vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

TransUnion reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.

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 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.

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 2019-07-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank XXXX Mastercard was opened as a no interest balance transfer for 18 months. We never used the card. The cards were never activated. 

XX/XX/2019- We missed a payment by accident due to a death in the family, bill was paid immediately upon being notified. Got irate with Citibank as they called our house harassing us multiple times in one day. 

XX/XX/2019- Paid off the balance of {$5200.00} in full from my own banks ( XXXX ) bill payment system. I never received another statement or any notification after this payment! 

XX/XX/2019- Received a letter from them stating they would no longer contact us for collections via phone. 

XX/XX/2019 - Received an email that my account was past due and now at a balance of {$140.00} I created log in information on their website to find out what balance they were referring to. I then contacted them regarding the {$140.00} and spoke with 4 separate people who I had to re-tell the story to each time. I offered to pay the original residual interest from the XX/XX/2019 statement of {$67.00}. They only offered to remove {$39.00} and refused to help any further. They stated that I signed up for e-statements, which I did not. They argued that the only way for me to receive e-statements was for me to go online and do so myself, which I did not. As of today, XX/XX/2019, I made a payment for the original residual interest of {$67.00} and feel the remaining {$80.00} in late fees and interest should be their problem as I was never notified of statements due XX/XX/19, XX/XX/19, and only notified now regarding bill due XX/XX/19 via email.

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 2019-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
A payoff was requested from Carrington Mortgage Services apprx two weeks ago by XXXX XXXX XXXX XXXX XXXX XXXX to close on a refinance and Carrington has NOT and continues to refuse to supply the legitimately requested information which is having a NEGATIVE impact on the refinancing of the VA loan to a lower interest rate, additionally Carrington was given an opportunity to offer a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
I asked for an investigation on derogatory accounts in collections on my TransUnion credit report from a company called XXXX  XXXX XXXX and original creditor name is XXXX XXXX XXXXS. This company continues to say that I owe them money when I do not. I did my own investigation and they have no signature from me, no Identification, nothing all they have is my name they didn't even know my address. TransUnion removes and then this company instantly puts back another bill with another amount and it's been going back and forth for months and I can not get a decent investigation from TransUnion all they say is " this was investigated and is accurate '' yet I asked for the details of the investigation and 60 days has now passed and I received just a letter from them saying my rights and nothing on the details of the investigation. Please help me remove and block this company from harrasing me on my credit report. 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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In XX/XX/XXXX my wife and I filed for XXXX XXXX bankruptcy with XXXX XXXX XXXX and XXXX  in XXXX, Ga. XXXX XXXX XXXX Our lawyer, Ms. XXXX informed us at the time that her office would send out notices to all the companies we owed money to. Ms. XXXX told us further that if a company did not respond to her queries they would NOT be included in the final payment plan set up by the attorneys. We got our bankruptcy cleared out by XX/XX/XXXXand we thought the issue was resolved. 
I began getting harassing phone calls on my mobile phone from a company called XXXX XXXX in XX/XX/XXXX stating that I owed money to Barclays credit card company. At first, they wanted to settle my debt by my paying a small percentage of it with my debit card. I declined to pay because the debt was supposed to included in my XX/XX/XXXX bankruptcy.I informed them of the facts and referred the callers to Ms. XXXX. They persisted in calling and I blocked several cell phone numbers from my mobile.I was told by XXXX staff on more than one occasion that I had XXXX legal charges against me related to this debt.I have yet to receive any notifications by mail or otherwise concerning my alleged credit problem. The latest phone number I have for XXXX Services is XXXX. I saved on my mobile phone the some of the messages that were left for me. I will provide documentation of the phone calls if necessary.

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sold my home secured by a mortgage that Chase was servicing on XX/XX/2019. After about 10 days I looked up my mortgage and discovered that it had not been paid off. The title company investigated and Chase mortgage eventually admitted that they got the payoff XXXX  with a cover letter but it had no check in the package. 

As a result of this, my payoff was delayed and the title company had to issue a new remittance with a XX/XX/XXXX payoff date as required by Chase. This error cost me about {$420.00} in interest plus a {$50.00} late fee. 

The loan is now paid off but I asked Chase to explain to me why they did not call me or the title company so the problem could have been fixed on XX/XX/XXXX when the XXXX  was received. Their response was basically we do not do this and tough luck for you. 

I am complaining about the failure to notify me when they supposedly received a payoff letter with no check and the terrible service level that cost me a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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.

Complaint narrative:
TransUnion incorrectly reports a derogative mark about {$78.00} debt from XXXX sent to collection agency since XX/XX/XXXX. As I no longer live in the XXXX since XX/XX/XXXX, I have no means to request credit report or derogative mark details or contact TriansUnion to start a dispute

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm trying to get a copy of my equifax report and they can not and will not give it to me without sending a written letter ... they validated my identity but still tried to get me to go to a service for monitoring to get my free report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage got sold to new company. Mr. Cooper. My payment is due on the XXXX  and like always not late after the XXXX of the month. Yet this new mortgage company calls me once or twice a day everyday starting on the first of the month until I make the payment even though it is not even late yet! I am just and tired them harassing my cell phone. Told them numerous times that what they are doing is XXXX, I am not late stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.

