vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to XXXX XXXX it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the XXXX XXXX  wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent Experion an original bill. But they refuse to change it. XXXX XXXX  stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that XXXX XXXX  has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem

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 2021-01-25 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: GA

Complaint narrative:
There is an account listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
XXXX XXXX with Hillcrest/Davidson and Associates has called myself and my wife from spoofed numbers in order to collect a debt that is not owed. His first text message said we owed his clients $ XXXX and then sent a letter saying we owe over $ XXXX. I have asked multiple times through email for documentation supporting his claim and he refuses to provide a written contract or any type of agreement showing this debt is owed. He is very abusive to the point he called my wife stupid because she didn't have any idea what he was talking about. He is making false claims that money from his client was used to purchase land and a house. He has committed several usury laws and is harassing me now after telling him several times to provide documentation of this debt. The last contact was today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I learned on XX/XX/XXXX that my Macy 's store card had over {$8000.00} in charges from a phone call from their billing department that my bill is past due and over the limit. I was outraged, I had not used my card in over 4 years at this point and it had a XXXX  balance. I explained to them that I had not received any bills via mail or email. I immediately asked to be transferred to their fraud department. I spent the next 2 weeks talking with different people in their fraud department. It was told to me that someone had been making minimum payments and had changed all the information on the account. They would not tell me anymore information!! I filled out every form they sent me and faxed back. I could even prove I was in a different part of the country when these charges were taken place. I even explained to them that I only used the card to make in-store purchases at Macy 's, all these are charges being told to me were everywhere but Macy 's ( the card was backed my American Express ). Macy 's Fraud department asked me to get a police report. They were supposed to send me a copy of the charges from the time we determined I had no longer used the card so I could use that for getting said Police report. ( still waiting for the copies as of XX/XX/XXXX ) On my last call they asked if anyone had been authorized to use my card, I said my wife was when I first opened the card and I had removed her since I had stopped using the card. They told me that was in there system ( Notated previously ). I called back and their department had been shut down due to Covid 19 in XX/XX/XXXX. I called back and was still getting transferred to other departments because the fraud department was still not online. I want to say end of XXXX or beginning of XXXX I received a phone call from Citi bank who was trying to secure this Debt for Macy 's. I proceeded and told them this was all fraudulent charges and I had been speaking to Macy 's fraud department. Every time I called Macy 's to try and talk to someone I was transferred directly to Citi Bank collections. Fast Forward to XX/XX/XXXX, I received a letter from another collections company about this same debt. I called the number on the letter and talked to the person on the other end explaining to them about this whole situation. The first week in XX/XX/XXXX, I received a letter from Macy 's saying my fraud claim had been denied and I am liable for all charges.

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 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
1. Due to illness, PenFed {$5000.00} check was stale when went to deposit at bank.

2. Returned voided PenFed check to PenFed.

3. Have not received credit for unused PenFed check.

4. Moneys not deposited to my PenFed Account ( s ).

5. Been billed for never deposited money to my PenFed Account ( s ) 6. No more money in my PenFed Account ( s ).

7. Now, PenFed threatens to ruin my credit rating.

8. Have not been able to speak to a live person!!!

9. Am XXXX  year old veteran. 
10. Will see oncolgist tomorrow to determine if I need a new XXXX XXXX or another 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 non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Medical Administrators, Inc
State: MS

Complaint narrative:
Bought male supplement online with credit card for {$75.00}. It came in the mail, no problem. Then I got a letter from National Medical Administrators , Inc. saying their office has been retained by a creditor XXXX XXXX XXXX. They are trying to charge me an additional {$110.00} for this product XXXX XXXX XXXX. I should have checked them out. When I did check them on the XXXX XXXX XXXX, the were a lot of complaints of the same thing. Total intimidation scam. Tried to contact them, but got nothing, but a run-aground. Here is their information. NATIONAL MEDICAL ADMINISTRATORS , INC. XXXX. XXXX  XXXX, XXXX, GA. 
TOLL FREE # XXXX XXXX # XXXX FAX XXXX, XXXX CREDITOR : XXXX XXXX XXXX. Date received letter XX/XX/2021. My bank has been notified of this scam. I TOTALLY refuse to pay additional money for something I already paid for. These FRAUDULANT people MUST be STOPPED! Signed, Very angry XXXX XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XXXX  and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks

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 2021-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I make payments within the assign payment date I even pay more on my account have been since I have had the car and still being charge late fee 's i have tried to work with them i have paid over {$14000.00} and {$2000.00} been in late charges because of mis- communication of paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX  for forgery and false pretenses.

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 2021-01-25 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I paid off my mortgage to Dovenmuehle on XX/XX/XXXX. They recorded receipt of the payoff on XX/XX/XXXX. There is a {$7700.00} overpayment that was applied to escrow. As of XX/XX/XXXX I have still not received a check. I have called them at least 12 times over this time period and have been advised a check was coming either right away or after a prolonged delay. The person and story is different each time and every call takes over 30 minutes on hold to talk to someone. Most calls last 2 hours. It's almost 4 months and no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Someone tried to obtain a Walmart credit card through Capital One Bank Capital flagged it and followed up with me via mail..applicant had my SSN and DOB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt is for a phone bill I co-signed for back in XXXX. I noticed it on my credit report years later. I believed my state of Texas has a statute of limitations of 7 years. Since it was about 2 years to go I let it go to the statue. I never heard anything about it again until it showed up in XX/XX/XXXX. 
Original Creditor : 11 XXXX in or around XX/XX/XXXX for {$490.00} I guess the debt was sold. 

Because I noticed it back on my credit report under the name of : SW Crdt Sys opened in XX/XX/XXXX for {$550.00} Please Help Thank You Kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-01-25 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: PA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX : Letter of Hardship -Acct : XXXX ( Personal Residence ) -Acct : XXXX XXXX ( Rental Property ) Dear Loss Mitigation Customer Care , My family and I have been solid Fifth Third customers for many years, and I appreciate the opportunity to relate the circumstances that have led to the currentdefault status of my Flex line account. Please note that I have XXXX separate Flex line accounts with Fifth Third Bank : My residence at XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) DefaultMy rental property at XXXX XXXX XXXX. XXXX XXXX. ( XXXX XXXX ) Commencing with a letter I received on XX/XX/XXXX from Fifth Third Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been attempting to understand how my residence is in default when I have consistently paid my monthly payments.Upon further investigation and dialogue with Fifth Thirds Mr. XXXX XXXX XXXX we were both perplexed at how payments had been applied to principal and interest at both properties ( listed above ). Mr. XXXX pulled up records from as far back as XXXX, but despite working with me for over an hour on the phone, he could not make sense of the payment history, how the payments were applied, or how my residence was suddenly deemed to be in default. There appears to have been some confusion on my account ( s ) regarding allocating my payments, and possibly in conveying notice to me that outstanding late payments or other charges were potentially impacting my loan negatively. This is by no means an accusatory letter, and I readily acknowledge that I have been overwhelmed by several events in my personal life ( XXXX XXXX of several family members, tenant evictions, XXXX setbacks, etc. ) that may have caused me to assume continuity in my Flex line account ( s ) status since I have consistently paid the indicated payments due per my monthly notices. I would like to resolve this matter as quickly as possible, and I have begun the process of gathering my information in preparation for a loan modification if that is what is deemed necessary? As part of this process, I would appreciate written confirmation that details the exact issues that have led to the current default status. I want to be able to verify that loan payments were appropriately applied to my account or can still be remedied by Fifth Third Bank if it is found that payments werent properly applied to principal, interest, late payments, etc. that may have occurred in the past. Ultimately, bookkeeping errors could impact the loan balance owed, and it is important to establish that amount accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Twp. MI XXXX Please note : The Co-borrower is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NJ

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Previously applied for loan modification thru XXXX XXXX XXXX due to co owner Mothers sudden transition. 
Followed all XXXX XXXX XXXX instructions XXXX XXXX XXXX suddenly started foreclosure during modification and would not permit borrower to submit payments Borrower contacted Consumer complaint which forced XXXX XXXX XXXX to launch exhaustive investigation. Recordings found because borrower had dates and times names. 
In the interim XXXX XXXX XXXX pursued foreclosures replete with foreclosure notices on door. 
Result was an apology letter from XXXX XXXX XXXX removing missed payments from credit reporting agencys and one mortgage payment made by them.

Next at inception of Covid cares act borrower contacted XXXX for three month deferral Cares act request on back end of loan It was approved via phone. 

However at this time borrower noticed maturity date was changed to a longer date. 
Borrower contacted XXXX XXXX XXXX executive offices. Borrower was told by representative maturity date was changed due to modification. Borrower explained to representative that a modification was never processed & agreed XXXX XXXX XXXX had no proof of signature about changed maturity date. 
Borrower explained to representative that an apology letter was granted. He cited he would follow up and did not. 

Next action that occurred was XXXX XXXX XXXX sold mortgage to SPS without informing borrower. 

Borrower found out when confirming payment and cares act deferral Borrower contacted SPS Told SPS about the maturity date error and the approval for cares act for deferral on back end of loan for three months Sps cited it would take months to discover and denied requests for Cares act approved by XXXX XXXX XXXX Borrower was impacted by Covid thus seeked assistance from other organisations. 
XXXX XXXX assisted with mortgage payments. 

Next incident was XX/XX/XXXX Borrower was told via call payment of over XXXX XXXX dollars was made and no mortgage was due until XX/XX/XXXX In the interim SPS sent borrower statements In XXXX & XXXX reflecting no payment due to XX/XX/XXXX. 

On XXXX XXXX borrower received letters from SPS citing SPS had made several attempts to contact borrower. The lettters were dated XX/XX/XXXX & XX/XX/XXXX. 
These letters were not true. 
These were first attempts The letters stated payments were past due and borrower had to XXXX XXXX to pay or foreclosure would start When borrower contacted SPS via phone was told by representative that SPS made errors and placed money on wrong account and borrower had to XXXX XXXX to pay all mortgages or foreclosure would occur This is not borrowers fault Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation