vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-09-09 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Professional Finance Company, Inc.
State: KS

Complaint narrative:
this company is violating the fair credit reporting act by listing a fraudulent account that is not mine on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Customer attempted to log into Experian account. Customer unable to access Experian online service. Online service rejected answers to security questions. Online service provided automated telephone number. Automated telephone number did not provide option to speak with a living person or other option to access online service.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust close my account after I told them not too. And on top of that I still have not received my new check card.. Im XXXX and this bank should be fined. As a customer I reserve the right to say not to shut down my card I was going to call back. But of course they did it anyway..

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 2019-09-09 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: FL

Complaint narrative:
I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that Experian and XXXX also delete the item as well. I submitted complaints to the three main credit bureaus XXXX, Experian, and XXXX and it was deleted my Equifax. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX  did for inaccurate reporting.

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 2019-09-09 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: AmeriCollect
State: KS

Complaint narrative:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Capio Partners, LLC
State: KS

Complaint narrative:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Target Card Services had wrongly reported a delinquent account in XX/XX/2019 that has resulted in drastic drop in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Capio Partners, in which they claimed they had purchased XXXX worth of medical debt that I they claim I owe to XXXX XXXX XXXX XXXX. I responded on XX/XX/XXXX requesting, in writing, verification of the debt, as I had never received a bill from this company.On XX/XX/XXXX Capio responded in writing and provided what they claim is the original bill. Upon further examination, this bill has my given name, yet has an address I have never lived at. Furthermore, upon checking my credit report, I discovered that Capio placed a collection notice on my credit report for two reporting agencies on XX/XX/XXXX. Please note that on XX/XX/XXXX I had not yet even received notice for Capio Partners of this potential debt.Thank you for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Universal Recovery Corporation
State: NV

Complaint narrative:
I have tried contacting the company on numerous occasions because they are attempting to collect a {$55.00} " debt '' for a vehicle insurance for a vehicle I no longer had.

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 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that XXXX and XXXX also delete the item as well. I submitted complaints to the XXXX main credit bureaus XXXX, XXXX, and Transunion and it was deleted my XXXX. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX did for inaccurate reporting.

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 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 at XXXX XXXX C.D.T. I was contacted by a Ms. XXXX XXXX regarding a debt belonging to my EX wife whom I have been divorced from for over 10 years. Per the divorce agreement she is responsible for all of her debts. I do not desire to hear about this matter, my Ex Wife 's name mentioned, or harassed again by United Collection Bureau, their agents, substitute trustees etc, regarding any and all matters concerning my EX wife. I have instructed XXXX Co. Sheriff XXXX XXXX to have his deputies arrest her on sight should she be found on my property, or in close proximity to me. Can I make it any more clearer that stalking by her, or United Collection Bureau will not be tolerated. 

United Collection Bureau XXXX XXXX XXXX XXXX, Ind. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: IL

Complaint narrative:
I have contacted Experian several times explaining that this is a fraud account that they are reporting on my credit for XXXX XXXX XXXX. This account does not belong to me & is a result of fraud.

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 2019-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group
State: TN

Complaint narrative:
I am the victim of identity theft. I have written to the debt collector named on my credit report  Ascendium Education Solutions, Inc XXXX XXXX as well as the credit reporting agencies. The alleged debt was deleted from my credit report but Ascendium Education Solutions, Inc XXXX XXXX  has yet to reimburse me for the funds that were stolen from me by way of tax refund offset. I requested the funds be sent back to me but I got no response. The funds that I am requesting are mine and should not have been taken in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had consistent problems with Wells Fargo applying check payments which are specifically identified as monthly mortgage payments and are in the exact amount of my monthly payment due.   Wells Fargo continues to misappropriate these payments instead of recognizing the payment as the next monthly payment due.   I spent a long time on the phone with their representatives but with the exception of one payment they refused to correctly post payments to my account in line with what I directed at the time the payment was made.  In speaking with several Wells Fargo representatives it appears that the bank has purposely structured their systems to ensure that payments are booked against principle.  The back clearly has a vested interest in doing this as the mortgagee who thinks they have actually paid their mortgage ahead is now hit by a late fee.  In my case that's a XXXX fee!  I would urge the CFPB to exercise its powers to ensure that payments clearly identifiable as monthly mortgage payments are booked as such and not misappropriated.

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 2019-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My lender filed 2 partial claims against my title when their should have only been one. I asked for a statement detailing all the funds and they will not provide it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Our mortgage was transferred from XXXX to Rushmore Loan Management at the beginning of XXXX. We received a request in XXXX for our HOA condo insurance declaration, which we submitted to Rushmore 's vendor imcovered.com/rushmore. I uploaded the hazard insurance declaration and received an email confirmation that it had been successfully verified. 

