vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
From XX/XX/2008 until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX  had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which first premier never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about 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 2019-09-18 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: EQUIFAX, INC.
State: KS

Complaint narrative:
From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
First I would like to thank you for your time. On XX/XX/19 @ XXXX XXXX  I sent my friend some money through cash app. {$190.00} dollars to be exact. She couldn't access her old account due to getting a new number. She tried making a new name and getting it through a different cash app. Cash app has no number to where you can contact them. She emailed them, they emailed her back telling her how she could access the account, that still didn't work. I then emailed them and told them what happened. They didn't contact me until the next day. They gave us all these resolutions that would supposedly help us get the money back, but none of them worked. My sister was the one who sent the money, so I told her to dispute it with her bank. She then said her bank told her to go through cash app and see if she could get the money back. She also reached out to cash app and they told her I should contact them. In the mean time the then told me that it was sent back to my account. But I had made a new name as well. They said the money was sent back and to make sure my bank accounts were linked. my bank accounts have always been linked and so has my friends. To sum it all up, I haven't heard back from cash app and I have been emailing them since the day started. It is now XX/XX/19 and I have yet to hear from them or receive my money. please help me out anyway that you can because this is unacceptable. Thank you very much, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: Nelnet, Inc.
State: MN

Complaint narrative:
This account has been removed and has now reappeared on my credit report. This case has been more the 10 years This student loan company has reported multiple student loan and amounts that I never recieved. The school has been shut down due to fraudulent activities. Nelnet has continually reported increasing interest and shown multiple loans and amounts on my XXXX and my XXXX credit report. while my case is a part of a lawsuit against the school that is in pending to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Suntrust Bank has a partial payments section on their monthly statement. Months ago my section was blank zero . then payments were taking thousands of dollars off but not paying off the Principal. Then XX/XX/XXXX Balance was {$6300.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$3800.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$1200.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. Now XXXX Balance was {$930.00} with {$3500.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}, that's 6 payments. When I called to ask questions, they explained they were waiting for me to tell them what to do with suspense account. So I asked to pay off the account. I was told she can give me a payoff for tomorrow 's date. I told her you have my money. I said never mind I will go to the branch and pay it off right now. She told me you can't do that you have to wire the payoff. I asked for her supervisor. ( at this time I was pretty upset, no agree, so I hung up the phone and drove to a Suntrust branch. was met by a personal banker and began the process all over again. After a time on the phone with the mortgage people, she was able to explain and get a better understanding of what was going on? She was very helpful. At the end MY HOME IS PAID IN FULL. Plus a check to me for {$6100.00} So my concern is my Mortgage could of been paid off 5, 6 months ago? With paying interest? and lowering principal and what ever they want? So if holding my money in a suspense account allows them to extend the loan and me paying interest on that money does not seem like right/correct banking practices. Plus I can not be the only one Suntrust is doing this too. How many thousands, millions of others are they holding 4, 5 thousand dollars.????????

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I was a loyal consumer of XXXX XXXX for over 15 years. Whenever I called to speak to someone I and it seemed the customer support person as well were having language difficulties. The worst was that they would put other peoples charges on my bill and when Id catch them I would call to have them removed. I got tired of this and decided to try XXXX in XXXX. XXXX paid {$250.00} for the switch which I paid to XXXX. I have never received a call or a bill from XXXX after I paid the {$250.00}. I had my credit report pulled recently and XXXX has reported that I owe them {$140.00} through Diversified Consultants. I had never received any notification from this company about this alleged debt. I called XXXX to attempt to get an explanation of the {$140.00} they say is owed. The Customer Service Rep kept asking me what was the passcode to the question what was the name of the block I grew up on and I told them, but the system would not let him in. He said that the account its either too old or my password is incorrect. Well my passcode is correct I had it for 15 years and I have grown up on only one street and I did not forget that fact. I was transferred to everyone. No one could open this account to tell me why I owe this money. I was eventually told that I the XXXX   stores would be able to open the account but they could not. I went to the XXXX store and they had the same problem and called someone to help and I was told that the account is closed and too old to open. If that is the case, then why would I owe them any money. I have the right to know why I have a bill. I left XXXX owning my phone and so did my son. So we only had bills that was owed and we were not under contract but with only one phone which was my husbands phone that I believe he didn't own. But the {$250.00} pay off should have paid for the phone.. I spoke to XXXX and they said that they would consider paying the debt if it had to do with a contract issue but would need the break down from XXXX. But - XXXX can not open the account to give an explanation. I should not be in debt to anyone who can not prove what it is that is owed. I am looking for them to remove their debt report from XXXX, XXXX, XXXX   and any other agency they reported this to. This was placed on my report XX/XX/XXXX by Diversified Consultants XXXX XXXX XXXX XXXX Fl XXXX - to be removed from my report XX/XX/XXXX. 5 years for {$140.00} is a long time. But I still have the right to know why I owe this money and no one can tell me. 

XXXX XXXX XXXX I am afraid that because it has taking me so long to get any information, that tmobile won't pay since they are now in the process of merging with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have never had any type of account with XXXX XXXX. I have told both the collections company and them repeatedly. I was a victim of identity theft.

