vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please see the attached information as I am disputing the inaccuracies as seen on all three reports.

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX of XXXX an aggressive and violent tenant, one whom has made multiple physical threats unprovoked and constantly had a man with a known violent criminal record stay with her committed assault and battery against me. The police were called, I had open wounds on my face from where I was clawed and recommended to go to the hospital. I wrote the apartment, XXXX XXXX, a letter and presented proof of the violent assault that took place. As over half a dozen noise complaints had been filed, police have shown up to their residence for unknown reasons, often needing to knock the door down, the threat was forseable. XXXX XXXX violated the terms of our lease agreement and not only failed to provide a quiet and safe environment, but acted negligently in allowing the situation to escalate despite ours and others warnings. Office manager XXXX XXXX agreed. I moved out completely on XX/XX/XXXX and was asked to pay for both XXXX and XXXX rent amounts. As the contract was legally void I offered to not sue for negligence and pay a pro rated amount until XX/XX/XXXX. The keys had been returned to them on XX/XX/XXXX when the incident was reported. I am XXXX and did not leave my apartment unless absolutely necessary. 

I have not heard a single thing, received for any mail or email or evening phone call since. As of XX/XX/XXXX there is a {$1200.00} collection on my 3 credit reports from FAIR COLLECTIONS & OUT with the only information provided being the name and the amount listed as derogatory. 

With absolutely nothing to go on I disputed with the three credit report agencies and they directed me to file a report with the FTC. I have done all that I was asked to, sent a letter on XX/XX/XXXX to the debt collector that was generated by the FTC. By this time I had found an address after XXXX the information. No email or phone number were provided to me to this day. 

They have not reached back out to me, but they have responded to the disputes I filed with the reporting agencies regarding their accuracy and requesting information be sent to me at my provided home address. 

They added an account number and date of first delinquency : XXXX ; XX/XX/XXXX. 

The letter is very detailed and in each dispute I made with all three credit reporting agencies I made it clear I have never been notified of any past due amount, sent a bill, or contacted about this. 

XXXX XXXX employees have been a nightmare to deal with when I did live there. After my last contact with them I do not want further contact, and will have to sue for Negligence and fraud by early XXXX if no one will actually verify they contacted me, or made any attempt to contact me as if they had I would have responded before this became a legal issue I cant afford with this epidemic living in 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 2020-05-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Champion Mortgage is listed as a predatory mortgage co. Not my words but true. My XXXX property taxes were mailed to the wrong address by my living will, living trust attorney, therefore I did not receive the property taxes. Champion Mortgage contacted me and my daughter threatening foreclosure. I called them and made arrangement for payments. I made the payments and have records that they received these payments. They have been harassing and threatening me and my daughter ever since. XXXX. XXXX   allows the taxes to be paid in three payments, Champion does not. I had this happen on a rental property as well. They were wrong and it was rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
Today I received an alert from my credit monitoring service that this company has placed a collection item on my report. I have received notification from this company

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 2020-05-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Please see the attached information as I am disputing the inaccuracies as seen on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please see the attached information as I am disputing the inaccuracies as seen on all three reports.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and TransUnion my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and Transunion are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
Good Evening I purchased a prepaid card from a XXXX XXXX. The card was {$2.00} and you had to load money on the card so I added {$15.00} on it. I get home to register the card as it said but it wouldn ; t allow me so I left it alone until the next day. So, something said check my email well netspend sent a message saying my card was registered so I go back on line and it was telling me to set up a password to the account because they already had my email address so I did that, then I was able to get into my account. So I checked my balance for the {$15.00} and it said XXXX so I called net spend and the representative told me that I wasn't approved to use their card services I asked why and he could tell me the reason so I was irritated because if I had of know these people was gon na run my credit I would have never purchased the card. These people are running your credit for a prepaid card and it never said that on the outside of the card I feel like I was scammed and these people are selling this card to get your personal information. Is this legal?

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I received a letter about a card for my unemployment during the month of XXXX. When I didnt receive the card, I called an spoke to a rep who said that he was putting a replacement card in the mail on that night ( XX/XX/2020 ). I still have not received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I just learned from my healthcare employer that I will be furloughed. Same day, I called my service provider, United Wholesale Mortgage, to learn what my options would be should i need to request a forbearance. My loan if backed my XXXX XXXX. UWM told me that XXXX XXXX offers no provision under The Cares Act to tack on any payment missed while in forbearance due to the pandemic ( UWM operator # XXXX ). They said there were no guidelines that allowed them to do that. I then asked for the guidelines. The operator could not provide any information and had nothing to offer clarity, except that what they were told was that tacking forbearance payments onto the end of the loan was not an option. But I looked at the provisions allowed by XXXX XXXX and a tack-on to end of loan is allowable. I explained that to the operator to no avail. The operator then told me that if I elected forbearance, all would be due at end, that I would be delinquent if not paid upfront, and an option was a payment plan ( up to 6 months ) that would run parallel to mortgage payments once I was able to resume. Another option, she said was to request a loan modification and then she told me that the interest rate could be higher, terms longer -- up to 35 years.. This last bit sounded like a huge amount of extra money for the service provider based on a limited # of missed payments. I would like my mortgage servicer to clearly outline the options for those requesting forbearance due to coronavirus layoffs/furloughs, as I believe the XXXX XXXX option is either not known to them, or they are willfully disregarding it. Either way, the options provided by the service provider will cause people to lose their homes with no way to make-up huge lump sump payment. This was not the intent of The Cares Act. Please help them understand the options. I work for XXXX XXXX XXXX in XXXX, WA. We are considered a hot spot and the epicenter of the breakout in Washington state. I am shocked to have to face a furlough but more terrified to think I could go delinquent on my mortgage ( only 8 months into it!! ) and lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.

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 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Around three months ago I attempted to trade a vehicle. I backed out of this transaction, but not before the dealer paid off the loan. The account was closed for approximately three months, before being re-opened without any notification to myself. I had initiated this process, and was advised that I would be told when the account was returned to a normal state. Ever since I have been fighting the finance company to remove late fees and correct the balance so I can accurately settle the account. The information I give them never goes beyond the customer service rep I speak to, and written communications in their portal go for long periods without reply, and when they do finally reply there is again no action being taken. I don't know what else to do besides submit an official complaint, as my attempts to correct this with the company have gone nowhere for two months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC
State: NY

Complaint narrative:
On XX/XX/2020 I applied for a mortgage through Keller mortgage located at XXXX, OH. 
As with applying for any loan, I submitted all legal and confidential information. I immediately made plans and flew to Florida to locate the home that is right for me. I found a home and my realtor made an offer on same with the said pre-approval. I have a copy of my pre-approval from Keller Mortgage. The sellers approved my offer and I Immediately applied for the mortgage to purchase said home. I was then advised on XX/XX/XXXX by XXXX XXXX of Keller mortgage that I have been denied the mortgage. I was confused as I had received a pre-approval previously through the same company! 
Upon trying to understand why and how this could happen I was not provided with any reason. No professional reasoning for same. I was very confused and disheartened as I had provided this company all my private information, had paid to fly to Florida with this pre-approval in hand and wasted much time to be denied without reason. Mr. XXXX has been of no assistance at all to say the least. He has been unprofessional and not supplying ample reasoning for the denial. I met every criteria for this approval and now have to start all over after all this time to apply for another mortgage. I am confidant it is through no fault of my own for this denial. The house I was purchasing was less then what I applied for with the pre-approved mortgage, I meet the income criteria for same as well as hold an excellent credit score. XXXX XXXX has ruined my buying experience for my very first home in Florida. I did some research after this traumatizing order and I can see Keller Mortgage has many negative reviews that have suffered through same. As a XXXX XXXX for over 20 years, none of this made any sense to me or other mortgage instistutions I have consulted. While this has been a trying time for me with the unnecessary waste of time and money as well as lack of professionalism on Keller Mortgage and XXXX XXXX, I am extremely concerned and uncomfortable since this unprofessional company and unethical mortgage banker has all my confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My credit card statement included a {$1500.00} bill for XXXX on XX/XX/XXXX. I didn't open the bill when it came because I hadn't used the card and knew I wouldn't have a balance. I returned from vacation and a hospital stay in XX/XX/XXXX, at which time I opened the bill to see charges that I didn't authorize. I contacted Bank of America. Bank of America said they would investigate. I was contacted a few weeks later by them informing me that the claim was denied because they said the purchase came from my device. I requested the IP address, and was told it would take a few weeks, but after not hearing from them, I contacted Bank of America again, and was informed that I would need a subpoena. I also requested information on the investigation but Bank of America refused to provide information. My credit card number was changed during the investigation as a result of attempted fraudulent activity. I contacted XXXX, who was initially unable to find the charges at all, but eventually was able to find the charges, and said it was on an email that does not belong to me. I did not authorize these charges. XXXX refused to give me the email that was connected to the account, but later stated that they have not received any money as a result of these charges. I have contacted Bank of America and XXXX to no avail. I filed a police report 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 monetary relief
Consumer complaint received 2020-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my capital one card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both capital one cards with the amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with Equifax, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet Equifax and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see attached. This account is past the statue of limitations to collect on this 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