vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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:
Transunion, XXXX  and XXXX refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

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 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: FL

Complaint narrative:
XXXX, XXXX  and Equifax refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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:
XXXX, Experian and XXXX  refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

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 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
Hi CFPB! My names is XXXX XXXX. I have a problem about Esrow Funds with Hallmark Home Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX IN XXXX. They are keep the amount is {$1100.00} and tell me they will refund when the yard at house done ... but since it done they just sent me back {$1000.00} because of the inspection cost {$130.00}. Nobody tell me i need to pay for the inspection. When i call XXXX XXXX ( work for Hallmark home mortgage ) said i was signed on the escrow agreement at closing date on XX/XX/2018. The reason I complaint is  because i have no time to read the escrow agreement on closing day. I would like to have the escrow agreement some days before i need to sign so i will understand it. I would like to have {$130.00} back because I didnt know ... I would love CFPB help for that issue ... thanks so much ... please contact me at XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This company has contacted me several times to collect on 2 accounts that are listed on my credit report as derogatory items. 
They have indicated that the original creditor is listed as XXXX XXXX and that they have purchased these accounts. 
I have requested Verification of the original debt, as I do not believe that these are my accounts, as I currently have 2 XXXX XXXX Credit Cards That Are In good standing. 
They have sent me a letter verifying that these accounts were purchased from XXXX XXXX, and that they have the right to collect them. 
To this date, I have NOT Received verification that the original debt purchased belongs to me. 
They continue to call, even though I have asked them not to contact me again without verification of the original debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: CA

Complaint narrative:
Capitalone closed my account three times. The reason they provided is " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for commercial or small business purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' I do not understand what that means. 
Why capital one approve credit cards and gives limit of XXXX I never crossed my limits. I paid all credit card on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Based on the recent News headline : " Wells Fargo Loan Modification Errors '' We tried to modify our Wells Fargo loan between this time period reported XX/XX/XXXX to XX/XX/XXXX and were denied over 20 plus times, we went to court mediation and offered them XXXX of my XXXX and they refused. After a year of meeting with them at the courthouse, they told us at the last session, they do not modify. Myself and the court-appointed mediator were dumbfounded, however, we continued to try and eventually had to short sale the home in XX/XX/XXXX. The damage, emotional, physical stress has been immense, we are still trying to recover, we are a family of XXXX, the kids took the impact of this event hard. We would like to know if we have any recourse to help get back some of what was taken if this all was due to an error on their behalf. We believe we were a victim of the computer error that has recently been reported in the news regarding loan modifications at Wells during this time period, this would explain why we were forced to short sell or be foreclosed on.

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 2018-12-04 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: NY

Complaint narrative:
I have disputed accounts on my Experian credit report that is not mine or not being reported correctly but it's still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2018, I received a letter from Capital One indicating that my account was now sent to the " Recoveries Unit ''. I proceeded to call Capital One on XX/XX/2018 in hopes of reaching an agreement that would allow me to maintain a positive relationship with XXXX offered me a monthly payment of {$150.00} until the account was paid to a {$0.00} balance. I advised XXXX at that time, I could not agree to ANYTHING without having the terms sent to me in writing for my review. She then advised me that without a payment being made by XX/XX/2018, she could not guarantee that the account would not be placed for collections with a local attorney. However, she did agree to provide me with the terms of this proposed payment plan within 7-10 business days of the call. After not receiving the letter XXXX promised, I again contacted Capital One on XX/XX/2018. I was advised that XXXX was not available and that their records indicated that the letter was mailed. Again, I advised them that I did not receive the letter. I was then told that a copy of the letter would be mailed again. The representative advised that they could only hold the account in their office until XX/XX/2018 before the account would be placed in collections. I was then questioned about a completely different Capitol One account that I never opened. I informed the representative that the account that I spoke with XXXX with is the only account I had with Capital One. On XX/XX/2018, I called Capital One to inquire about the account that was mentioned on the previous call that I did not open. I was informed by this representative that they could not provide me with any information after my admission of not " owning or opening '' the account. As to date, I have not received a proposal for a payment plan to keep the account I spoke with XXXX as she and the second representative promised. On XX/XX/2018, I received an e-mail indicating a payment plan that I did not agree to with completely different terms than discussed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage. 
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit. 
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose. 
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that. 
For my Surprise, for the time being my deposit was not returned. 
Suntrust cancelled my account and never returned my money. 
I would like to file a complaint to get my case solved and my money returned.

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 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: DriveTime
State: PA

Complaint narrative:
I purchased a car from drivetime they never told me that the car had recall on it the power steering went out while I was driving on XXXX and I almost died the warranty tried to blame me for the power steering going out. The car is sitting at the shop I am unable to drive it at all the car is not even a year old. I really they cheated me and I believe they owe me money back for this car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I stayed at XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018 for a National Conference for my occupation. The Conference was held at this hotel. 

I had a legitimate bill from the Hotel for {$980.00}. However, they also charged me {$1000.00} for the hotel stay of another conference guest that I have never met or heard of. I know the details of the fraudulent purchase because Wells Fargo reported that to me during their investigation. The hotel would not tell me who the person was who made the purchase. The hotel claims they have an authorization from me for that guest to use my card, which is absolutely untrue. I have seen the documents presented to my card issuer ( Wells Fargo ), and it was merely a receipt for which my card info was used. There is no signature of any kind to accompany the card info, or any kind of form that would give my purchasing power to another person. I was in physical possession of the card the entire time. 

Wells Fargo is not willing to overturn the fraudulent charge in my favor, but there is absolutely no legitimate reason for that decision. 

Please help!

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 2018-12-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: NV

Complaint narrative:
The collection first went delinquent XX/XX/2011, it's not past the 7 year reporting period. The collection is with XXXX XXXX and they verbally confirmed the original delinquency date over the phone but Equifax is reporting this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: NY

Complaint narrative:
I have disputed accounts on my XXXX credit report that is not mine or not being reported correctly but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago.

Upon information and belief, no one from Experian has taken accountability for my credit disputes, therefore no one from Experian can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Experian to adhere to the law? Clearly, Experian does not complete reasonable dispute investigations for consumers. From my personal experience, Experian conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Experian and the CFPB with this Affidavit included in this complaint and wait for a response from Experian. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Experian to claim damages for myself as well as millions of Americans who have been affected by Experians FCRA violations.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

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 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to XXXX Hospital XXXX. At the time of this visit, I was an employee of the Hospital System. I carried the employer sponsored insurance plan as my primary insurance as well as Florida State XXXX. When asked, I presented both insurance cards to the hospital 's registration representative for billing purposes. I also presented, by State ID & signed authorization 's to treat & bill my insurance. My primary insurance, the employer sponsored, paid {$0.00} & applied {$810.00} to my in network deductible, which left {$810.00} left payable by my secondary insurance, Florida XXXX. The hospital never billed my secondary insurance, instead they billed me the patient, but never actually sent out a bill. I was able to verify this information because I worked in the patient accounting department, doing the insurance billing & collections. My account was outsourced to a third party agency, by the name of Common Wealth Financial, under account # XXXX. I made contact with Common Wealth Financial in XX/XX/XXXX, I advised email to proof that I was covered under Florida XXXX on the date of service mentioned above. In XX/XX/XXXX this item was removed from my credit report, along with account # XXXX, collection account for Date of Service XX/XX/XXXX for {$210.00}. Sometime between today and XX/XX/XXXX, both balances were reported back to XXXX, XXXX & XXXX. I made contact with Common Wealth today, XX/XX/XXXX & was advised this information was not be reported to the credit reporting agencies mentioned previously. In additional, Common Wealth Financial was unwillingly to investigate and/or resolve the issue.

Company response to consumer: Closed with explanation