In early XXXX I received another notice asking for verification and again uploaded the hazard declaration to imcovered.com/rushmore. Again I received a confirmation that it had been successfully verified. 

On XX/XX/XXXX I received a letter from XXXX stating that hazard insurance had been added to my account and I needed to pay an extra {$120.00} starting in XXXX! I spoke with " XXXX '' in the insurance department and was told they couldn't verify the insurance from the declaration, so I gave them the number of our insurance agent and he said he spoke with them and verified our coverage. 

Afterwards, we received a letter stating that our payments starting in XXXX included the insurance premium of {$120.00}! I called and spoke with " XXXX '' who said we needed to provide our personal condo policy declaration page, which I did. Today I received a letter that we were receiving no refund and on the phone, " XXXX '' said we owed {$580.00} for the " time the policy was in force at the beginning of the year. '' This is extortion! We proved that our policy was in force since XX/XX/2019 and I don't know if this is some kind of collusion between Rushmore and " XXXX XXXX '', their insurance carrier, but it is not a productive way to maintain customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Between the dates of XXXX - XXXX & XXXX - XXXX it has my credit report saying that i was late. I called them to have it fixed but they said they would not change it on my credit report even though i am up to date and have not been late since XXXX of XXXX  because of the downturn of the economy in the oil and gas sector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC
State: CA

Complaint narrative:
MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
OnXX/XX/XXXX, I made a payment to my Capital One Quicksilver Visa Account on the due date.  At the time, I made the payment online I wasn't aware I missed the cutoff time, which is not posted as you click to submit the payment. I discovered the next day that I was charged a past due fee of $XXXX on XX/XX/XXXX.  I called the Customer Service Center and they were kind to reverse the fee.  At the time, I didn't realize I would also be charged interest, because finance charges  did not post on XX/XX/XXXX, they posted on XX/XX/XXXX.  I paid the full balance off on XX/XX/XXXX, which I almost always do, specifically to avoid paying interest, so I was shocked to see I had been charged interest. I called the Customer Service Center on XX/XX/XXXX to see if I can get the interest reversed, as I had made the complete balance payment due. I spoke with the Account Manager, XXXX  in Virginia (ID:XXXX) and he would accommodate my request.  I asked to speak to his manager or to escalate it and he blatantly advised me he was the highest level I could escalate to. I don't ask for much and I have had this card since XX/XX/XXXX. I felt that I was not treated fairly and without respect.  I don't understand if a previous representative understood and reversed the past due for the same situation, why not be consistent and reverse the finance charge?  Is it fair to not provide a customer options to appeal a decision?  I  am not happy with the service Capital One provided me and hope the Voice of the Customer has value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my TransUnion and XXXX to follow suit.  I need this deleted rom all reports.

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 2019-09-10 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: NY

Complaint narrative:
My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my XXXX   and Experian to follow suit.  I need this deleted rom all reports.

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 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I received a notice of transferred services letter from my previous lender XXXX XXXX stating that effective XX/XX/XXXX the servicing of my account would be transferred to Westlake portfolio management services. My loan reached its maturity date on XX/XX/2019, however I still have a balance owed of a little over $3000 of which the following payments have been made to Westlake in an attempt to satisfy and pay the account in full; $XXXX on XX/XX/19, $XXXX on XX/XX/19 and $XXXX   on XX/XX/19.  I received a past due letter dated XX/XX/XXXX requesting the full amount to be paid. Immediately I contacted Westlake and inquired about the account and expressed my concerned w/ the details of the letter specifically where the letter stated that my vehicle could be repossessed. I was informed by the customer service rep that Westlake granted my account an extension until XX/XX/19 to pay the remaining balance. About 4 weeks later I received another past due noticed. I contacted Westlake again and was told once more that I had an extension until XX/XX/XXXX and that as long as I continued to make payments my vehicle wouldn't be repossessed. Fast forward to today XX/XX/XXXX and my car was repossessed at XXXX. I spoke with Ivonne the repossession supervisor and now the story they are giving is that my account was noted for the extension but wasn't granted, information that has never been communicated to me during my previous conversations w/ their customer service reps, and that she would be sending my account for review and if approved for the extension I would get my vehicle back. While I appreciate XXXX   diligence to help I am very upset at the amount of miss-information from the lender and the situation I've been placed in is unfair. This company is a nightmare.

Company response to consumer: Closed with explanation