vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Coach llc continues to harass me 10 years after debt. They try to garnish my wages even though I am on food stamps and SSI. 
They are attempting to charge me fines that double the original debt amount, 10 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I do not wish to receive offers of a line of credit from OneMain Financial. I have requested to opt out via XXXX XXXX XXXX and through credit reporting agencies. I continue to receive this unwanted mail. 

This is like registering with DoNotCall and continuing to receive telemarketing phone calls. 

Offers of credit continue to be sent by : OneMain Financial XXXX. XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/19, I sent an online inquiry to TexasLending.com to check the rates for a cash out refinance of my home mortgage. After speaking with an agent, I was told they would only do a " soft pull '' and it would not affect my credit. After going over the rates the agent helping me and I agreed that they could not give me a rate and loan better than what I currently had. Then a few days later I received loan docs from them and got a phone call to remind me to complete the docs in a timely manner. I told them I was not getting a loan through them and that they needed to contact the credit reporting bureau to remove the inquiry from my Credit. They agreed and as of XX/XX/19 they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on experian 's website! 

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on experians website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due 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 explanation
Consumer complaint received 2019-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Good Afternoon, I was a victim of Transunion inquiry Issue. Reached out to their Customer Service at XXXX and spoke an agent. Transunion 's customer service was not able to handle or resolve this issue. 

TRANS UNION XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was filed on XX/XX/XXXX and closed on XX/XX/XXXX > Complaint Number XXXX-XXXX.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with Wachovia > In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with Wachovia '' They found the XXXX Wachovia home equity account XXXX which was rebooked with a new loan number XXXX and paid in full plus the lien release recorded on XXXX XXXX ... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under Wachovia Bank Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with Wachovia Bank And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was {$26000.00} a year BUT my gross yearly Income for XXXX was {$25000.00}!!! >SEE.PDF File Attached>I NEVER had a Checking and/or Savings Account with Wachovia Bank ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The Account Number # XXXX in which the back of the copies of the endorsed processed checks show & Prove!! <SEE .PDF FILES Attached> I was ONLY a Power of Attorney ( POA ) with Wachovia ! POINT B ) Home Equity portion sold to XXXX XXXX XXXX >> In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX  ( MERS/XXXX XXXX   XXXX XXXX XXXX ( XXXX ) with a {$44000.00} loan Well here is the Evidence/Documentation > SEE .PDF FILE Attached> And POINT C ) > They did NOT show me a copy of the Original Wachovia Bank Loan Document that would show my signature as Power of Attorney IS underneath my fathers signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the Wachovia Bank Loan Note> Here is PROOF of Forgery > SEE .PDF FILE Attached> That is just a sample.If necessary I CAN show other examples of this forgery!!

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 2019-10-28 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:
On XX/XX/XXXX a collection agency called XXXX  # XXXX called me at least 5 times a day regarding a {$160.00} charge from XXXX. I went to the XXXX office in XXXX XXXX XXXX Florida Back in XXXX when the charge first showed on my bill. We had paid for an International calling package for the XXXX. Their advertised free talk text and data. This charge is for roaming which should have been included. The XXXX XXXX XXXX office said DO NO PAY. Then it gets sent to a collection agency who will not listen and will not investigate. I do not owe this bill. TransUnion is taking the word of a disreputable collection agency, not the company who charged me the bill. Look at my credit. I have ALWAYS paid my bills for 40 years+ on time. I will not pay a bill no matter how small that is not owed by me. The amount of the charge is now an amazing {$280.00}. There is no talking to this collection agency and XXXX won't do anything now because it was mistakenly sent to collection.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Ar resources Inc Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on XXXX XXXX website!

