vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
University hospital of XXXX placed me in collectors for a accident that happened on 2008. This hospital were paid in full due to my case was with a workers compensation and I had a lawyer taking care of all my bills. In doing my taxes I received a letter stating that I owe XXXX to this hospital and they will be deducting the monies from my income taxes return. I have never ever received a letter stating that I owe this hospital however tge Monies where deducted from my income taxes refund.. This is a mistake in there part all bills where paid through my lawyer. I need my XXXX back that they took out from my income tax.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts or my addresses. Please remove them.

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts or my addresses. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On or about XX/XX/2020, I was approved and received documents for a loan modification with Freedom Mortgage. These papers were signed and returned to Freedom Mortgage on XX/XX/2020. The loan is now current and the next payment is due on XX/XX/2020. 

On XX/XX/2020, I requested an escrow analysis for my account. The mortgage company had a property tax payment amount of {$6100.00}. The correct amount was {$1400.00}, a difference of {$4600.00}. This difference should have resulted in a refund due back to me in the amount of {$2800.00}. Freedom Mortgage provided me with a statement agreeing to this. In that statement, Freedom Mortgage indicates that according to Federal Law, any excess over {$50.00} must be refunded back to me. On At the time the money was applied to the principal of the loan, the loan was current. On XX/XX/2020, I requested the amount be refunded back to me in the form of a check. The representative put in a request to have that done. 

On or about XX/XX/2020, instead of refunding this balance back to me, they applied the balance to my loan in the form of a principal reduction payment. I did not agree to this. Freedom Mortgage needs to refund this money back to 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 explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
All three of my credit reports show a Fifth Third Credit Card from 2006. This keeps reappearing. Sometimes it shows up twice on my credit reports. Ive called them and written them. They tell me they cant find my information. It should be deleted because they can not verify it, it is incorrect and is over seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
Select Portfolio Servicing, a mortgage servicing company, offered to put me on an unemployment plan required for a loan modification of which they offered to me to fix the rate and extend the terms. The told me as long a I paid the unemployment plan on-time the loan would be reported as on-time and paid as agreed. I accepted the offer and paid the lower monthly payments. However, I have found out that Select Portfolio Servicing is not authorized to lower my monthly mortgage payment or do a loan modifications. After the unemployment plan was up a loan modification was all of a sudden not available for the loan. A tactic used to try and force a homeowner into foreclosure. They did not do what they said and was offered in error. In addition to this, the communication they sent me verifying the payment offer and agreement was misleading and not straight forward about this when they were not permitted to offer me reduced payments on the original mortgage loan in the first place. Although I paid this offer/ agreement on-time and in good faith thinking this was actually allowed, they reported the payments late instead of one-time and paid as agreed. I demand the company, who I understand has thousands of reports against them a a federal class action lawsuit to immediately correct my credit report to reflect on-tim and paid as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Request to dispute item ( XXXX  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( Experian, XXXX  ) would update the account with no information provided by the creditor, reporting the exact same information that  existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I began the mortgage refinance application on Mon, XX/XX/2019. I have provided a mountain of documents and we still have not closed. Wells Fargo mortgage staff has been very courteous and have apologized over and over. I was initially told I would close by XX/XX/2019. 
The loan officer told me this has been sent to upper management due to the length of time. That was more than a week ago. It has supposedly been in underwriting for over a week but they still can't tell me a closing date. They keep digging up random old things on my credit report and making me prove a negative ( that I don't have whatever it is ). For example, they asked me to prove I didn't have a foreclosure -- -on the house I currently live in. I provided years of mortgage information and countless statements. I don't have any late payments and have a XXXX  FICA score. They wanted me to prove I didn't have a foreclosure. I have to give my existing mortgage company ( XXXX ) permission to speak to them so they could tell them I don't have anything like that in my file. This is insanely frustrating and by their own admission is terrible. 

I don't want to risk retaliation ( a " no '' from underwriting '' ) but I have to say something because this is absurd. XXXX has been particularly helpful and very empathetic. I do not think this is her fault or XXXX ( the other loan officer ). They are good people but this system has major flaws.

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 2020-04-16 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: FL

Complaint narrative:
TRANSUNION, XXXX  AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.

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 2020-04-16 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: AZ

Complaint narrative:
I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened

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 2020-04-16 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: Colony Brands, Inc.
State: PA

Complaint narrative:
Request to dispute item ( Ginnys  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( XXXX, XXXX  ) would update the account with no information  provided by the creditor, reporting the exact same information that existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NV

Complaint narrative:
These are not my accounts nor are these my addresses.

