vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with 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 2019-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NV

Complaint narrative:
My wages were garnished to satisfy a debt with XXXX XXXX XXXX a rental agency by Clark County Collection service. When I checked my credit report, they are stating I owe {$60.00} for fees incurred. This feels like a second victimization. I paid the fee. When I contacted the company they stated they were sending out notices for small fees they did not include in the garnishment. I explained that it had been several months since I paid off the garnishment and they were now attempting to collect more debt. This is on my credit report as having been open since XX/XX/2015. I don't understand how they can do this. If the debt was paid, why am I paying additional fees? They also have not billed me or sent any information stating this account has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We sent many documents to this company to work with NationStar/Mr. Cooper on our behalf. Every application was denied. We later found that the information concerning our income was incorrect. But at this time we have submitted an appeal of the decision but we have not heard anything from Mr. Cooper concerning the appeal and the submission of new documents, We have XXXX children and we sincerely need our home. 
Before we contacted XXXX XXXX XXXX we tried to talk to Mr. Cooper they wouldn't talk to us or give us any information. 
They filed foreclosure against us and had an auction date for our home before. 
The XXXX XXXX XXXX told me to file bankruptcy to stop the sale. I thought they were going to file it for me but they told me I had to do it my self. I did file and now we have the appeal submitted and the bankruptcy has been dismissed. We are very nervous that a new auction date will be given to us and we could lose our home. We do have money saved to pay toward a good faith payment if they would only give us another chance. Please help us all you can. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CREDIT UNION ( NFCU ) FAILED : to provide timely lending as they promised & accepted payment for. Their breach in timely service caused the delay in closing of my home purchase, which resulted in my emergency expenses, time demands for coordination, risk of loss of transaction, & risk of loss of earnest money payment. 

NFCU CLAIM : NFCUs untimely realization of the correct address of the property purportedly contributed to their late ordering of the appraisal. Further, the untimely departure of the NFCU employee handling my account may have been a contributing factor in their purported late recognition of the property address. 

NFCU CLAIMED SOURCE OF CONFUSION : NFCU received one courtesy copy of a document detailing my offer to purchase a house, however I did not win the bid to purchase that property. On a future date, I contracted to purchase a house & provided the sales CONTRACT signed by myself & the selling owner of the property. Numerous subsequent documents & emails with the ONLY house I ever contracted to purchase were provided to NFCU. Then I paid NFCU for the appraisal of the house.

COMMUNICATIONS : multiple verifiable emails, receipted document uploads, legally recorded conversations & phone calls completely prove complete notification of the property address.

LOSSES & GRIEVANCES : my losses are more extensive than this form allows for me to elaborate, but briefly, I incurred excess expense due to NFCUs delay : hotels, eating at restaurants, loss of other appliance transactions, loss non-work holiday days to accomplish moving tasks, the closing transaction, & house repairs, unutilized activated utilities, & more.

Multiple written requests for due relief have gone unanswered. Some acknowledged requests have been reported back to me incorrectly on subsequent conversations. I believe I have fully exhausted all direct means of coordinating an offset for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have autopay set up on my account with Capital One credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my Capital One credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay Capital One. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my XXXX account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: U.S. BANCORP
State: CA

Complaint narrative:
BANK XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND US BANK XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. 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 2019-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-01 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/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 2019-06-01 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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 went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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 went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
Starting back in XXXX of last year I started noticing that there were transactions with my card that I did not do so I proceeded to check my wallet and that's when I noticed that it was an old card in my wallet and not my current one someone had changed out cards. When I tried to log into my online account again I was not able to someone had gotten into my account and changed my password and security questions. Since then it has been an ongoing thing from month to month that someone has taken funds out of my account without my approval. i have tried replacing my card several times being charged to expedite it every time to no avail. When I contacted XXXX XXXX about it to report the identity theft they said they would investigate it but always dropped the investigation on grounds that they said it was conflicting issues. They did reimburse me a few times where in return those funds were taken out of my account via IVR Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been reaching out to equifax about inquiries that were fraudulent and i was told multiple times that this would be fixed and that these inquires would be deleted and that has not happen. This has been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On dates listed below XXXX, XXXX and XX/XX/XXXX I disputed charges on my bank account. The amounts were {$110.00}, {$250.00}, {$390.00}, XXXX, and {$32.00}. My bank denied all of my disputes stating they were valid which is a lie. I paid these consumers with other means so its like the consumer has my money twice. I dont have the documentation due to my Mother has XXXX and Im traveling back and forth to help her and so Im basically living out of a suitcase. I explained this over and over to my branch, and over the phone numerous times. I check my account and on XX/XX/XXXX I notice Im in the negative for the following amounts of provisional credit being reversed {$27.00}, XXXX, {$70.00}, {$150.00}, {$220.00}, {$300.00}, and {$450.00}. I get no notice in the mail of why these credits were reversed! Then I received letters in the mail stating that on XX/XX/XXXX my bank was going to reverse the provisional credits they gave me due to my claim being denied. But no explanation of the denial and also I kept getting miscommunication that the fraud department never received my disputes from the branch. Those amounts are as followed ; {$120.00}, {$60.00}, {$200.00}, {$55.00}, {$110.00}, and {$83.00}. This has caused my account to go severely in the negative. I deposited between the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX over {$900.00} back into my account to try to get the account back in the positive. This whole ordeal has caused me mental and emotional distress. And I believe that Im entitled to receiving back at least my {$900.00} that I deposited to try to put the account back in the positive. Pnc Bank has been the worst and the most unprofessional bank I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: AZ

Complaint narrative:
I have autopay set up on my account with XXXX XXXX credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my XXXX XXXX credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay XXXX XXXX. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my chase account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.

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