vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 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: TX

Complaint narrative:
I have contacted the Credit Bureau several time to solve this problem. I have been contacted by XXXX XXXX XXXX XXXX XXXX about a debt that is in collection. I have disputed this item. I was contacted by another agency stated that they have this item in collection. I am not sure how two collection company for an item that I have no knowledge of can be inserted on my credit report. TransUnion claimed that they verified the item which is untrue.

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 2020-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I acquired a FHA loan in XX/XX/XXXX for which The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT acquired the loan and began servicing it. No issue with payments until XX/XX/XXXX for which one of my online payments was returned NSF for which I immediately resent until determining issue. This occurred again on XX/XX/XXXX for which payment was resubmitted on XX/XX/XXXX.  Issues with payment were due to scheduled payments and direct deposit payroll occurred on same day and bank returned my payments. I was restricted by the The Money Source for six months from making online payments for which I contacted them and was given a bank account in Texas to wire my payments. This was done monthly from XX/XX/XXXX until XX/XX/XXXX. On average it has taken TMS around 20 days to locate my payments. In the course of the period, I was called daily numerous times about payment delinquent at which times I emailed copies of ACH/wire transfer confirmations from my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX and was finally located and posted to my account on XX/XX/XXXX. I was called 117 times from TMS from XX/XX/XXXX until XX/XX/XXXX when the payment was finally found. Not only did they call me from XXXX, my caller id displayed call from County Jail (  XXXX ), The Money Store ( XXXX ) and 5 different local numbers from my area code that they were spoofing to get me to answer. I answered one of the calls and the agent told me that is was often then spoofed numbers so that consumers would answer phone. Not only were there excessive phone calls they would call numerous times in a row. Example on XX/XX/XXXX they called 7 times in a row at XXXX. I was at work but at XXXX I returned the call. Once again on XX/XX/XXXX I received 6 calls in a row at XXXX and 16 calls in a row at XXXX. On XX/XX/XXXX received 13 calls in a row at XXXX. On XX/XX/XXXX at XXXX TMS called 10 times in a tow. I returned the call at XXXX. Finally payment was located on XX/XX/XXXX and applied to my account. The entire time I was communicating with TMS and provided the same proof payment. During this period of time I was accused of not making payment, stating that funds were still in my personal account and recieved certified letter that I was 30 days delinquent and that by the end of XX/XX/XXXX my home would be reappraised and inspected. I am in awe that FHA loan servicing provider can use such antics. I feel as if there collection efforts were inexcessive and unnessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bmo harris bank is applying my payments to recocery fees instead of the principal balance. This is reflecting my payment as late.

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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I paid a debt that was not verified. I just needed be removed from my credit. I never received a letter from Procollect showing a breakdown of the charges. The apartment community was under new management Each time I called and tried to express the reason why the debt was invalid, the representative stated that they would update my report with a refusal to pay. This was incorrect. I have documents noting the apartment was experiencing heating issues. 

Now that I have paid they have refuesed to deleted the debt as promised. Their responses are always different 1 ) We have reported it to the credit Bureaus, contact them for their timeline 2 ) I must wait 90 days for the debt to be removed from my credit. This is unreasonable. If you are instantly able to report a refusal to pay, you should be able to remove the debt in a more timely fashion Additionally, I have contacted the Credit Bureaus, they have repeatedly stated that you have not responded to their dispute letter. I believe your tactics are not in accordance with the Fair Credit Reporting practices