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 2020-04-16 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: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: FL

Complaint narrative:
XXXX, XXXX  AND EXPERIAN HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.

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 2020-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There is a letter from Ally on file from a unresolved previous dispute. This is follow up related to this unresolved complaint. Please follow up with Ally and accept this as a new complaint. There response is unacceptable. The company failed to acknowledge my previous phone calls starting in XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017. The company also failed to acknowledge that on the phone calls in XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017 in which I advised and repeatedly told the various representatives which is documented at Ally that the dealer referenced as well as dealers I contacted that Ally has not listed in their letter, erroneously I might add flat out refused to take back the car. All of this was discussed on the aforementioned calls from XX/XX/2017 and on. The onus still falls on Ally. I made all good faith attempts to rectify this issue. This letter from Ally does not resolve this or acknowledges all my contact starting in XXXX of 2017. I made every attempt and going above and beyond to resolve. Yes Ally acknowledges XXXX XXXX XXXX however I noticed that they failed to mention that upon several attempts and messages this dealer would not accept the car. As well as the other dealers in the XXXX area which I contacted and advised Ally that I did contact with no result other than a refusal to take back the car. I gave Ally months to resolve this issue and Ally is not operating in good faith or in accurate and truthful ways. This is not resolved or by any means acceptable outcome. I wish that this matter is pursued and not closed erroneously or with proper follow up. This letter from Ally has a very big gap and appears to be clearly missing all my contact conversations and the letterers which were sent to Ally. They need to cease and desist on this account and accurately close it. I started in XX/XX/2017 they didn't resolve until XX/XX/2017 which is absolutely unacceptable. Please rectify this issue. I want all documentation from Ally. Not just the one call they acknowledged. There is a major gap and clearly by not showing all that documentation they are proving that they are hiding something and not accepting liability for their actions or lack of action I did all I could for months.

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 2020-04-16 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: AZ

Complaint narrative:
I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: AZ

Complaint narrative:
I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened

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 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX new violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX New reported to Transunion that I applies for Credit which I never applied for, they violated my rights to have fair and accurate information on my credit report. 

My personal Information on my credit report is inaccurate as well I have requested to have my address, phone numbers and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I refinanced my student loans with XXXX  and the loan was funded on XX/XX/XXXX. At the time, an over payment had been made to my previous servicer because the payment was due around the same day the loans were refinancing. I contacted the company 3 times over the course of 45 business days to ask when my over payment would be applied and was told that I had to wait until 45 business days had expired. At the end of this period, I contacted XXXX/Mohela and was put in touch with a customer advocacy team. This team requested that I provide the check information from the previous servicer which I did. After several days I contacted the customer advocacy team again and they said they could not find my over payment and I would need to get a cop of the cleared check. So again, I reached out to my previous servicer who sent the information multiple times to XXXX/Mohela before they confirmed receipt. Its now been 4 months since my loan funded, I have contacted XXXX/Mohela over 18 times and have escalated my case multiple times with no anticipated resolution date. When I ask why the payment is not being applied Mohela says they are waiting to hear back from XXXX. Mohela agrees that I have made the payment and that I have proved that I made the payment. Mohela can not provide a time frame or resolution to this issue. They refuse to give me a direct phone line to a manager and tell me that I have to continue to wait. XXXX/Mohela cashed a check ( # XXXX ) in the amount of {$1600.00} from XXXX on XX/XX/XXXX. The check also contained a roster ( which I am not privy too ) specifying how payments should be applied. {$770.00} of that check should be applied to my account. See attached cleared check image. 

Account number : XXXX. Overpayment : {$770.00} ( XXXX  to XXXX/MOHELA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
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 and XXXX XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 , reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.

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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a payment schedule that went thru ACH for XXXX on XX/XX/XXXX. I had no funds in account and the bank let the charge go thru instead of reversal like they did a previous payment before hand. On top of the insufficient fund my account has been hit with 3 extended overdraft charges for XXXX, which has put my account way over than what I can actually pay. The bank knew my account was XXXX out and let the charge go thru unlike the week before they reversed an ACH which my account was hit for XXXX on XXXX, XXXX. The ACH was paid for to where my account was at a positive standing!

Company response to consumer: Closed with monetary relief