vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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.
State: NJ

Complaint narrative:
Hello I never applied for any of these accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, these 5 accounts I never applied for these I was XXXX I left my car with my daughter and she was paying my car on time. please delete my lates and remove these accounts please its not mines. Please I promise you. My attorney gave me this site to help me. XXXX bless

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 2019-05-16 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: GA

Complaint narrative:
I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEP ED, DPT EDXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXX XXXX. INQUIRIES : 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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, 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 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage account was with XXXX. It got transferred to Loancare because XXXX filed for bankruptcy. With XXXX, I had enrolled for direct withdrawal of monthly mortgage from my bank account. 

Loancare sent a letter detailing the new account number. The letter also had payment vouchers asking me to make the next mortgage payment along with the payment vouchers. I assumed my bank details are not transferred from XXXX to Loancare and hence they are asking me to send payment along with the voucher. 

After the above payment was made and credited to my mortgage account, Loancare sent me another letter saying that my morgage payment will be withdrawn from my bank. Apparently my bank details were transferred from XXXX to Loancare. I have tried calling Loancare customer service couple of times. After waiting for an hour on line, I gave up both the times. In the meantime, my bank account was debited for 2nd payment this month. I have sent them email ( including to C level executives ) requesting that refund of the 2nd payment because I need it to pay my other bills for the month. There is absolutely no 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 2019-05-16 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.
State: GA

Complaint narrative:
I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. I have contacted FTC and the police. I'm doing this on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, 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 XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. INQUIRIES : 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 XXXX XXXX, XXXX & XXXX XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I pulled my credit report and noticed Paramount Recovery on my reports. I called them on XX/XX/XXXX to find out more about the account. I spoke to XXXX she stated the account they were collecting on was for XXXX XXXX for {$460.00} for service on XX/XX/XXXX. I advised her per my Explanation of benefits ( eob ) I did not owe for anything and I had never received anything from them about this. She told me she could not send anything because the 30 days to dispute the account was over. I told her I had no knowledge of the account. I asked her who was XXXX and she could not tell me all she told me was that it was from services at XXXX XXXX XXXX. I asked her could I call them to which she told me no that they would not know about it. I asked her how could I get in touch with XXXX and she told me she didn't know how. Upon calling XXXX only pulled up my account by my name she never asked my social or dob to confirm it was me only my address. 

XX/XX/XXXX I called and XXXX took my call. I explained to XXXX that I spoke to XXXX yesterday and wanted to speak with a manager because she was not able to give me any information. He confirmed me by my ss dob and address. He then told me there 3 accounts for me. 1 being my minor child and 2 for my adult child. I explained to him that my adult childs account should not come up under my social. He wanted to tell me maybe because she was in my care and I told him no she is an adult and they have my social linked her account and that is wrong. He told me he would get me a supervisor. He blind transfers me and the phone rings several times then a voicemail comes on. 

I call right back a second time and I get XXXX again. I told him who I was and I asked him what happened and I could hear him laughing and someone saying " I told you '' in the background. XXXX then proceeds to collect on the account asking me how I wanted to resolve the account. I told him I didn't because they have not proved to me it was mines and I wanted a manager. He also tried to tell me that he could not talk to me about my adult childs accounts. I told him I didn't ask him to. I also pointed out the fact that he mention the accounts to me tells me they are under my social which they should not be. He transferred me again to the voicemail. 

I called back and I spoke to XXXX XXXX and told her she was my 3rd call in less than 10 minutes. Explained the issue, what happened with XXXX and that I needed a manager. She told me that the manager was at her desk and she would transfer me. A different lady answered and asked did I need a manager I said yes she transferred me to the same voicemail

