vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reinserted an XXXX # XXXX account that was Deleted and XXXX XXXX acknowledge the account was Deleted as that information is listed other compliant. 

They have never provided Assignment of Debt, Method of Verification, and Validation of debt. I never received any mail about this debt and just because they stated they sent mail does not support their statement, please provide CERTIFIED MAIL RECEIPT showing I received mail, or delete off my account. 

I have a right to dispute an account before it's placed 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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX. The accounts are errors and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
Collection company has never contacted me, but has recorded a collection account on my credit report as of XX/XX/2020. My wife indicates she paid this bill and I would like the account removed from all credit reporting agencies that they do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Letters were sent to XXXX, Transunion, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information 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 2020-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Letters were sent to Equifax, XXXX, and XXXX  regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO 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 2020-12-22 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: CA

Complaint narrative:
All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my XXXX  File Number : is XXXX im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my XXXX  File Number : is XXXX im a victim of identity theft

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 2020-12-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed in a dispute letter to Experian and XXXX regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. Experian and XXXX  both received my dispute letters because I sent the letters certified with receipt tracking and Experian received my letter on XX/XX/XXXX and XXXX  received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is XXXX  I have been disputing the validity of this debt since XXXX and Experian has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Over XXXX worth of unrefunded fraud by XXXX XXXX since XXXX, XXXX XXXX XXXX dollar toll to 2 accounts closure of both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
The mortgage was paid off XX/XX/20 and they have refused to return my escrow account money ( {$7000.00} ). I have repeatedly called and have been stalled and mislead. First they said they had already paid the county ( ~ 2 months early ), my new mortgage lender confirmed that the county had not received payment form the NewRez LLC / dba Shellpoint Mortgage Servicing or their agent. On XX/XX/20 I spoke with XXXX XXXX in the XXXX SC office and she told me I would have the money by XX/XX/20 -- I did not receive it. On XX/XX/20 I spoke with XXXX XXXX and she assured me they would have the balance transformed by ACH, on XX/XX/20 I spoke with XXXX XXXX and she told me that, in fact, the money was not sent through ACH rather, a check had been sent out on XX/XX/20. On XX/XX/20 I spoke with XXXX XXXX ( who said she is not in an office, she is " just a customer service rep '' ) and she told me she was going to void the check and promised me the money would be in my account XX/XX/20. On XX/XX/20 the money had not arrived so I called again and first spoke to " XXXX '' in Michigan and then was transferred to XXXX XXXX in XXXX who told me the money was supposed to be in my account but refused to do a wire transfer. I then sent notes to : XXXX XXXX, President at Shellpoint Mortgage Servicing XXXX XXXX, Executive Vice President at Shellpoint Mortgage Servicing XXXX XXXX, General Counsel at NewRez LLC XXXX XXXX, Senior Vice President Shellpoint Mortgage Servicing Informing them of the situation and sharing that my only recourse is to file a complaint with the CFPB. I have not received any response from any of them. My understanding is that they are obligated to return escrow payments and treatment of escrow account balances in a timely manner under 1024.17 ( k ). It appears that they do not feel a need to abide by this and instead kept the money well past the 20 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I deposited a check I had from XXXX and from XXXX that seemed like valid checks. XXXX XXXX linked to XXXX said the bank Huntington did not want me to have a bank account with them- she said " they do not want a relationship with you ''. XXXX XXXX 5000 persons from XXXX in the XXXX XXXX against XXXX. I would like my account reopened with the {$300.00} dollars in excessive fees that Huntington charged me refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: OH

Complaint narrative:
I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED 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 2020-12-22 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: OH

Complaint narrative:
I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Comnwlth Fin added a derogatory mark on my credit report per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA Comnwlth Fin has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: OH