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 2020-01-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Hello, I have been paying a law firm ( D Scott Carruthers ) out of XXXXXXXX CA that told me they were collecting my debt on behalf of the department of education for the past 4 years.  Ive paid them {$300.00} a month, totaling thousands of dollars just to find out they are a fraud, and now the department of education is trying to garnish my wages from work and when I confronted the law firm to send me a breakdown of all of my past payments the representative I usually deal with got very aggressive and mean and told me Im tired of your case anyways XXXX and hung up on me. I know they are fraudulent because I communicated with the department of education and they confirmed the law firm has no association with them. They have been terrible to me, they have threatened me when I dont pay, theyve threatened my family, called my job and embarrassed me. Its been a horrible experience. Please help me make sure this doesnt happen to anyone else and hopefully I can work toward getting my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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 refer to the above XXXX  credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX  XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active California IEHP MediCal ( MC ) Insurance Coverage. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XX/XX/XXXX and XX/XX/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 2020-01-20 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:
I refer to the above XXXX credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX  Insurance Coverage. XXXX XXXX XXXX. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and 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 2020-01-20 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: TX

Complaint narrative:
These are not my accounts, please remove them.

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 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
This is an old insurance deductible amount which was already paid. XXXX XXXX sold to three different collection agencies. XXXX XXXX XXXX, XXXX XXXX XXXX and now M Leonard & Associates. Under CCPA i will file a complaint for XXXX XXXX for sharing my private information while their debt has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: TX

Complaint narrative:
These are not my accounts, please remove them.

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 2020-01-20 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: TX

Complaint narrative:
These are not my accounts, please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: DISCOVER BANK
State: FL

Complaint narrative:
FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).  Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX  has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO XXXX  OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: FL

Complaint narrative:
FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXXXXXX first investigation and subsequent reinvestigation, XXXX stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX   has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL  OBLIGATIONS TO XXXX OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The bankruptcy listed needs to be removed, along with the one account listed.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I closed my account with Citi card in 2017 by telephone. The account was not closed and the only charge after the date when I closed the account was an annual fee ( {$60.00} ) from XXXX. I was then charged {$210.00} in late fees and {$11.00} in interest. I did not receive any statements from the bank after I closed the account. It was sent to a debt collector and I could not receive any help with statements or resolving the problem. I paid the debt collector and reported the program to the Office of the President at Citibank. They denied me repayment of these fees because they could not find proof of the account being closed. ( It was closed over the telephone. ) I explained that I had no late payments and no other charges which substantiated my claim that I had closed the account and was not aware of the late charges accruing until I received notice from the debt collector. I understand this is becoming a new area of consumer fraud perpetrated by the banks. I believe that Citi should reimburse me for fees incurred after the account was closed.

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 monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The bankruptcy listed needs to be removed, along with the one account listed.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: TX

Complaint narrative:
On XX/XX/19 My credit was run twice, once through VW Credit ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called VW Credit and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase at Home Depot for {$27.00} and paid this bill in full with a check for the full amount dated XX/XX/19. They did not receive the payment until XX/XX/XXXX ( they allege it was due on XX/XX/XXXX ) and charged me two fees one on XX/XX/XXXX for {$29.00} and then they charged another fee on XX/XX/XXXX for {$31.00}. I called and spoke to an automated system which " waived the fee '' and this never happened. XXXX # XXXX was a " supervisor '' who admitted that their fees were atrocious and she literally did nothing to help me. There is no rhyme or reason when it comes to the fees assessed. I didn't even receive this bill until XX/XX/XXXX because of the holiday and they did not care. They forced me to pay the fees and I find this to be criminal. This is the worst customer service I have ever dealt with in my 64 years doing business in America. Supervisor XXXX # XXXX even admitted that she has waived fees in the past and refused to help me in any way. I closed my card after being bullied, badgered and disrespected into paying this absurd and overtly aggressive late charges.

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 monetary relief
Consumer complaint received 2020-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020 I spoke with Capital One employee XXXX, employment XXXX regarding Capital One Bank using the incorrect code and not accepting document under MasterCard Charge back Guide concerning multiple transactions with XXXX card under MasterCard Charge back code XXXX. 

Capital One Bank are refusing to submit my email to XXXX as supportive documents to Master Card under the attach guide which is attached see page 98-100. 

The transaction done by XXXX are fraudulent transaction under MasterCard Charge back Guide line.

Company response to consumer: Closed with explanation