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 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX started to receive emails from Carrington Mortgage to Refinance my mortgage with them. I declined. On XX/XX/XXXX I received 2 more emails and a phone call. Declined both requested for them to stop. On XX/XX/XXXX received 3 more emails. Requested them to stop. On XX/XX/XXXX they started calling random family members of mine that are not on any of my mortgage documentation to get to me. Requested them to stop again. 
This has been a nightmare of harassment to me and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
my fed loan servicing account have always been in good standing because Ive had it on either burden forbearance or deferment since I finished school while I am attempting to find employment yet in 2016 prior to the deferment expiring I submitted and called and was assured fed loan received my renewal for debt burden forbearance/deferment but months later I noticed my credit report shows I was late in 2016 XXXX, XXXX and XXXX which I wasnt Ive never made a payment yet Ive always kept my account in good standing by filing the necessary documents to keep it in deferment Ive tried several time to fix this directly with the creditor FED LOAN SERVICING. My account says it all years Ill kept it in good standing with either burden forbearance or deferment theres no reason for me to let it go in bad standing especially if Ive never made a payment which thats the only reason someone account will become in bad standing logically not for not submitting free documents to keep account in good standing I WOULD LIKE THESE LATE PAYMENTS WHICH WERE REPORTED TO THE CREDIT BUREAUS DELETED AND CORRECTED AS NEVER LATE BECAUSE ITS THE TRUTH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
I received a prepaid debit card in the mail from Square Inc. 
I never applied for or ordered this prepaid debit card account. 
I attempted to contact Square Inc. to inquire on how this account was opened under my name and they do not have a phone number where I can speak with a live person about my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
I inherited my family home of over 30 years once my mother passed away in XX/XX/XXXX via family trust. I was not only successor trustee but solo benificary of her trust. For the past 7 years I've maintained the property with no problem. I recently fell on a financial hardship which caused me to fall behind on the mortgage. In the past when this has happened I was able to simply contact the lender and workout a payment arrangement with no problem. My loan was recently sold to a new servicing company, however I didn't think anything of it. I reached out to them to request a 6 month re payment plan and provided all documentation required back in XX/XX/XXXX. Every time I would request a status they would ask that I provide them with more documentation. This delay was extensive causing me to fall further behind. To date I'm behind {$14000.00}. I recently contacted them on XXXX   XX/XX/XXXX and the representative stated the borrower is dead and hung up in my face. I tried to explain that yes the initial borrow ie my mother has passed away something that has been in my file since XXXX, however I'm not deceased. The representative still hung up in my face as I requested to speak with a manager. Since I've placed several phone calls with no resolve and even faxed over a letter where I included a copy of our family trust. The property is recorded in my name so they are well aware it's mine. To date I've still not heard back. My property is worth a lot of money and I feel this company is trying to force me to lose my family home of 30 years. At this point I have the monies to pay the back and current mortgage payments, however they still will not contact me or speak with me. They have also blocked online access so I'm not able to go online to pay and bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, DEPTEDXXXX, XXXX XXXX XXXX, US DEP ED, DPT ED/XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX XXXX. INQUIRIES : 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 XXXX/XXXX XXXX, XXXX & XXXX/XXXX XXXX, XXXX XXXX, XXXX, 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 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: LA

Complaint narrative:
Contacted Lending USA in regards to other loan products and was told by two different reps that I qualified for a second personal loan. I then went online and was pre-approved. Once called by another rep of Lending USA, I was told that I did not qualify for a second loan and could only be approved for a loan to pay a merchant. I then called Lending USA back and asked to speak to a supervisor. I was told to expect a phone call from a manger by Monday, XX/XX/19. As of XX/XX/19, no one has called me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Acceptance Corp. of South Carolina
State: TX

Complaint narrative:
I filed for bankruptcy XX/XX/XXXX and it was discharged on XX/XX/XXXX. I am showing under XXXX an auto account for American Credit Acceptance  showing 30 days late on an account that should show closed. This is affecting my credit score and should reflect as a closed account. Please see copy of information from my XXXX XXXX report. I will be reaching out to the creditors and filling a dispute with XXXX XXXX as well. I am asking that this mistake be correct immediately American Credit Acceptance Act. # XXXX*********** 30 Days Late XX/XX/XXXX Opened {$14000.00} High Balance {$0.00} Balance Individual Account Vehicle Loan Account Type Closed Condition XX/XX/XXXX Date Reported {$430.00}

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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I opened a checking account with BB & T on XX/XX/19, followed the step which is two monthly direct deposit of {$100.00}. the fine print said to have two monthly direct deposit of {$100.00} within 75 days upon account opening a {$200.00} bonus will be deposited to the account after 75 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.

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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
This was a work related XXXX/XXXX  ..Our hr lady refused to put this in as s that .Im not responsible for a XXXX that came from my work.She wanted me to lie, i refused to so 5 days after XXXX she sent me a email telling me she didn't simit my paperwork..i went 4 months with no money, and now this place is trying to get something out of me im not responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was in a apartment complex ( XXXX XXXX  XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me. 

National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a credit card through Chase Bank. I have three different balances on the card each with their own interest rates. I made the minimum payment and then made two other payments hoping they would go towards the balance with the highest interest rate ( cash advance ). It did not. When I called i asked them about this and they said that is not how their system works. I was told that The Credit Card Accountability, Responsibility and Disclosure Act of 2009 would force credit card companies to apply excess payments that blling cycle to the balance with the highest interest rate first. Can you please help me with this issue or am I misunderstanding how the process works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CA

Complaint narrative:
an auto loan is reporting under my equifax credit reporting agency, this is an inaccurate information, this does not belong to me, l please help me in this situation, since i have already obtained a police report, and the FTC report, i have been providing these documents to equifax for several times but they have not been helpful at all. as a consumer i am turning my wheels towards you and i need your help, please find attached the same documents and you will see for yourselves thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I get behind on my payments due to lack of work and repairing the vehicle. I already paid the initial price for the car, {$16000.00}, and Exeter finance always call and harrass me..they disrespects me and threatened me to take my car ... interest rate is high and they won't refinance my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and 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 2019-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello, I purchased items at Home Depot on XX/XX/XXXX paid through Homedepot credit card ( citi bank ) my husband brought items back to store for return on XX/XX/XXXX due to wrong items. Store clerk and manager declined the return because " items were already returned '' they said. Based on what store manager told me and I called to check with the Citi bank that I still have not see the credit back to my account for returned items.

Citi bank did not sound to help me resolve this problem.

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 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: KS

Complaint narrative:
no knowledge of this debt ftc volation

Company response to consumer: Closed with explanation