vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: NV

Complaint narrative:
I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX Bank, XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.

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 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
International money transfer from my account by Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : CFPB From : XXXX XXXX XXXX NMLS MLO # XXXX To Whom it may concern, On XX/XX/XXXX, I was invited to an eight-hour continuing education class for NMLS Federal Laws and Regulations, Ethics, non-traditional mortgage training, and mortgage origination which was to include two hours of CA continuing education, as well. This class was orchestrated and facilitated by loanDepot, Branch Manager, XXXX XXXX XXXX XXXX NMLS # XXXX, ( XXXX ) XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX. The class was held at loanDepots UTC facility at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Approximately 43 loanDepot Mortgage Loan Originators attended and to my knowledge were all credited for the class. The scheduled 8-hour continuing education class commenced approximately at XXXX XXXX and concluded at approximately XXXX XXXX with snacks, some light humor from the moderator with mention of how much better the class was than having to do the actual CE. 

Plain and simple it was NMLS CE fraud. Pursuant to the course I was requested to pay for the course. I refused to pay for the course and went on to complete the courses in the XXXX XXXX   environment which was about 20 hours of material and study. I did receive several communications from the XXXX XXXX XXXX, XXXX XXXX and his assistant XXXX XXXX, of a harassing nature, demanding that I pay for the class. Of course, I did not pay for the course as it did not meet NMLS requirements and refused to expose my NMLS licenses to the loanDepot / XXXX XXXX, XXXX Fraud scheme. 

I bring this to your attention because this rouge and fraudulent behavior by a large mortgage company like loanDepot betrays the public trust we have fought so hard to regain since the mortgage crisis. Lastly, I personally brought this to the attention of loanDepots CEO, XXXX XXXX, The COO, XXXX XXXX, and Human Resources on XX/XX/XXXX. To my knowledge, the 43 MLOs, XXXX XXXX are still working under their ill-gotten license renewals. 

Sincerely, 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 2019-03-15 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 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 XXXX 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 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-03-15 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 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 DDUpon 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 XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX GOLDKEY CRED  XXXX 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 GOLDKEY CRED  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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
When I received my XXXX credit card statement the balance due was {$120.00}. I elected to use my XXXX Rewards of {$130.00} to make the payment for the month of XXXX which was due XX/XX/2019. This should have left a credit of {$5.00}. 

I received my statement for XXXX that showed a credit of {$130.00} posted on XX/XX/2019 which left my account balance of XXXX ( XXXX ) dollars, it also showed a late payment fee of {$25.00}. 

My question is how can there be a late payment fee when the account was reconciled by the due date with a XXXX balance?

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 2019-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
It was brought to my attention that I received XXXX XXXX at XXXX XXXX Hospital on XXXX through a third party called XXXX XXXX XXXX whom sent my account to collections to a company called XXXX XXXX XXXX. I was just advised by the hospital that the XXXX XXXX   brought my balance to a zero balance for all services rendered during my stay at that time. As a result the account on my credit report under account number XXXX was charged off and has a XXXX balance instead of a balance of {$1800.00}.

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 2019-03-15 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/2019 XXXX  came back to me with the infornation from MIDLAND FUNDING HAS VERIFIED the information ... 
Why do I have to notify you that its a VIOLATION of the FDCPA to report a collection with PAST DUE BALANCE ... 
I will attach the report sent from you where you MIDLAND FUNDING has " VERIFIED '' the violation to XXXX.. 
WHY ARE YOU REPORTING A PAST DUE BALANCE IN A COLLECTION? .. THIS IS A VIOLATION OF THR FDCPA AND MUST BE DELETED FROM MY CREDIT REPORT ... 
I am asking to remove for violation MIDLAND FUNDINGXXXX reporting a past due balance is a Violation FDCPA. 
You are gon na see the the before and after the investigation in the report showing the past due balance. 
Also, MIDLAND FUNDING is reporting a 1 month term.. 
XXXX send a letter indicating they will not re-investigate but why should you investigate when I provinding with proof of the report? ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my XXXX XXXX XXXX XXXX XXXX Mastercard account. 

On XX/XX/XXXX, Citibank closed my Citibank XXXX XXXX Visa. 

When calling Citibank customer service, no one could give me any information over the phone and I was instructed to write a letter to Citibank to obtain the reason why they closed my accounts. In addition, I received letters from Citibank stating that I may request a statement for specific reasons for the action taken to close my accounts in writing. Per the letters, upon receipt of my request Citibank stated that they would send me information in writing within 30 days. 

On XXXX, XXXX, I separately sent letters XXXX letters to Citibank requesting information about the XXXX   accounts and on XX/XX/XXXX, I sent a letter requesting information about the XXXX XXXX Visa account. 

After 30 days, I never received a response. 

On XX/XX/XXXX, I send a letter via certified mail requesting this information again and I still have not received any information. Per the U.S. postal tracking system, Citibank received the letters on XX/XX/XXXX. 

My credit score is exceptional and I was never was late or missed any payments. 

Additionally, based on my discussion with Citibank customer service agent, by Citibank closing my account with no logical explanation and without any notice, my XXXX cash rewards funds were forfeited by their unilateral actions. I consider this action to be both unethical and without merit. I have demanded that my XXXX cash rewards amounts in excess of {$1600.00} be remitted to me immediately. I have been using the XXXX card for many years and have never been late on any payment and have paid my balance in full every month. My card and the card in my wifes name was being used for substantially all of our purchases on a daily basis and we use this card almost exclusively to earn this cash rewards rebate..

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 2019-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. 

Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I C SYSTEM INC XXXX 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 I C SYSTEM INC 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 District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was given a trial loan modification for 3 month mortgage payments, after that Caliber Home Loan send me at complete loan modification package to sign and return to them. I did what they asked me to do. However, the package according to them was not received on time. was suppose to be there by XX/XX/2019. But I send on time with a Payment of {$1300.00} Mortgage Payment. I have been talking to them Since XX/XX/2019 if they have received the package they told me NO. You are in foreclosure and your sale date is XX/XX/2019. Pleas help me to find a solution for this situation I am in. 

Caliber Home Loan Loan Number : XXXX Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Diversified Consultants, Inc.
State: NV

Complaint narrative:
On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX profile, it stated that a collection account was added to my credit report and that Diversified Consultants flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.

Company response to consumer: Closed with explanation