vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: MD

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency XXXX delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are wrong personal information showing in my 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 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX Dovenmuehle Inc, fraudulently extorting me for additional monies, first they stated my real estate tax dobled ( not the fact ), after 7 months of XXXX they stated that my monthly payments on fixed mortgage increased as my home insurance is {$13.00} per year.I am not required ubdwr XXXX XXXX to carry insurance as my LTV is at 54 %.

Ongoing phone calls harrassement, intimidation, yelling at myself, etc, letters of imminent foreclosure and extortion for money they tried to defrauding me of.

Continue to the present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: DISCOVER BANK
State: NV

Complaint narrative:
My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I was originally financed through Ally Financial. I was offered a loan through XXXX XXXX to refinance the vehicle. XXXX XXXX paid Ally on XX/XX/XXXX. I received documentation from Ally my lease was paid off and my title was released and also sent me a refund for my Gap warranty. XXXX XXXX originally assured me that my Gap warranty would still be in play but when i called they said no it wouldn't so i then said i don't want to continue with them. XXXX XXXX had me call Ally on XX/XX/XXXX and again on XX/XX/XXXX to ask them to return the funds. I was then told on XX/XX/XXXX by Ally that XXXX XXXX reversed the check which is impossible. Ally also opened my account back up from the original date XXXX XXXX refinanced, therefor making me have 2 open loans on the same car and also put me delinquent on my account. I then spoke with Ally on XX/XX/XXXX asking why they opened my account back up on that date and i was told if i don't make a partial payment they would be reporting me to credit agency even though they still had the money from XXXX XXXX. I made a partial payment of {$170.00}. XXXX   XXXX in the meantime also has an open account still because they have not received their funds. I called XXXX XXXX and asked why they still had my account open and they said they would not release my title until Ally releases their funds. So i called Ally and they said they would not release the funds until XXXX XXXX released the title. So i'm at a stand still. I called Ally and said i have no choice but to stay with XXXX XXXX because you have the funds and they have the title. They said they would close my account and also refund me the money i applied towards the loan. The next day Ally called me and said they don't have any money from XXXX XXXX that the check was reversed which isn't possible so i called XXXX XXXX and they said no that they never reversed a check and that they went ahead and sent the title to Ally to help with this process. But Ally is still saying they have no funds and that they also don't have my title even though it was shipped XXXX and was signed for on XX/XX/XXXX. I can not get correct correspondence from Ally and now they are reporting me to the credit agencies as late.

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 2019-12-18 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear CFPB I check my account twice a day, in the morning and evening. On Monday XX/XX/XXXX I did have my daughter 's recital and picked up her dress and admittenlty failed to check my account. The {$75.00} overdrew my account less than {$20.00} I immediately deposited XXXX to take the account out of negative but expected a {$35.00} charge. Instead the bank charged me {$70.00}, and then another {$35.00} for a total fee of {$100.00}. They allege my account was negative by a XXXX then there were other fees. That mornng my account was not negative nor was it negative the weekend before. The bank is manipulating transactions so they result in the maximum fee to the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are wrong personal information showing in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
i completed the same process with your company but did not receive any informations from XXXX the debt was reporting to the credit bureau on XX/XX/2019 for the amount of $ {$1700.00} from XXXX XXXX, collection office is Enhanced Recovery company XXXX XXXX XXXX FL XXXX Phone XXXX I have been with XXXX XXXX for the past 10-15 years, i never open any account with XXXX or any other phone company. i am not sure want else i should do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer

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 2019-12-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My XXXX home equity loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call me all day every day sometimes before XXXX. They use phone numbers with prefixes from all over the country. They never want to identify who or why they are calling unless I give my name..they could at least tell me it's Portfolio. The debt is over 10 years old and they say things like they WONT take me to court if I make arrangements. It is my understanding that they are unable to sue me for a debt that old. Furthermore, the original debt was less than {$700.00}. They said they will report to credit bureau but not sure if they have recently but isn't that a violation on a debt that is 10 years old?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: CO

Complaint narrative:
I attended XXXX College in XXXX CO, from XX/XX/XXXX-XX/XX/XXXX,  I was unable to get my certificate and my friends and I found out that they were scamming people and the school closed. I am in debt over a school that wasn't real, where my certificate don't work and I can't use it anywhere.

