vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Ever since TD went to an automated system regarding suspicious transactions, I have had countless, countless times my card has been blocked during overseas travel. Even though I have been in XXXX for 2 years now, they block it about every two months for " suspicious transactions. '' Same ATMs, amounts, dates etc. 

The last 3 months, they have blocked it each month and it's a nightmare to get unblocked. The standards change every time. 

I do not have a US phone number here. Its incredibly expensive to maintain. Sometimes they will send a code to my XXXX phone, sometimes not. 

When you have repeated incidents at this number, for the same problem and they don't fix it, leaving me in a foreign country with no access to funds, they need to be forced to make changes. This obviously is affecting more people than just me. 

It is also, in legal terms, negligence if not XXXX  negligence, breach of good faith etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I put a dispute on a clothing company called XXXX XXXX   XXXX XXXX and Citibank ended up canceling the dispute. They said they sent me a letter for more information on my online account. I asked why didnt I get a letter sent to my home and they said because I agreed to paperless. I dont agree with this because I do not remember opening up the electronic letter about them wanting more information or else I would have sent them more information. 
I spoke with the company and they told me to send the dresses and then they would give me my money back. I spent more money to send the dresses to XXXX and still the company hasnt given me my full refund. They gave me half of the cost on a gift card. I told the company I do not want a gift card because the dresses look nothing like the website pictures. Its a scam. 
I called back citi bank because I havent heard back from the company and they told me they can not open up the dispute again. I couldnt believe it because I finally sent the dress and still I havent gotten my full refund. Citi bank said they are unable to help me. 
I asked them even if this is now a new case since they have their dresses now wouldnt I be able to get my money back through the bank. They said no. 
Especially with Covid I am not working and Id rather get my full refund and not a gift card for a website that sells clothes that are very bad quality. 
I read the reviews from this website and they have so many bad reviews. The owner XXXX shows me that she does not care. Which is frustrating and disappointing.

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 2020-07-10 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
After I got in a car accident, I went to XXXX  to check if I had XXXX  my XXXX. The doctor there was unable to determine if I had XXXX  my XXXX, so I ended up having to go to a different doctor who was actually knowledgeable and competent. In addition to the doctor being incompetent, the front desk receptionist did not process my health insurance ( even though I double checked to make sure she did make a copy of my insurance cards, she ended up not processing it since XXXX is a terrible company with incompetent staff ). Therefore XXXX  processed me like I was uninsured and instead of listening when I called their customer service, they sent the debt collection company, KLS FINANCIAL SERVICES, after me. I worked with my insurance company and XXXX and paid the debt. KLS FINANCIAL SERVICES stopped sending me letters once I paid my debt. However, recently in the past two months, KLS FINANCIAL SERVICES has started calling and texting me. The company refuses to give me any paperwork, yet still calls me. I paid my debt, the debt collection should be marked as closed, and the debt collection company is not sending me any paperwork YET they are still harassing me via phone calls! I filed a dispute with XXXX, hoping that KLS FINANCIAL SERVICES would realize their error yet they are still calling me and refusing to provide any paperwork. In summary, the debt has been paid, KLS FINANCIAL SERVICES has not sent me any paperwork since I paid the debt, but still calls and harasses me. It is disgusting that a mistake by a receptionist a year ago is still causing problems for me today, KLS FINANCIAL SERVICES needs to stop contacting me and mark the collection as closed as the debt has been paid.

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 2020-07-10 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: AR

Complaint narrative:
XXXX  XXXXDispute  XXXX  XXXXXXXXDispute   XXXX  XXXX  XXXX XXXX  XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedUnder Dispute all ftc violations sent over to all companies

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 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent in XXXX payment with extra principal payment, instead of applying all the extra payment to the principal they applied some of it to a future payment that was not due and did not reflect the correct amount left on my mortgage balance, essentially leaving my payment in limbo to be used however Wells Fargo would like to do with the funds.

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 2020-07-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2020-07-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

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 2020-07-10 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

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 2020-07-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
There are two lenders involved in my complaint. I had a HELOC loan with XXXX bank that sold my loan to Shellpoint Mortgage Servicing back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
Hello, I accidentally scheduled a payment for {$1000.00} more than I intended on XX/XX/20, and I wanted to see if that could be applied as multiple payments. Initially I called the FedLoan Service number and was re-routed to the website. 
When I got to the FedLoan site, even though I have a username and password, I wasn't able to login. I tried everything I could, including resetting my password, getting my username re-sent, even going so far as to try and create a new account. The website would NOT let me do anything. I kept getting messages that either my information was wrong or there was already an account created. The website said to contact FedLoans by phone if having trouble with online accounts. 

So, I called the number again, got through to a female agent, but I could not understand her " ID Number '' and name. We talked about my issue for a little bit, and she explained that I don't have an online account. I explained that I was unable to even create an account online. She started saying and repeating that she can't help me with anything online until I have an account. I said, " Yes, I understand, but because I can not even create an account, I need help with that. The website told me to call this number if I needed help. '' Of course, she repeated " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if there was an IT department or a website person I could talk to. She said " No. '' Kept repeating her message ; " Ma'am I see that you do not have an online account, so I can not help you. '' I asked if her supervisor could help me. She said she was not authorized to transfer me to a supervisor. I asked how I was supposed to be able to get online and she repeated the same message to me. Things were getting snarky and condescending, so I asked for her name and her ID number again. 

She literally said " Thank you for calling ma'am '' and HUNG UP ON ME! 

I hope you listen to this phone call because it was unbelievable! 
My phone number is XXX-XXX-XXXX I called between XXXX and XXXX XXXX XXXX on Friday, XX/XX/XXXX. 

Please help with my online account! I will try to call the number again later, but I am at a loss as to why this person was so unhelpful and utterly rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance keeps reporting my accounts wrong. I havent made a payment since XXXX of 2017. But they say i am only 120 days late. My accounts should not be in my current revolving history. They should be in my derogatory closed sccounts. The XXXX  should be removed. Its beyond XXXX yrs.

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 2020-07-10 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I bought a home in XXXX with a XX/XX/XXXX loan with $ XXXX down, gor behind been trying to modify since XXXX now they started a foreclosure process.

Company response to consumer: Closed with explanation