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 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent an email giving transfer information into my bank at Chase.com someone intercepted the message .... changed my email by adding an s to the end of it. my correct email is XXXX scam email was XXXX. added s to end they sent the email below to my recipient and then tried to change the bank info and account info. 

My team was smart enough not to do the transaction without contacting me. BUT THIS WAS OVER a {$100000.00} transfer!!!! 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : FW :  One wire was returned XXXX, Sorry i did not inform you earlier XXXX XXXX and myself had a joint account and there has been projects going on which funds will be needed in the provided account. 



I just talked to XXXX, He informed my name should be able to receive funds but due to the bank delay with upgrade XXXX XXXX has to be the account name. Currently i am not at the best place to be reached, But i will do all i can tomorrow to confirm this, If i cant i will send an email. 



Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX sold my mortgage to Select Portfolio Servicing. Select Portfolio Servicing is not allowing me to refinance my mortgage with XXXX XXXX XXXX. I gave XXXX XXXX XXXX access to my Select Portfolio Servicing account in XXXX and Select Portfolio Servicing has been claiming they can not find my Finalizing Loan File for over 3 months. Select Portfolio Servicing is also planning on charging me a reconveyance fee of an unknown amount even though I got my mortgage through XXXX XXXX. I want to refinance my mortgage with XXXX XXXX XXXX because of the superior rate they've offered me. Select Portfolio Servicing has me at 3.875 % on a Conventional 30-year and XXXX XXXX offered me {$3.00} meaning I've missed out on thousands of dollars of savings while Select Portfolio Servicing doesn't provide the Finalizing Loan File.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: KS

Complaint narrative:
Received collections letter from Receivable Mgmt Group regarding alleged medical debt. Asked company to verify / substantiate debt, have not received any  proof that the debt is mine. Ask to have debt removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I have a letter from Ditech Financial, LLC settling my mobile home mortgage loan for {$15000.00}. I mailed them a good check for {$15000.00} to pay my account in full. They have posted that {$15000.00} payment as a regular payment and no one at Ditech seems to know whats going on with anything EVER and could care less about fixing the issue. They have given me a deadline of XX/XX/2019 per the letter to pay this account in full for {$15000.00} which I sent to them. I need some help forcing Ditech Financial to adhere to their end of this bargain and agreement dated XX/XX/2019. Can you please help me?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
There is a collection placed on my credit XX/XX/2019 for a account i have never had or heard of for XXXX cable. They FRAUD collection company that placed it on my credit reports is claiming its from XX/XX/2019. I havent used comcast in 10 years and dont owe a debt. This is not my account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
so 2 months ago today i called the creditor of this credit line and asked why when I make payments, my balance doesn't go down, ive been making consistent payments for 2 years never been late, yet my balance seems to not decrease. I am waiting for supervisor call back is been 2 months.. This is the second credit card I have a with new Upcoming credit card people and am noticing this is a pattern between these companies as they are both doing the same thing. I am not going to pay another dollar until we get this resolve. I am submitting reports everywhere that will accept one for these thieves.. I NEED ANSWERS ASAP. Continental FIN CO you have no consent to sell my account to anyone as this needs to be resolve by the original creditor. My history of payments reserve the right as Ive been treating this account responsibly and making payments. never had any issues until this caught my interest and decided to address it. My account has been closed, I have no access any more, and has been also hit with fees as if in retaliation, thats the current status. I need a president type of rep to give me a call and resolve this matter expeditiously. until then I will be submitting reports everywhere and see where else this will lead. I will retain a lawyer for this matter, if this is not dealt with correctly. I don't deserve this treatment. taking more than expected through auto pay 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
Consumer complaint received 2019-07-16 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: NY

Complaint narrative:
On XX/XX/2019 I mailed a certified letter to Transunion disputing a number of unverified items accounts listed on my credit report. I received notice that Transunion received this letter on XX/XX/2019. Transunion responded to my dispute on XX/XX/2019 to all the accounts listed, but failed to provide a result on the XXXX XXXX account. It is now XX/XX/2019 and I have not received a response regarding the investigation of the 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 non-monetary relief
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
XXXX  reporter a debt that is not mine. I never lived at the property reported during the time reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: LA

Complaint narrative:
XXXX reporter a debt that is not mine. I never lived at the property reported during the time 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 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization. 

Commenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me. 

Yesterday, XX/XX/2019, at XXXX XXXX  they began harassing my relatives. Specifically, " XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my " debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior. 

This was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe. 

Pursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. " They were opened on line '' is not valid. I did NOT consent to opening " online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation