vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of 7yrs for a negative account reporting as well as the accuracy of the information of the account being reported

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 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am appylying for a mortgage refinance with my existing mortgage lender - Wells Fargo Bank about 2 months ago. 
I was initially asked to pay {$540.00} for a full appraisal which i did pay, however during the loan processing i was advised that a rapid appraisal for {$80.00} will suffice. 
I asked the bank to refund the difference to my credit card but they insisted that the difference will be applied to reduce my loan balance. I have escalated their decision stating this is a fraud and forceful extortion of funds from me. My loan is in and has always been in good standing and i am shocked by this financial malpractice and now i am part of the victims impacted by the unprofessional customer experience of Wells Fargo which has led to many law suits against the bank. I will not hesitate to join in a legal complaints against the bank. 

I need the difference between the excess funds i paid and the actual amount i.e {$460.00} refunded to my credit card account and NOT applied to mortgage account. 

Appreciate your prompt resolution.. 

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the Identity Guard Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the XXXX XXXX Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.

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 2020-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of XXXX for a negative account reporting as well as the accuracy of the information of the account being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX co

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 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: OR

Complaint narrative:
In 2019, I pulled up my own credit report to view my information. I had found a collection account by name of : Paramount Recovery, reported for medical debt that I was unaware about. I contacted the the company with the information from XXXX XXXX website that stated Paramounts name and phone number. They clarified the debt was a medical debt, I then asked I had never received a noticed, did not know I even owed this debt. The debt was due to a motor vehicle accident and the insurance had paid all other bills on my behalf, and all of the bills on time. If I was aware of this debt, I would of had the insurance pay it in a timely matter. The collection agency covered for a company that had a change in ownership, which caused them to never send me a notice of any bills, or even any attempts to collect the debt. 
No phone calls, or voicemails were left in that matter as well. I had to make multiple attempts to contact the debt collection company, and speak to multiple different people at their company in order to request an invoice. I had to collect an invoice independently, as they requested it from their client but stated it would take weeks to receive. I contacted XXXX which is the company that originally holding the debt, they then were supposed to send the invoice for the physician bill, but the company XXXX then sold to envision services. 
The insurance company has now paid the debt owed - I had confirmed the check XX/XX/2019, from XXXX with check #, picture of check, and date check was cashed, to the collection company, but it is still being reported on my credit report as closed, but it is still affecting my credit score, as it is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
There was a fraudulent account opened with my information that was done online to receive cash from a place called XXXX  XXXX of South Carolina in 2015. Upon discovery on my credit it was sent to a collections which this how I found out about the account. The amount is XXXX dollars that NCB management is trying to collect. I've been disputing this account for the past three years to get it removed of my credit. 
There is no verifiable information other than stolen information. When I ask for any proof there is no proof other than it was done electronically and the money was issued then account closed.ive called the main company and explained this to them and they can not pull up any accounts by my name or last four of my social. I called the collection agency NCB Management and  explain this to them and they said they bought the account from XXXX XXXX   I asked them how are they verifying information if the actual company doesn't have any informations to go off of. This fraudulent account needs to be removed and deleted off my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
In XXXX Mountain Land collections agency in XXXX XXXX UT, XXXX the debt collector told me that my ex husbands medical debt was mine and if I didnt pay it will affect my credit, garnish my wages, take legal action. The debt was acquired by my ex husband in XXXX of XXXX and I have a divorce decree stating that we were separated XXXX of XXXX. He got disrespectful multiple different times and got me to sign an agreement for monthly payments with the collection agency which included my ex husbands debt. After numerous requests to remove the debt from my account they refused. They also have taken my monthly payments to pay off my ex husbands accounts first even though it was requested to pay off my accounts first. In XXXX of XXXX they withdrew double payments from my bank account without authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Given that Synchrony Bank is a major issuer of store cards and connected to various major shopping outlets like PayPal and Amazon, I found myself with approximatley 12 accounts with Synchrony Bank, which have all been open for as long as six years. 
All of the accounts have been handled exceptionally well and have been on auto payment with very low balances as compared to the established credit guidelines, which are in excess of {$14000.00} on most accounts. To ensure timely payment on the account, all have been set up on auto payment deduction for quite some time. Synchrony Bank makes it easy to request a credit guideline increase, which was done on a regular basis and they've accomodated extremely high increases on my credit accounts on a frequesnt basis. 
My problems started with Syncrhony Bank a few months ago when there was a bank error and the automatic payment processed on my Chevron Card, which caused the payment to be late. It was explained to me that this was a system glitch within Synchrony Banks system and was immediatley recified. The fee was waived, payment was defered and my auto payment began to be processed without fail for the following month or two. 

On XX/XX/2020 I learned that Synchonry Bank decided to close all of my accounts with their organization with an extremly vague response that my accounts had a high risk of non-payment and in this letter there was no reference to my credit file or the the exceptional handing of my other accounts or those with Synchrony Bank. I asked for a more detailed response with their customer service department and wasn't offered any further of a response. I believe that this is related to the most recent bank error on my Chevron account, that was supposedly fixed. 

To make matters worse, I've also recently learned that my Lowes Account, which has been on auto payment for many years was taken off for an unknown reason, which caused the account to fall past due and a late fee was assessed. Because the account is closed, it is difficult to chat with customer service online to get this situation resolved.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I was charged hidden fees from this company Lending Tree XXXX XXXX XXXX XXXX they refused to close my account due to their own wrong business that never opened my request with a processing request that takes over three weeks, I am requesting to ask who owns XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint mortgage servicer was assigned to two of the properties that my XXXX just refinanced. I got married in XXXX. Before getting married i called shellpoint that please let me know if i owe any payments for XXXX on my home in XXXX XXXX XXXX XXXX, NY since my loan was transferred to your servicing. They told me nothing was due. Then i went on with my reception and honeymoon. When i came back. I received a mail that i was late for XXXX. I called and made payment for XXXX and XXXX. They told me everything was fixed and things like this happen due to transfer of servicing. 

I refinanced another home in XXXX XXXX XXXX. XXXX XXXX NY. 
Shellpoint is still the servicer. They send me mail stating {$0.00} is due for XXXX. When i call them to confirm they tell me the mail sent was wrong and they are sending another mail with correct amount. That was on the XXXX of XXXX and payment was due on XXXX of XXXX. I still havent received my correct statement and neither have i received a call back after making multiple inquiries and today is XX/XX/XXXX. 

On XX/XX/XXXX, i get a notification from my credit card company that i have defaulted on my payment on XXXX XXXX XXXX XXXX, NY home. I have lost over 100 points in credit scoring and my debt has increased by {$190000.00}, the mortgage amount. 

To make matters worse, i have multiple properties that are currently under underwriting process of refinance and they cant close because my credit doesnt meet the requirement anymore. I am losing hundreds of thousands of dollars in equity if i do not refinance and that money is necessary to keep my new business going. I risk of losing those homes to foreclosure because they are paying interest rates as high as 13 %. 
I could lose in excess of {$2.00}  million in property value because of negligence of shellpoint mortgage. My XXXX is a public benefit XXXX, i XXXX XXXX to XXXX XXXX XXXX  and XXXX, these servicers are increasingly outsourcing or using too much AI that a common miscommunication can create a mistake that can cost millions. 

I will lose all my properties if this persists and i want to know who will be held responsible for this negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called into close my bank of america credit card account which has an annual fee. The agent promised that she would be able to give me 5000 miles in rewards if I continued to keep the card, which also means I will be charged a {$90.00} fee. Its been two months and I did get charged the annual fee, but haven't received the promised miles. 

I called back and the bank is saying they don't have such policies. I ended up closing my account, but this is blatant fraud to charge me an annual fee and not keeping their word about the rewards. They have misled me so they can charge the fee.

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 2020-02-22 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
An order was placed on an online website and I never received any item I filed a dispute and the dispute was never investigated deep enough. And the investigator took this situation personal .. she was not believing what happened.. asked me to resolve the issue myself and that since it was ordered from my IP address I was reliable .. she advised to file a police report I did and I sent all The paperwork she needed and still was not investigated. She even said the merchant was not providing her with any tracking number of proof that this item was mailed to me and I still was found reliable. I contacted the merchant and was advised I was going to get a refund and I ever heard back from them ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: AP

Complaint narrative:
the website they use does not have a privacy or terms of agreement but the box must be checked before proceeding. 

XXXX   XXXX I called them, assetcare, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX and they individual i talked to said it wasnt his, assetcares problem that there was no privacy or terms of agreement. 

Being no terms or a privacy policy in place, There is no way that my information can be safeguarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CITIBANK, N.A.
State: DC

Complaint narrative:
1. A Citibank ( South Dakota ) N.A. charge off {$1300.00} FRS File number XXXX, online pin number XXXX regarding Best Buy Visa,  date of last payment : XX/XX/XXXX, charge of date : XX/XX/XXXX, date of first delinquency XX/XX/XXXX has surfaced. This account is fraudulent. There is no prior debt communication from XXXX XXXX XXXX , XXXX - XXXX   XXXX XXXX XXXX, MN, XXXX, XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA, XXXX Date - XX/XX/XXXX Reference # XXXX Creditor name : XXXX XXXX, XXXX Creditor account : XXXX Total due : {$440.00} These 2 charges have surfaced when there is no indication of any communication by the bank of there being a default. The impact on my credit has been extreme. In XXXX my score was XXXX and currently it is at XXXX which is impossible. 

The financial harassment and actions by banking subsidiaries has reached a point where they have made it impossible to get credit that is extremely detrimental to my business as a long time resident of DC.

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 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL

Complaint narrative:
This company Second Round LP which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation