vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 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: CA

Complaint narrative:
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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:
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/2017 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 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MT

Complaint narrative:
Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX ( NMLS ID : XXXX ) at Bank of America with a Closing Worksheet for a XXXX XXXX with 5 % down and no mortgage insurance. On XX/XX/XXXX I received a pre-qualification letter from XXXX for the XXXX XXXX which I used to make an offer on a house. 

After noticing some discrepancies during the closing procedure I made multiple calls and emails to ask why the loan terms had changed but XXXX did not answer. I finally was able to speak to his supervisor, XXXX XXXX ( NMLS ID : XXXX ) who wrote on XX/XX/XXXX : " When you and XXXX initially spoke he did indeed quote you our XXXX XXXX. Unfortunately, the problem with this is that our XXXX XXXX does not allow for a 5 % down payment. It would require a minimum down on 10 %. We should not have sent out that initial worksheet to you as that option on the program is ineligible '' I stated that the 5 % XXXX XXXX information was on publicly available websites and asked why it was being rescinded after I'd used their documentation to make an offer on a home. They stated that it was due to a " soft Housing market in XXXX '' but could not provide written rules about that new regulations. Other mortgage companies in XXXX informed me that it was not a soft market. 

I began looking into options to borrow money to make this higher down payment amount and was told by XXXX XXXX on XX/XX/XXXX that they also needed me to supply more information about my mode of practice so that the underwriter could confirm my eligibility as a XXXX. I stated that I was a fully licensed XXXX XXXX XXXX and employed as XXXX XXXX. They said that they needed to confirm that I was seeing patients. I stated that I was seeing patients and again asked for written documentation of these additional rules and inquired if they required proof of number of hours of patient care from other applicants. I did not receive a reply from that email ( sent over 2 weeks ago ). 

I have uploaded the loan documents but also have copies of all of the emails to provide.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
Disputed with the company on XX/XX/18 approximately 71 days ago. Complaint showed to be received by company on XX/XX/18. It is now XX/XX/18 and I have yet to hear from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have reported collection accounts that are medical bill 's on my credit reports as active collection accounts with a balance due. The accounts were discharged in a chapter XXXX bankruptcy in XXXX XXXX Iowa in XX/XX/XXXX. I have repeatedly sent them copies of the bankruptcy discharge notice from the Federal Courts and they refuse to remove the items from my credit reports. I spoke with XXXX with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX I told XXXX about the accounts and he told me I was correct the balance due on 2 of the accounts were zero and they should not be on my credit report and that they would have the accounts removed. I have had this exact same conversation with XXXX XXXX XXXX accounts on several different occasions yet the collection accounts are still on my credit report. Everytime I contact them I am advised that they update reporting once monthly and they will remove them and it never happens. I have also contacted XXXX on XXXX separate occasions to have this removed from my report and they wont respond to my request at all. XXXX just keeps saying the information I have provided is inaccurate and they are unable to assist me. I've been struggling with this issue for several months. I want the items removed from credit report immediately as they are not active collection accounts, I owe nothing and I'm tired of getting the run around from these two companies. If the items are not removed I will be contacting my attorney to file suit against them both for inaccurate reporting, damages and attempt to continue to collect on debts that have been discharged by the Federal Courts. I would appreciate assistance in getting this matter resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
0n XX/XX/2018 I sent a letter to Equifax after their security breach and cover-up. In that letter I disputed multiple unverified, inaccurate and incorrect accounts being reported on my credit report. I sent the disputes via certified mail. The dispute was received by Equifax on XX/XX/2018. I received nothing but a copy of my credit report which did not properly verify the disputed accounts per the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. I sent a follow up letter to Equifax explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response Equifax sent back nothing but another computer automated copy of a credit report with no changes. Equifax continues to show no regard for the victims of their criminal, unethical business practices and still refuses to abide by the law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
When purchased our home in XX/XX/XXXX XXXX XXXX with Finance of America ( NMLS # XXXX ) estimated our property taxes for a XXXX loan, the problem is our loan was for XXXX. The taxes and insurance were included in the loan so that we wouldn't have any major lump sums due. Because of XXXX XXXX error we now owe our mortgage company {$1700.00} and we owe XXXX county {$1800.00}. Our Payment went from XXXX to XXXX, and we have to get on a payment plan with the county. XXXX XXXX error was missed when we refinanced, so I'm not sure if the new mortgage company is also at fault as they used the figures from our old loan to figure our payment. If the loan had been figured properly from the start, we would have passed on this home and found something with a smaller payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
RE : Loan XXXX - XXXX Loan XXXX - STEARNS Property : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

1. I, XXXX XXXX, refinanced with XXXX XXXX on XX/XX/2018. Stearns was my existing payoff lender, and sent a payoff good through XX/XX/2018. 

2. The Funds from Title went to Stearns on XX/XX/2018. 

3. Stearns and XXXX XXXX both confirmed that Stearns would transfer the funds to XXXX XXXX. Instead, The payoff funds were held by Stearns, and then returned back to escrow. 

4. Escrow immediately notified me on XX/XX/2018, and I requested an immediate wiring of funds to XXXX XXXX, since Stearns was not accepting the payoff funds. 

5. Because payoff date was erroneously labeled as XX/XX/2018 by XXXX XXXX, I was now SHORT of funds to XXXX XXXX. XXXX removed money out of my escrow balance to cover the difference. 

6. This is the problem : My funding/recording date is technically XX/XX/2018 NOT XX/XX/2018. I have been paying interest to BOTH XXXX XXXX AND Stearns/XXXX during this overlap. 