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 2019-12-18 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: MD

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-18 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: MD

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
LOAN NO.XXXX Gentlemen, On XX/XX/2019 I applied for a Title loan from XXXX, I was approved on XX/XX/XXXX and ever sense I have been trying to set up my account on line to be able to check my information and most important, to be able to make my payments and have not been able to do so. I have repeatedly contacted XXXX  over the last three weeks, have spoken with several customer service reps, I have been given via email several passwords and to no avail I still can not access my account An hour ago I spoke with a " Supervisor '' by the name of XXXX XXXX who had no clue and did not have a solution to my problem, I asked her to switch me over to the IT department and she told me the speak to no one, then I suggested we did a three way call and she also refused to do so. After 20 minutes of getting no where with her she told me to contact their compliance department and that was the end of the conversation. 

I HAVE NEVER HAD SUCH BAD EXPERIENCE WITH A FINANCIAL INSTITUTION IN MY LIFE AND DEEPLY REGRET HAVING GONE OUT OF STATE TO GET A LOAN. 

Having said this I would appreciate that your agency expeditiously act on this complain and have this someone in this IT department for this company to contact me in order to resolve this issue once and for all. 

Sincerely angry XXXX XXXX Tel XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 a TD bank visa credit card was opened in my name fraudulently for somewhere around {$5000.00} dollars, note, i found this out about seven months later when i was going to buy a new used car ( the salesman found this td bank unpaid loan on my  credit report ) i never got mail with a bill or anything at all.if i didnt go to buy this car i never would have known.i contacted XXXX which i already had and they told me to contact XXXX and after several disputes they cleared me and restored my credit.so i let it go thinking all was ok.then i started getting calls from XXXX   XXXX to who i didnt respond due to advice from different people. ( maybe wrong advise ) anyway i called td bank fraud department about a week ago gave the person some info and this story and she said she would stop the calls, to this day the calls are still coming.with advice from XXXX i printed a report from XXXX  and found attempts by someone trying to do it again but i froze my account and they couldn't do it.i always had great credit till td bank came along. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Transunion don't want to fix inaccurate accounts on my report. How can Transunion verify these inaccurate accounts? ( 1 ). Did you talk to the court and if you did who did you talk with at the court? ( 2 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 3 ). Can you provide me with the contact number and name of the person you talked to? Transunion told me that they use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference : XXXX and XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference Number : XXXX I'm waiting for your response.

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 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.

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 2019-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Tried to resolve with Fed Loan with 8 phone calls and two letters sent. 
Phone complaint ID # XXXX XX/XX/XXXX Complaint ID # XXXX XX/XX/XXXX Complaint No ID # I have received a statement that I am {$14000.00} behind in my payments. This is not true. 
I have in good faith made monthly payments of {$330.00} every month for the last two years. I am on an income repayment plan for the last three years. I have sent in the paperwork each year via mail in XX/XX/XXXX & XX/XX/XXXX in XX/XX/XXXX. In XX/XX/XXXX my salary increased and I was able to fill out the income repayment application online. I have a bank statement that shows payments each month in from XX/XX/XXXX to XX/XX/XXXX each month in the years of XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. In the last year, my salary has increased so my income repayment monthly payment have increased to {$490.00}. I have called the FedLoan number to protest this bill of {$14000.00} There has to be some type of appeal process. I sent in the paperwork, I made every payment. 
I have been working at a XXXX XXXX for eight years. I am also on the public service loan forgiveness program. I made faithful payments for all of XX/XX/XXXX and now I am told that the payments do not count at all - that my default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-18 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation