vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I am writing about Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX XXXX www.sls.net ). Unfortunately, my mortgage was sold to them from XXXX XXXX. They are very difficult to work with, they commit acts of fraud, and they do not answer their phones. 

I changed my automatic payment to a new bank toward teh end of XXXX. The website said it would be effective one month later or XX/XX/XXXX. Since the auto payment would not draw process for a month, to ensure I was not in default I made a one time payment. They then auto-drafted a payment for XX/XX/XXXX which was told by their website would not happen for another month later. I now paid my mortgage payment twice in a month causing me extreme financial hardship. I contacted them and actually got a representative. They said they would put through a credit. I never got a credit on my checking account but now they show a credit on my mortgage balance. They have stolen {$1300.00} from me. I tried to contact them and I continually get through the several minutes of " account authentication '' to be disconnected. This mortgage servicing company MUST be investigated for fraud.

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 2020-02-28 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by Portfolio Recovery associates. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

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. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -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 2020-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, 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 {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

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/XXXXand 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. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

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 2020-02-28 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: GA

Complaint narrative:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a credit card with Citi Corp through Costco and the rep, XXXX told me over the phone that I do not have any late days past 30 days from my statements, He advised me the longest I've ever been past due was 8 days with does not constitute being late. I asked for him to remove the late fee of {$33.00} and he did but did not remove the 30 days past due. As you'll see in my attachment, I have a 30 days late on there and he advised me there isn't one but there is. This is strongly affecting my credit ratings as I'm trying to purchase a home. 

Best, 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 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have as many as ( 3 ) accounts with false information on my credit reports. On Equifax, it still shows that my account with XXXX XXXX XXXX is unpaid. I got a paid in full letter from them last year stating that it was a paid in full account ( as of XX/XX/2019 ). This may or may not be on XXXX  ( I do not have an account with them ). There was also a bill from XXXX that I also paid in full in XX/XX/2019. I was also under the assumption that a collection bill from XXXX XXXX XXXX that should not have been on my credit report had been removed in XX/XX/2019 when I disputed it. According to XXXX, who I applied for a Credit Card with, it is still on my Equifax Credit Report. It wasn't showing when I logged in to view my credit report, but the fact that XXXX XXXX XXXX may not have done their due diligence to remove it, or that Equifax is still reporting this is damaging my credit score unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I believe I was taken advantage of Wells Fargo Bank from XX/XX/XXXX to XX/XX/XXXX when they closed my account. I was being charged a multitude of overdraft charges during the entire time I had a checking account at their institution. Every month I would have a negative balance of at least {$350.00}. There was no way this was possible. What can I do get ANY of these funds returned to 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 2020-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have reached out to Bank of America in regarding to debt validation to no avail. I want to get this account cleared up and reporting accurately on 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 2020-02-28 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: GA

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have two separate complaints. 

the first is, repeated phone calls from the following company. I will try to link correctly to the Virginia registry of corporate entities. 

https : //cis.scc.virginia.gov/EntitySearch/BusinessInformation? XXXX & XXXX XXXX XXXX This is the business called Portfolio Recovery in Virginia. They mailed me something that came yesterday, and I do have a screenshot of it if you're interested and my email is XXXX The mailing fails to properly say to the person they are seeking collection from that by not making any payment, depending on state law, they likely can not be sued XXXX statute of limitation expiration. 
Instead, the disclaimer states that even if you're in a state where by making a payment on the debt which is no longer collectible through legal action, they will not sue even if they are able. 

if you like the exact wording, again just contact me at my email address. I have a screenshot of that part of it or can include the entire document if you would like. As far as the phone calls go they continue to happen at least twice per day, usually during permissible hours and I have not yet sent a cease-and-desist letter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST MIDWEST BANCORP, INC.
State: NC

Complaint narrative:
I originally opened this account for a {$10000.00} personal loan and then not long after opening, it was refinanced through XXXX. They told me that they would pay off my existing loan with First Midwest. I had my account set up for autopsy, so if there were any balance left then it should be taken card of. I wasn't notified of this remaining balance until I saw it on my credit report. It was stating that I was at least 60 days late on a bill. I was shocked to see this as I have never been late on any payment in my life and did all I could do to keep my score at nearly 800. Since this happened, my score dropped to about 675!! I just want to have my score that I have strived for all my life! One misunderstood item, and I lost everything I have been working towards. I was in the process of moving and had changed my address with the local post office, but I'm guessing that First Midwest decided to ignore this information. I paid this account off in full as soon as I learned of it's existence but it was too late. I should not be penalized for another companies negligence!

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 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I want to report multiple violations that XXXX XXXX XXXX is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to I.Q. Data International, NC. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX  XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: GA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-02-28 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I walked in to the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, CA XXXX and deposited 5 money order totaling {$2200.00} into my landlords account. On each money order there was an account number that belonged to my landlord. After receiving a receipt, it was discovered that the bank teller performed a key stroke error resulting in my funds being deposited into an account that belonged to an unknown person. After requesting this issue be resolved I was advised there was nothing that could be done by Branch Manager XXXX XXXX. She began to tell me that the error was discovered more than an hour later and as a result they are no longer able to reverse the transaction. I let her know I was unaware that there was an hour limit that has been set by the bank and explained it has been only 3 hours and the money order were still sitting at the tellers window with the correct account numbers written on them. She said she would be willing to file a claim, however, there is no guarantee that the issue will be fixed and unable to give a timeline. I placed a follow up on on today, XX/XX/2020, using the claim number provided to me and was advised by the representative the claim number is for an account that does not belong to me and as a result I am unable to inquire as to a resolution. At this moment, I am out of {$2200.00} with no one willing to rectify the situation that was caused by the branch teller.

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 2020-02-28 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: Lending Club Corp
State: MA

Complaint narrative:
{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan. 

My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.

Company response to consumer: Closed with explanation