vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: SC

Complaint narrative:
They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/2018 i received notification of a hard pull from a company I have no relations with or authorized to use my information.

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 2018-03-02 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was turned down by banks for car loan because of adverse information supplied by TransUnion. Per instructions from turn down banks, I wrote to TransUnion for a FREE copy of my credit score and credit report as provided by Fair Credit Reporting Act. 

They sent me a credit report with this XXXX sentence, " You did not order a TransUnion credit score. You can purchase your credit score for {$9.00} by calling XXXX. '' It irks me beyond words how these monster companies try to XXXX consumers at every twist and turn! The behavior is criminal, in my opinion!

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Upon purchase of our home we were given a 9.53 % interest rate and were not able to maintain our payments. We fell behind around XX/XX/XXXX and applied for a loan modification. We were recently approved for an increased payment and the same 9.53 % interest rate. Shellpoint services the loan on behalf of XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX - XXXX and stated that the investor will not lower my rate and Shellpoint said if I want to keep my home this is what I need to accept

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and equifax have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect a medical debt without. Legitimate validation. They are sending copies of reports they brought from another collect agency called XXXX XXXX XXXX. This Debt was originally placed on credit reports without proper validation from a different collection agency it was disputed and removed from my credit reports. It is against the law to add back a debt to a credit report when it was already removed. They brought this debt from a different collection agency and still do not have validation and authorization to collect this debt. They are sending me letters every week about this debt and I feel harassed by this company, because they I have reported that they do not have proper validation and they just come up with different summary copies from other collection agencies they brought this debt from. I will be reaching out to an attorney. I am XXXX and has been since XX/XX/2016 and I do not want any more contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: CA

Complaint narrative:
I just checked my current credit report, and I realized I was hit with a HARD inquiry back on XX/XX/2017 by this company : CBC INNOVIS, Mailing address at XXXX XXXX XXXX XXXX, PA XXXX. 

I don't ever recall doing an inquiry of some sort what's so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
My wife and I had a home equity line of credit ( HELOC ) with BECU. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that BECU never informed any of the three credit reporting agencies that the HELOC was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I WAS charged- oner XXXX in fees. My son ( dob XX/XX/XXXX ) was charged over {$1500.00} in fees. their time ordered deposit recognition is a joke- same day? FEES!!!! OMG

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My husband and I took out a joint loan for a XXXX XXXX ' XXXX. After two weeks, I discovered that I was mislead and told false information to get me to purchase the timeshare which is considered illegal. After about 1 year of complaints, and time and money spent on a lawyer, XXXX XXXX agreed to take back there timeshare and stated in a contract that I will not be financially responsible for any late payments or maintenance fees. My husband and I have now disputed our credit file for the past 3 years trying to get our credit file to get this account removed or updated to have the past due payments removed off our account. I am not liable for any past due payments due to the signed agreement, therefore no late payments should have been reported on my account. I never paid this account late, I was told by my lawyer that XXXX XXXX canceled my account so I stopped paying believe everything was settled and complete. But I never received any documents from XXXX XXXX so I finally had to make complaint with BBB against XXXX XXXX, then I finally received a verbal and written letter that our loan and contract was canceled and that we will be no longer be liable for any past due and future obligations. We had to sign and notarize the letter. I have provided several documents of proof to Experian over the past 3 years and I always get the same answer regarding the dispute, file is reporting accurately. But it is not. When you call Experian, you either get a dial tone, someone who doesn't understand or you get transferred and sit on hold for hours. I would like the CFPB to please investigate my dispute with Experian, I just really need help in this matter. Our credit is being destroyed because of this one invalid negative item on our credit files.

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 2018-03-02 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: TN

Complaint narrative:
I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

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 2018-03-02 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed  from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX 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 2018-03-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. 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 non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

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 2018-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CA

Complaint narrative:
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

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 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
- XX/XX/XXXX Purchased two XXXX prepaid card each with {$500.00} value in it at XXXX - Card arrived but they don't work. Can't make purchase any retail or online stores, like XXXX, XXXX, XXXX XXXX and so on. ( The original not-working prepaid card is attached ) - XX/XX/XXXXFirst replacements request. The replacements didn't arrive. 

- XX/XX/XXXX 2nd replacements request. The replacements didn't arrive. 

- XX/XX/XXXX Requested refund, and the agent said that it may take up to 30 business day and two checks of {$500.00} values supposed to be issued by XX/XX/XXXX at latest. The agent name is XXXX and she said she is the only female supervisor there. 

- The missing replacements of the original XXXX prepaid card arrived but already invalidated due to the request of refunds. 

- Never received any checks. 


The ticket number with this issue is TICKET # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I used XXXX connected to my Wells Fargo online application to purchase concert tickets. The first occurance was on XXXX which I was supposed to receive 3 tickets for XXXX. I didnt receive the tickets at all and the guy claimed they were sent to his account but his brother had switched something around so he was unable to receive the funds. His name was XXXX XXXX. He gave me a XXXX account with a different name but I declined to send him more money as Wells Fargo saw that XXXX XXXX XXXX received the {$180.00}. Today I was trying to purchase tickets and was asked to use XXXX to transfer {$100.00} for 2 tickets. I was apprehensive so we agreed that he would send the tickets after I sent him {$50.00} and then once I received the tickets I would send the other {$50.00}. I sent him the {$50.00} and XXXX XXXX  received it. His name was XXXX XXXX. He hasnt responded to any of my calls or texts and wont send the {$50.00} or provide the tickets we agreed on. Wells Fargo, XXXX XXXX XXXX, and XXXX should not use XXXX for its customers as their is no consumer protection. I have filed a police report with the city of XXXX XXXX, Minnesota. I would like Wells Fargo to return my funds immediately, as there are no safeguards in place to prevent more consumer scams just like this. 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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and 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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by Experian, XXXX, and 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 2018-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
We closed on the sale of our home in XXXX TX on XX/XX/XXXX with XXXX XXXX ( phone # ( XXXX ) XXXX-XXXX XXXX XXXX. We were provided a pay-off amount of {$220000.00} by our mortgage company Freedom Mortgage ( phone # XXXX ). XXXX XXXX wired the money requested to Freedom Mortgage on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX received notification from Freedom Mortgage that there was an additional {$2300.00} due as Freedom had never deposited the {$220000.00} check that they had said was due at closing. I am being charged interest through XX/XX/XXXX as well as accrued interest, escrow advanced funds and additional fees. 

I believe that holding this money for almost a month and never contacting me or XXXX XXXX should be illegal as they are basically scamming everyone involved. Freedom had notified XXXX that the check had been deposited despite the fact that it was still sitting on someone's desk.

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