not explain what it was for with me receiving a final payment of {$1000.00} ; I disagree and filed this complaint. 

Fraud is an issue here. In XX/XX/XXXX, the servicer states a balance of {$89.00}, XXXX. Each month, from XX/XX/XXXX til XX/XX/XXXX I paid {$650.00} mortgage payment. {$650.00} x 12= {$7800.00}. {$89.00}, XXXX, XXXX= {$81000.00}. XX/XX/XXXX til XX/XX/XXXX, I paid {$650.00} x 8= {$5200.00}. {$81.00}, XXXXXXXX= {$76000.00}. 

On XX/XX/XXXX, PHH Mortgage Services notified me that the servicer has joined with that company. It also advised me that the balance on the account stands at {$86.00}, XXXX. This means that a grand total of {$3200.00} has been applied out of 24 payments.

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 2019-06-19 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 XXXX XXXX Opened account for XXXX for XXXX Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated XXXX is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by XXXX XXXX XXXX XXXX that is account would be removed from all three credit reports. Please have all three credit bureaus remove this account from my credit reoport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclay Bank has reported this twice to my credit file removed it only. to add it back for the amount of 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 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Back in XXXX of XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XXXX of XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX. 

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.

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 2019-06-19 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: PA

Complaint narrative:
Back in XX/XX/XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XX/XX/XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX.

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.

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 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education
State: NY

Complaint narrative:
Last fall ( around XX/XX/2018 ) I was renewing my IDR repayment plan with XXXX servicer and requested that they send me via mail, a hard-copy of all qualifying payments for my own records. It has now been more than 6 months and I have yet to receive this in the mail. I also spoke with them today to follow up and they apologized for not getting me these records and that they would have to put in a new request into their system. Unfortunately, their website is pretty basic and there is no way for me to run a query to display my qualifying payments. Any bank or credit card company needs to be able to get their customers this information so there is no reason by a student loan servicer should not be any different. 

I also wish to note that nowhere on there website do they state the type of repayment I am in. As someone who is on a student loan forgiveness track this is incredibly important information to see. Also none of their IDR repayment forms display this information which is also incredibly misleading and hurtful to customers wishing to confirm their repayment or gather documentation towards forgiveness for a particular repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
See complaint attached. AMEX told me that I had to call and speak to The XXXX in order to have my APR/Interest rate lowered. I endured having to speak to that thing in mid-XXXX to late XXXX, after numerous attempts trying to get ahold of her for or her back up via phone for over a week. When we finally spoke on the phone, she talked over me and wouldn't let me get a word in. However, she did say she would apply the lower APR/interest rate to my account. She did not apply the lower interest rate to my account - which she claimed she would if I called and wasted my life talking to her via phone. This is contrary to what AMEX represented in their answer to my previous CFPB complaint. 
When I checked my account today, my APR/Interest rate was still over 24 %, and not the lower APR of 14 % I was promised if I called. 

I'm not calling again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Collect Agency Common Wealth continue file inaccurate information on credit report.

Company response to consumer: Closed with explanation