vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 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: AL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT 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 explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
At the beginning of the year, I inquired with US Bank about refinancing and combining my mortgage with the equity line of credit both owned by US Bank. After supplying all the relevant documents and being approved, I closed on the refinance XX/XX/2020. My first mortgage account was not closed but evidently, it was paid and closed. I received the payoff letter XX/XX/2020. However my equity line of credit was not paid and is still open. I have been receiving phone calls from debt collectors since XXXX and explained the situation to the customer service representatives. After getting transferred to so many departments, I sent an email on XX/XX/2020 informing the Mortgage Loan Processor, that a check for my equity line of credit was not dispersed. The amount from the refinance {$99000.00} was dispersed on XX/XX/2020 to the equity line of credit account. I thought this payment would have resolved the issue however I still owe {$450.00}. After receiving collection calls again to pay {$140.00} to the equity line of credit, I emailed the Mortgage Loan Processor on XX/XX/2020 to resolve the issue. When I discussed the issue with customer service, It was suggested that I dispute the claim but I have since been denied. The customer representative said she would reach out to Mortgage Loan Processr for assistance. I do not owe money to the US Bank, in fact, they owe me. So it wouldnt affect my credit, I paid {$140.00} that I do not owe. After going through my documents, US Bank owes me {$700.00} plus {$140.00}. I should not have been charged interest or late fees on a loan that should have been closed XX/XX/2020. Could you please assist so I can get this resolved once and for all? 

Equity Line of credit bill on XX/XX/2020 states the end balance was {$99000.00}. The closeout from US Bank was {$99000.00} which should have been dispersed on XX/XX/2020 but was later dispersed on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-03 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: PA

Complaint narrative:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the account with TransUnion the account XXXX XXXX. The creditor has not verified the debt as valid. The phone number listed on the report is non working as well as the address non working. I have disputed this time and time again with Transunion and they have not deleted the account since its not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: AL

Complaint narrative:
I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the 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
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
I dont know anything about the mortgage and Real Time Resolutions is claiming I owe a debt. I dont owe this debt or have any recollection of this loan. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX, with an Individual Taxpayer Identification Number, credit card from XXXX XXXX, USA address and a functional XXXX in the US. 

I Need to access my credit report/score but my information is not available in their websites : XXXX  Experian XXXX  XXXX How can I get my credit score?

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 2020-10-03 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: Quality Asset Recovery LLC
State: PA

Complaint narrative:
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Rose Law Firm PLLC
State: MN

Complaint narrative:
I received a letter in the mail threatening to sue me for a medical ambulance bill. It claims that the debt collector has an intent to sue. They are put under the name Rose Law Firm but has a disclaimer that the letter was from a debt collector. I do not appreciate the threats or harassment saying that this is only how I can prevent litigation. Please reach out to them for me as they have no legitimate website and do not pick up phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One to cancel my Visa XXXX Account on XX/XX/XXXX at approximately XXXX PST. After requesting account closure of the phone rep. of Capital One, he asked me whether I would like to have any Capital One rewards credit balance sent to my address, which I declined. The phone representative stated I would be receiving a USPS-mailed document to confirm account closure. As of XX/XX/XXXX, I have not only not received any documentation from Capital One confirming said account closure but also received two USPS-mailed account statements from Capital One for said account, for period ending XX/XX/XXXX and XX/XX/XXXX, both showing XXXX balance and no transactions during respective statement periods. Neither account statement confirms account closure which I requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ON XX/XX/2020 I TELEPHONED WELLS FARGO CUSTOMER SERVICE TO INQUIRE ABOUT MY ACCOUNT. BEFORE I BEGIN TO GIVE MY INFORMATION TO SECURE IDENITY I ASK FOR THE NAME OF THE CUSTOMER SERVICE PERSON I WAS SPEAKING WITH. I WAS TOLD THE NAME WAS XXXX. I GAVE XXXX MY FULL NAME AND ASK THAT SHE SENT ME A VERIFICATION CODE TO MY PHONE BY TEXT TO ENSURE I WAS SPEAKING TO A BANKER OF WELLS FARGO. SHE REFUSED. DUE TO THE COVID 19 EMPLOYEES ARE WORJKING FROM THEIR HOMES AND I AM CONCERN ABOUT MY INDENITY BEING AVALIABLE TO A NON- WELLS FARGO EMPLOYEE. XXXX SEEMS TO THINK MY REQUEST WAS ABSURD AND PLACE ME ON HOLD SO A SUPERVISOR COULD SPEAK WITH ME. I WAS ON HOLD FOR THIRTY ( 30 ) MINUTES BEFORE I FINALLY HUNG UP THE CALL. THIS IS THE WAY WELLS FARGO TREAT CUSTOMER NOW? MY REQUEST WAS LOGICAL AND SECURE, BUT XXXX SEEMS TO HAVE THOUGHT IT WAS A WASTE OF HER TIME. IHAVE REASONS TO BELIEVE SHE WAS EMPLOYED TO SERVICE WELLS FARGO CUSTOMERS. HER ATTITUDE OUTLINED DIFFERENTLY

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 2020-10-04 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: PA

Complaint narrative:
There are two accts on my credit report, see attached that have no info, dont know whos owed, Experian and XXXX wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to Experian and XXXX, still pending after all this time wont remove.

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 2020-10-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my 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 2020-10-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The following companies have been on my credit report over 4 years. By the Pennsylvania XXXX laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX  as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I continue to submit principal only payments on a monthly basis directed from my bank. These include my account number and " principal only '' in the memo. Caliber continues to fail to post these payments upon receipt. I have to call their customer service month after month to direct them to do the right thing. They are purposely attempting to collect more interest on this loan by not living up to their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my 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 2020-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing today regarding my interest that has been charged on my account. I bought furniture from Raymour & Flanigan XXXX, XXXX with promotional deal with 0 % interest rate for 2 yrs period. With in the two years I have to pay full amount otherwise interest will be charged. According to deal I was paying every month payment. My intention was before two years I would pay whole principal amount and XXXX, XXXX was the last time to pay all the due. But unfortunately from XXXX XXXX covid-19 started and I became unemployed. After that to avoid the interest I hardly arranged money and paid my full principal amount. But unfortunately that payment they received instead XXXX, they received sometime in XXXX. For that 15 days delay they added almost {$1200.00} interest on my account and asking me pay all the interest otherwise they sue me and put bill to collections. I called them and explain them my situation but they denying all my request. 

I am not working since 5 months due to pandemic. I am currently unemployed and it is not possible for me to pay this huge amount. So this circumstances I need your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 i got my credit repot and realized there is a collection agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On my credit report through a credit reporting agency specified as XXXX XXXX states that my Transunion  score has lowered 52 points due to XXXX XXXX onXX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the 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