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 2019-09-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/2019, I sent Experian a request to delete an inaccurate account on my credit report. I sent screenshots showing that is reporting differently to each of the 3 bureaus. In XX/XX/2019, they sent back a response that they updated the account. However, the account was still reporting differently than the other bureaus. 

In XX/XX/2019, I sent another letter, again with screenshots included of the inaccurate reporting. In XX/XX/2019, they sent another response again saying that the account was updated. My frustration is as follows : 1. How is each bureau properly investigating if they are all reporting differently?

2. How can Experian report that I was 60 days past due, but the prior month, I have a payment status of " OK ''. How can I be 60 days past due when I wasn't 30 days past due the month prior.

3. How can an account be charged off if is not 180 days past due? The 2 months prior to the charge off status, Experian is reporting " OK '' for payment status.

4. Why do they have no data for XX/XX/2019?

5. In the account history, the Actual payment for XX/XX/2019 shows {$100.00}, but they are reporting my recent payment as {$40.00}. 

6. My high balance was never {$740.00} There are several things wrong with the reporting of this account and Experian not only failed to do a proper investigation, but also violated my rights by not deleting this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MO

Complaint narrative:
On XX/XX/2019 we applied for a loan modification with Selene Finance. The document stated that all documents needed to be in by XX/XX/2019. A complete package was in on XX/XX/2019 and was sent to underwriting. On XX/XX/2019 loan modification was denied because a down payment of {$15000.00} was needed. We appealed and on XX/XX/2019 Selene Finance called and said it was approved but no letter would be sent out until the {$15.00}, XXXX was paid. Selene Finance sent a foreclosure letter on XX/XX/2019 and the sale was XX/XX/2019. The sale was postponed until XX/XX/2019. We were in Chapter XXXX and the case was dismissed on XX/XX/2019. The attorney for the buyer of the property wrote a letter stating that the sale was XX/XX/2019. The borrower was given a breach letter on XX/XX/2019 for {$82000.00} and changed the amount to {$110000.00} on the date of the sale. They charged {$24000.00} in interest for 10 days. 
An appeal was filed within the 14 days allowed for a bankruptcy appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX report show cc to syncb/bp ... I complained to them and they said it is my account and I should call BP MYSELF XXXX..called them on XXXX and they do not have an account in my name and would send a letter to XXXX to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX again I always pay over the amount do on all my cards ... .this is not mine..XXXX   confirmation XXXX ... BP said it would be corrected within 30 days..well 30 days is up and it is still showing up on 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 non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I completed a consent form for XXXX to conduct a background check. On XX/XX/2019 I received an email from Faye Servicing HR representative, XXXX XXXX that said the following, " Hi XXXX, sorry for the delay I had to confirmed a couple of things. Unfortunately we will not be moving forward due to some of the results in your background check. 

You will be receiving an email from XXXX in regards to our decision, a copy of your report and some options available to you as well. 

As of today I still have not received the report or had an opportunity to review what was reported about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NJ

Complaint narrative:
Equifax report show cc to XXXX/XXXX ... I complained to them and they said it is my account and I should call XXXX MYSELF XXXX..called them on XX/XX/XXXX and they do not have an account in my name and would send a letter to Equifax to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX.. again I always pay over the amount do on all my cards ... .this is not mine..Equifax confirmation XXXX ... XXXX said it would be corrected within 30 days..well 30 days is up and it is still showing up on Equifax report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Solutions Group, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted a written notice to the debt collector informing them to stop contact with me. The contact has been extremely harassing, and unwelcomed. This debt collector has repeatedly used the phone to annoy me. This debt collector has informed she would hang up while I was speaking, and she did just that. Anytime an individual hangs up the telephone abruptly, ( as this debt collector did ) obviously the conversation is not welcoming, but instead extremely negative. 



Background Information : I suffered a house fire in XXXX, and the company they represent for the debt has not returned my personal belongings they removed from the property during a time I trusted them to clean up fire related damages. The personal belongings removed from the house were not fire-related, neither damaged by the house fire and to date has yet to be returned, or paid for. The company this debt collector represents is XXXX XXXX. 

Despite talking to this debt collector in the past, to date I have not received any written validation notice showing how much money I allegedly owe, the name of this creditor ( provided verbally but not in writing ), and instructions on what to do. Especially since I informed the debt collector that I dispute the debt. 

This debt collector informed she spoke with my insurance company, XXXX XXXX, and XXXX informed her that I received a check with a specific amount of over {$6000.00} dollars. I did not give permission for this debt collector to contact my insurance company for any reason. In fact, the last time I communicated with this debt collector, she informed me she would communicate with their client XXXX XXXX as a follow-up to the information I provided. I believe this debt collector violated the law by discussing information related to the debt with anyone other than myself, as my husband is deceased. 

The information this debt collector informed she collected was not to find my address, nor home phone number, nor where I work, but she collected information on my house fire claim damage payments and checks. I believe this conduct is a violation of the law. I did not give permission, neither was the permission requested by the debt collector to contact my insurance company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a charge on my Capital One Credit Card ( in writing ) twice and called Capital One today. This dispute is over 90 days old and Capital One hasn't tried to resolve the matter. They told me today that they needed additional information from me, yet they never responded to any of my correspondence nor did they notify me that they needed more information. Correspondence to them is attached.

Company response to consumer: Closed with monetary relief