Complaint narrative:
I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED 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 2020-12-22 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Called to get payment assistance on my Personal Loan. After speaking over an hour with the financial counselor and going over options, the counselor closed my credit card account without my permission. I mentioned to the counselor over and over again that closing my credit account was not an option because i was currently closing on a home and my Credit Card was the old and highest credit line. This change was immediately report to all 3 credit bureaus thus tanking my credit score and debt to ratio. Navy Federal said theyll send me a letter that I never received and also said the issue could not be fixed ( reported to credit agencies ) no sooner than 30-45 days. This in turn has cause me hardships as my credit score fell below the eligible score and losing earnest money. NFCU stated that they couldnt do anything about the loss of earnest money nor the house even after suggesting keeping the reduced interest rates for the personal loan and credit card to make up for the loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I accidently made an over payment to my Capital One Master Card ( CP1 ) in the amount of {$2400.00}, resulting in a positive over balance of nearly {$1900.00} to my account. This accidental over payment caused me to be over drawn in my checking. I asked on XX/XX/2020 CP1 supervisor XXXX  to return my payment and asked if could be done electronically for speed as opposed to their offer of returning the payment by check via USPS. Supervisor XXXX said yes they could but the processing of the payment had to be completed so to call tomorrow ( she also documented the account ). I called on XX/XX/2020 and talked with CP1 supervisor XXXX. We told her this over payment was an accident and it has caused a large over draft and to please quickly and electronically refund the payment of {$2400.00}. Supervisor XXXX refused stating that they can only return the credit balance of {$1900.00} ( vice the payment of {$2400.00} ) and that it had to be by check sent USPS taking 7 to 10+ business days. Supervisor XXXX decision differed from the supervisor the day before and it is injurious to me as I shared I needed the funds back soon as possible because I am on a budget and my checking was over drawn. Instead, Capital One policies allow them to bank my over payment monies for some 10-15+ business days ( half a month ) awaiting the check to arrive via mail and of course the time it takes to clear and process the check. There is no logical or valid reason not to electronically transfer the funds back quickly as I had requested. Supervisor XXXX said they would only do electronic if it is their error. Their biased policy is not only slow and customer unfriendly it allows CP1 to bank my over payment and earn their own interest to my demise. Request CP1 electronically transfer the funds ASAP back to my checking ASAP and notify me of same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
We were notified that our loan of {$340000.00} was sold to XXXX XXXX  and the servicing was being transferred from Dovenmuehle Mortgage to XXXX XXXX XXXX  at the end of XXXX. At the time, we had already arranged an electronic transfer of {$1500.00} from my husband 's XXXX XXXX account to Dovenmuehle for the XXXX mortgage payment of {$1400.00} plus {$89.00} addition to be added to the principal. I called Dovenmuehle in late XXXX to cancel the transfer and I attempted to cancel the transfer myself on their websites. Both were unsuccessful. I was told by the customer service rep at Dovenmuehle that our transfer would either not go through or if it did, it would be transferred over to XXXX XXXX. Our transfer did go through on XX/XX/2020 to Dovenmuehle. Since that time, our loan for the full amount of {$340000.00} was transferred to XXXX XXXX, however, our XX/XX/2020 payment of {$1500.00} was not transferred or refunded to us and is not reflected in the balance that was transferred to XXXX XXXX. I called both XXXX XXXX which has no record of a transfer from Dovenmuehle, and Dovenmuehle was told various excuses on my several calls to Dovenmuehle including this last time on XX/XX/2020 with my attorney on the phone speaking to a supervisor at Dovenmuehle named XXXX. We were told Dovenmuehle needed to find a tracking number for the transfer to XXXX XXXX. We wer told the Dovenmuehle had the money on a suspence account. We were told they never received the money until I provided them with a copy of the bank statement showing the transfer at which point they said they never received the statement. We expected to hear something back by yesterday XX/XX/2020. No response. No tracking number for our money. No explanation for where our money is. We had to make an additional payment to XXXX XXXX to keep from having a late fee applied to our mortgage payment and we are still missing our money. We either need to get a full refund or have the money transferred and applied to our loan at XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from XXXX XXXX, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from Td Bank XXXXtarget C. I disputed the XXXX  inquiry, however XXXX  is requesting I send documentation from FTCXXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: OH

Complaint narrative:
My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also XXXX  is reporting 11 late payments but Transunion and XXXX are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes

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 2020-12-22 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: OH

Complaint narrative:
My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also XXXX  is reporting 11 late payments but XXXX  and Equifax are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes

Company response to consumer: Closed with explanation