vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 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: TX

Complaint narrative:
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the XXXX are they verifying them with you. Please remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TMX Finance LLC
State: FL

Complaint narrative:
XX/XX/2015, paid car title loan off for deletion still showing up on credit as a bad debt. When I paid they were suppose to delete the account from the XXXX   Credit report still not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I observed on my credit report that there was an account on Capital One that I did not opened. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I contacted Capital One and sent them several letters with police report and have not received a response since. I spoke to their customer service and was kept being transferred over to different departments. This unauthorized fraud account with Capital One is severely effecting my life. I can not get a rent an apartment and I have been rejected from employment because of this. My credit is very good except for this fraud account reporting in credit report. I have disputed it with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had made arrangements with a person on XXXX to rent a property over the XXXX weekend. I had traded several emails and a few text messages and I was to pay this person using the XXXX service from my bank. Unfortunately, the " owner '' turned out to be a scam artist and essentially got away with {$1000.00} of my money. I called my bank Wells Fargo immediately to try to re-coup the lost funds. Wells Fargo told me there was nothing they could do about it. 
I called the XXXX customer service line, eventually spoke to a live person. XXXX does NOT have a fraud department. I asked to escalate my problem, and they just transferred my call back to Wells Fargo! 
There is NO accountability on the part of XXXX nor Wells Fargo for this fraudulent act. I called the local police to report the incident.

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 2018-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Money Service Centers of Hawaii
State: HI

Complaint narrative:
ON XX/XX/2018 I recieve a letter saying I have 10 days dated XX/XX/18 to respond to lender about my payday loan payback. 
On XX/XX/18 they submited payment for payday and was withdrew on XX/XX/18 Now by them doing this caused my account to go negative and some payments were denied When I question them about letter that they sent me answer was '' ya so what '' Not was it rude and unprofessional but it caused my account to go negative The letter clearly says I have 10 days to respond to letter before submiting to bank for payment

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 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: TX

Complaint narrative:
After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the heck are they verifying them with you. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: MN

Complaint narrative:
I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Equifax and it's still not resolved. This fraud items are severely impacting my life. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I did not authorize or open this account above and have in several letters provided Equifax with affidavit and police report and have not received a response. 

This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 

XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans  and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I observed on my credit report that there was a late reporting for XXXX XXXX forXX/XX/XXXX XX/XX/2018, I was never late on account and I sent a check and they stated they didn't receive so I made a payment with them then and there. This false inaccurate reporting is severely impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 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: Comerica
State: IN

Complaint narrative:
Someone got my card, charged {$220.00} from me, ordered a bunch of stuff from XXXX, XXXX, XXXX XXXX XXXX, there was quite a bit more but I cant remember what else it was that they got. All I know is that when I tried to use it the machine kept on denying my card. So I had to order me a new card, I am still getting money taken from me every month there is almost {$150.00}. missing off my card, I dont go anywhere to buy anything, I dont order online. My S.S.I money is the only way I live, having people steal it from you each month its hard to live on it. I HAVE HAD MY IDENITY STOLEN FROM ME, THATS THE REASON WHY I CANT GET MY CREDIT SCORE UP. There are people out there that is using my Social Security number to get credit cards, all kinds of other things while I sit here trying to get our own place to live, we cant even do that because someone is putting my name to shame or giving me a bad name for using my information. WOULD YOU PLEASE CHECK OUT MY XXXX XXXX  ACCOUNT, MAKE SURE ITS NOT ME THATS TRYING TO PURCHASE CREDIT CARDS, LOANS, CARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We received assistance for XXXX from Keep Youf home California in XX/XX/XXXX. Rushmore was unable to have our new payment amount solidified and did not have answers to any of my questions until around XX/XX/XXXX. They then informed me, yes informed me because I dont get any sort of monthly statement ever, that my payment which was barely decreased with that XXXX assistance would be dude XXXX, XXXX. Although we still didnt have any of the paperwork worked out. I was given a payment amount with no statement in XX/XX/XXXX. I asked and asked and begged for months to get a breakdown of how they XXXX was applied since my payment barely went down. I never got it besides a vague email From XXXX XXXX. NEver did I get that statement breakdown from Him Or anyone. Nor do I get monthly statements and I have no online access. And my point of contacts XXXX XXXX has not Returned my calls once. The arrears were In the XXXX I believe when they got that XXXX in XX/XX/XXXX. I was to start off fresh XXXX XXXX, with much lower payment and i never did find out how the excess funds were applied to the account. I preferred and asked for It to be to oncoming payments, However I didnt ever get answers, except for a vague email in XX/XX/XXXX. I always told XXXX that wasnt enough and we wanted the excess of almost 50,00 to be applied to future payments. Nothing ever happened despite My numerous requests. In XX/XX/XXXX I received a NOD for backed up Payments since XX/XX/XXXX. I just received a notice of foreclosure Sale for XX/XX/XXXX. Ever since I got the NOD in XXXX Ive been calling trying to work something out and get some answers as to how these Funds were applied from KYHC. To no avail. Ive also hasked for payoff for or reinstatement quotes with no response. These people are complete and corrupt criminals. They just want to scam people out of their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had Citi Student loans. Some where transferred to XXXX  ( $ XXXX ) some transfered to XXXX XXXX ( nka XXXX ) ( $  XXXX ) and Citi continued to service some, then it was transferred to XXXX and the Citibank payment website closed down and directed all visits to XXXX. I continue to pay all those servicers and I am current on all of them. I noticed a Citibank student loan on my credit report ( about $ 27k ), I called Citibank about it, and then said XXXX will service it, that they no longer service loans. I continued to pay my XXXX payments as directed on time. I called XXXX   they said they have all my loans from city ( which was about 7k ) I figured it was rolled up in my XXXX or XXXX. As there was no other servicer for me to inquire about. I recently checked my credit and its still showing up now delinquent and sent to collection. XXXX, XXXX, and XXXX know nothing about it and Citi doesnt service loans. How can I pay a loan with no servicer? Im confused, and dont know what to do now.

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 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a {$36.00} overdraft fee on XX/XX/18. On XX/XX/18, I had {$6.00} in my bank account. I had a deposit of {$10.00} sent via XXXX to my account that day. Which meant I would have had {$16.00}. I can provide an image of all items that were still in the pending status as of XX/XX/18. Except for one item - XXXX XXXX for {$15.00}. That was NOT posted or even in pending. I had the {$10.00} deposited specifically because I knew the {$15.00} would post the next day. The {$10.00} would have added enough to my account so I wouldn't go into the negative. I can also provide the receipt for the deposit which states " The money will be in your account TODAY. '' Unfortunately, I am not able to show how that account looked that day. From the next days ' image it is hard to understand that because of how the items actually posted. Regardless, if you would go based upon the screenshot of my account. It should have added {$10.00} to my balance before the pending items posted which means the computer system should have given me a balance of {$82.00}. With that balance, my account would not have gone into a negative balance. I went to the branch to try to have the {$36.00} overdraft fee reversed. However, they were not able to do that since they said the deposit was made after XXXX XXXX and it didn't post until XX/XX/18. I was not made aware of this by PNC. Specifically, I was informed of the exact opposite. The receipt I have says " The money will be in your account TODAY '' If at any point PNC made aware I would have gone to an ATM and put the money in that way. I should not be penalized for misleading information sent directly from PNC. I am asking you to help reverse the fee. Additionally, for them to correct their official misleading policies/information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 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:
XXXX XXXX XXXX is reporting false and incorrect information. I never opened an account with them in XX/XX/XXXX.. they reporting I owe them {$3100.00} and I had 8 missed payments. They are telling me that the item will be on report until XX/XX/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 2018-11-25 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:
I recently sent letters to all three credit reporting agencies Experian, XXXX and XXXX regards to XXXX XXXX XXXX XXXX. It saying that I opened a account in XX/XX/XXXX. I never opened up this account. They are saying I have several missed payments. They are saying that the s account is going to. Affect me to XX/XX/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 2018-11-25 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: CA

Complaint narrative:
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX  IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 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: CA

Complaint narrative:
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX  IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX  XXXX AND XXXX XXXX XXXX XXXX, AND 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 non-monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I disputed an inaccurate medical collection item on my Experian credit report as the account was paid by insurance and the company was not to balance bill per the contract they had with the insurance company, yet they still did. On XX/XX/2018, I received notice that the dispute investigation had been completed and the item had been removed from my credit report. 

On XX/XX/2018, I noticed that the account had been added back to my credit report. I again disputed the item, advising Experian that they did not send me proper notice that the item had been reinserted. I received an update on the dispute that the account would remain on my report. 

According to FCRA 611 ( a ) ( 5 ) ( b ) ( ii ), " Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' This account is not a valid debt, and despite my efforts to get the creditor to remove it, they will not. Experian deleted the account for a reason, and has no grounds to reinsert it, especially violating the FCRA and failing to notify me of the reinsertion in a timely manner.

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 2018-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I received a collection from healthcare receivables on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX XXXX. I am XXXX XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: NC

Complaint narrative:
I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.

Company response to consumer: Closed with explanation