vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018, I once again attempted to complete a Transunion Fraud Alert online and once again was told " We are unable to complete your request. We are unable to confirm your identity with the information provided. '' This has happened every 90 days I have attempted to reup my fraud alert and Transunion has made no attempt to fix my identity information or offer me any instructions to fix my identity information. I am instructed to call into a line operated by a robot and forced to listen to multiple ads and opt out of paid credit monitoring. Transunion continues to waste my time with these ads and will not fix my identity information. I worry that I will accidentally accept the credit monitoring one day even though I have no intentions of ever doing so. I wish Transunion will fix my identity information so I can request the fraud alert online and not have to listen to the ads on the phone requiring me to opt out of Transunion paid services.

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 2018-03-31 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.

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 2018-03-31 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: NM

Complaint narrative:
XXXX  XXXX, XXXX  and Experian  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.

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 2018-03-31 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: LA

Complaint narrative:
I have an account reporting on my credit report with your credit bureau as of XX/XX/XXXX. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/XXXX. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/XXXX and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX   ENCLOSED **

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 2018-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC
State: CO

Complaint narrative:
The wife and I are trying to refinance XXXX XXXX. We want to get some dedt cleared with this refi. Our mortgage company " Pacific union fin. ''. Is holding us to off till XX/XX/XXXX Of this year do to a modification. We can't even make any kind of move there roots are staying put. XXXX at XXXX did a credit pull yes we had some issues with payments yet we still to get them there payment as soon as possible with as much information on our side as possible. They now charge to make a payment. Problem is we can't move forward to help our budget if they can't move there roots a bit to get us moving in there right track. So we still struggle to make there payment an can't do a refi. To help pull us out of a water filling ship. I don't know the exact dates but was early 2017 some where in XX/XX/XXXX when the modification was started. They put us on a smaller payment yet still reported late and now they will not reverse anything.we where told the modification would not hurt us yet it has

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one closed my account with no phone call, no letter, and no email notoce. I go to nakr my onlinr payments and it says restricted. I call in and its dtates closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have hard these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont tbink its right that tgey dont give you a warning or notice that this could occur. Thid has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I went to TD Bank in XXXX VA to have funds ( {$4000.00} ) transferred from my TD Checking account to my IRA at XXXX XXXX. I wanted this amount to be available as a tax deduction for my XXXX filing. XXXX emailed the wiring instructions to the representative while I waited for her to complete the transaction. The funds were deducted from my checking account, but a couple of weeks later in XX/XX/XXXX I realized that there had been no deposit to my account at XXXX. I opened a complaint with TD. To date the money has still not arrived at my IRA account and TD Bank can not account for it. I have been passed around by phone from person to person, department to department. They have no explanation although the manager tried to say that XXXX 's wiring instructions were incorrect. It is clear that the TD Bank representative misinterpreted the wiring instructions and sent my money to some erroneous location or account. At some point during several phone calls TD Manager XXXX XXXX told me that the money was deposited into someone else 's account and they are unable to recover the full amount. No other information has been given to me. 

It's been months. TD has given me no timeline for a resolution, I am running out of time to file my taxes and I will lose the ability to claim the deduction since I don't have another $ XXXX to compensate. I have recordings of our conversations and am planning to file a complaint in court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: On-Site Manager, Inc.
State: GA

Complaint narrative:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX  is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A 3rd party collection agency, Commonwealth Financial Systems ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX XXXX also as XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report fromXXXX XXXX XXXX also as XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. **PLEASE SEE LETTER FROM XXXX XXXX XXXX **

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off on XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I cancelled an insurance policy and furnished another insurance company and they still continue to charge me for this plan even though I have not used it! I have contacted them several times and sent my current insurance information and they continue to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/18, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all XXXX cards off on XX/XX/2018. We were just advised that on XXXX XXXX. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site www.entergy.com regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX ENCLOSED **

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 2018-03-31 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:
A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

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 2018-03-31 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: FL

Complaint narrative:
A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.

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