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on XXXX  website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
I have received ( and continue to receive ) automated calls, roughly twice per month from CMRE Financial Services. CMRE is attempting to collect debt from someone who is not me, a friend, relative, or anyone I have ever heard of. I have called CMRE 3 separate times to inform them that they have the wrong number and to please stop calling me. They have not done this and continue to call me ( most recently today XX/XX/19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
citibank has conintinued to harass me at my work and through letters in mail of a card that was opened under theft identity fraud that i have filed with the police in nys. 
i did not know of this card or charges. they continue to harass me under this assumption that they mailed the card it is my debt to an address, where i was renting the house out to someone that did indeed use my identity and open several accounts and i have given the suspects name to ftc and police and the creditors. they have not supplied any documentation to show i signed for the card or authorized anything as i did not know about this 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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account XXXX with Midland Funding was paid as  agreed with the original creditor XXXX XXXX XXXX but was still sold to Midland Funding without notice to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I was living at XXXX XXXX XXXX XXXX on a one year lease that was supposed to end in XX/XX/XXXX. I informed them on XX/XX/XXXX that I would be needing to move out as of XX/XX/XXXX due to personal issues, HOWEVER, there had also been some major issues with maintenance and being blamed for having dog waste that wasnt ours outside of our apartment even though we were picking other peoples dog waste up. We had maintenance issues with our dryer and one of our showers not working that was ongoing from almost the beginning of our lease. I paid my rent until when I moved out and left the apartment in pristine condition. Nothing more was said from the complex after I left. My daughter had even been back a few times to get mail not forwarded and the office said nothing to her ( she was also on the lease ). 
Imagine my surprise when I just checked my credit report and see that I am being reported as owing {$9800.00} since XX/XX/XXXX to XXXX XXXX XXXX being collected by a Hunter Warfield who I will also be reporting as a collection agency should know better than this. Im assuming that they are trying to make me responsible for the remainder of the lease from when I moved out until XXXX. The problem is, XXXX XXXX contacted me by phone and email ( thankfully ) and let me know that a new tenant had moved into the same apartment I had moved out of ( they took tenancy as of XX/XX/XXXX ) and needed me to release services because some reason services were still hooked up in my name. I have thankfully kept that communication to prove that they are trying to collect for the same apartment twice and only within a month of me vacating which I believe is a violation of the Fair Debt Reporting Act as well as other AZ tenant/landlord laws. I am requesting that this ALL be removed from all credit reporting agencies and stop all collection activities due to this violation and the fact that there was harassment over behaviors displayed by neighbors and not by me ( quite the opposite ) as well as maintenance issues ongoing and never corrected after numerous visits.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: FL

Complaint narrative:
I received, absent of any solicitation or notice, XXXX XXXX XXXX debit cards from " Cash App ''. I did not sign up for, request or demand this service. Upon trying to contact the company, I was informed there are three methods to contact them : through their website, which simply explains the other options, a 1-855 number which also merely lays out the other options, and the option to use their app, which I do not have an account with. It is explained on the site and on the automated system that there is no option for live phone support. There is no straight forward option to dispute this situation, and very little information is provided in the mailers I received. I am concerned that someone may have used my identity to request these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
My loan started in XX/XX/XXXX with XXXX XXXX then with LoanCare to XXXX XXXX  I submitted Loan Modification requests and the loan would be transferred. In the course from XX/XX/XXXX to XX/XX/XXXX my loan has been transferred 2 times. Some of the transfers appear to be without the proper notice prior to transfer. 
I am attaching all the documents relating to the servicing of my mortgage and am currently awaiting notification from the current servicer of a loan modification from XXXX XXXX XXXX. 
I have been given no point of contact to call at all from any of the servicers. 
All was well with payments from XX/XX/XXXX until XX/XX/XXXX as explained in the Hardship letter that they requested. 
Additionally, we can't seem to get a clear understanding of the loan balance and large charges added onto the mortgage balance.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
online advertising indicated that I would get over XXXX XXXX Points when I only got XXXX. In talking to XXXX and AMEX they insist the promotion was for XXXX, however, I know I was targeted at XXXX that was the trigger for my application. I've filed a report with AMEX and with XXXX with both saying I received the points appropriately. I believe they are being deceptive in their advertising of displaying XXXX points and didn't display the landing page shown of the different tiers was not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
In XXXX of this year, I closed on a mortgage for my home in Arkansas with XXXX XXXX XXXX. Shortly after the closing the mortgage was sold to AmeriHome Mortgage. I wanted to set the payment up via ACH in XXXX and was directed to their website. I completed the ACH forms and was led to believe that everything was in good order. In XXXX, I received a letter from AmeriHome that the ACH was not processed. I immediately sent in a payment via check for two months. Next, I called in immediately to get the ACH activated. I was not told why the initial ACH did not get processed and they directed me to the website again. Again, the ACH was not processed and I had to send in a check for a two month payment. During this time, AmeriHome reported to the credit bureau 's that I was late on two payments. I called in again to AmeriHome to get some answers and was told that they would submit a request to review my account. Finally, AmeriHome processed the first ACH on XX/XX/2019. I did not receive any explanation of why the ACH was not processed initially. Consequently, I have been charged with numerous late fees and my credit rating has been negatively impacted. I wrote two letters to AmeriHome in  XXXX and XXXX to review my account and report to the credit bureau 's that this was their processing error. Both times, I received a form letter stating that they " determined the information reported was accurate. '' I believe that AmeriHome is not taking responsibility for their processing error and this has negatively impacted my life. Please help.

Company response to consumer: Closed with explanation