My Escrow Balance should be {$2600.00} NOT {$2000.00} My Principal Balance was {$420000.00} after XX/XX/XXXX Payment was made. 

- See attached final closing statement from title to prove funding date of XX/XX/2018. 
- See attached Grant Deed from county to prove recording of XXXX XXXX was on XX/XX/2018 - See attached payoff from Stearns that it was good through XX/XX/2018 which is past the closing date of the refinance. 
- See Escrow Balance on Account History and Mortgage Statement. And See Attached Check Receipt on my refund of only {$2000.00}. Stearns/XXXX overcharged interest, and took it out of the escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company included is Transunion. They have charged me XXXX dollars a month for their credit monitoring service. I do not remember signing up for it, but it isn't my complaint, as I know people click click click and do things they don't mean to. I cancelled the service around 2-3 months ago. I received the message on their website " you have successfully cancelled your service, it'll continue until the end of the month '' or whatever. I check my credit card again, and it's being charged from transunion again. I go back and repeat the process. There are a couple issues with their process. It's impossible to find the cancel subscription option from the profile page. I can not delete my credit card from my profile so the issue doesn't happen again, and I can't delete my account without calling them during the day. They need a delete credit card option, along with a 'cancel subscription ' option which is accessible from within the profile and isn't hidden through some backdoor. Further, their option to cancel the subscription needs to work and not continue regardless of what I'm asking of it. I missed 7 months of XXXX dollars which is adding up quick. There are no visual indicators, after the initial message, that my subscription has ended. How do I know if i'll continue to get charged next month? I literally don't know if what I did worked until it either happens or doesn't happen. You can tell from the screenshots that the transunion cancel subscription url is similar to the profile page. I couldn't find the page from within the profile and had to do a XXXX search on how to cancel the subscription. Upon navigating their website, you'll see what I mean.

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently received a copy of my XXXX XXXX report this report was full of so many errors and bank accounts from Wells Fargo that I have absolutely no knowledge of. I filed a complaint with XXXX XXXX whom stated to me that Wells Fargo was the data furnisher of this information falsely reporting on my XXXX XXXX report. I was a victim of identity theft and filed a complaint with the Federal Trade Commission and sent in all notarized documents to XXXX XXXX which were forwarded to Wells Fargo Bank. I requested that XXXX XXXX XXXX remove these false reporting accounts off of my XXXX XXXX report and these accounts are still reporting and reportedly came back verified by Wells Fargo. I've contacted the lawyer 's office handling the Wells Fargo class action lawsuit regarding identity theft victims which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My supporting documents backing my complaint were submitted to the law firm as well. Wells Fargo has listed these following accounts and account numbers in my name. Routing number:XXXX Account numbers : XXXX, XXXX, XXXX, and XXXX. I received two separate letters XX/XX/XXXX from Wells Fargo out of the office of identity theft operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. From XXXX XXXX Department Manager.  Notifying me that I was a victim of identity theft. I've called them several times to resolve this with no answer back. My XXXX XXXX consumer ID number is XXXX. These accounts need to be removed from my early warnings report or I will take further legal action to resolve this if I am not assisted in this matter

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 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018, I got an email about my bank account balance being below the requested amount, so I logged into my Bank of America account to check the balance of my checking account and the balance was {$1.00}. I saw that there were 3 unauthorized transactions on the account. There were 2 ATM transactions, {$480.00} and {$500.00}, and 1 XXXX purchase of {$470.00}. I checked my wallet to make sure my debit card was there and it was so I asked my husband to check and make sure he had his debit card and his debit card was not in his wallet. My husband has his card the night before when he went out and does not remember dropping or misplacing his card. The fraud transactions were immediately reported to Bank of America and a fraud dispute was filed. The bank informed us that we would received our money back in 48 hours, which was a lie. When we called back a few days later we were told that the money would be replaced that day, which again was another lie. When we call the fraud dispute line again they told us it would take 10 days ( this was on day 4 of 10 ). On day 10 ( XX/XX/2018 ), my husband received a call from a young lady at the bank stating that she had more questions regarding the fraud. He answered all of her questions and was told that he would hear from them on the following Monday ( XX/XX/2018 ). My husband did not receive a call from the bank, on XX/XX/XXXX, so he called them to inquire about the fraud dispute and was told that the account was closed out because he did not answer the remaining questions they had when they contacted him on Friday ( XX/XX/2018 ). He informed them that he spoke with an associate and answered all her questions when she called him on XX/XX/XXXX. They then proceed to tell him that he would have to wait another 10 days for them to conduct another investigation. We have been lied to constantly by different individuals every time we call and we just want our money back.

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 I certified mailed XXXX XXXX XXXX a section 609 ( a ) ( 1 ) ( A ) Dispute for account #  XXXX Account # XXXX I have patiently waited beyond the federal aloted time. Trans union has failed to provide any verifiable proof of these damaging accounts be accurately reported. I have contacted the accounts being falsely reported and I have been advised to disput through Transunion. I am providing proof of disput and receipt of certified mail with a copy of the notary. Pleas remove these account Immediately under FCRA.

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 2018-07-03 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: WV

Complaint narrative:
I have almost 30 fraudulent inquiries on my report and a collection account that is fraudulent. I have disputed this THREE times with Equifax and they refuse to remove the fraudulent information. The collection agency completed their investigation and determined FRAUD and asked Equifax to remove it, yet it is still there. Everytime I call they tell me something different and this is seriously preventing me from obtaining credit ( home mortgage ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have requested for the Original Mortgage Note & service agreement from the original note holder.Original Promissory Note & " Chain of Custody '' of the Promissory Note.By law i have rights to all " ORIGINAL " documents

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