vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: OR

Complaint narrative:
Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and Telecheck Services ( all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX.XXXX/TRS Services Address XXXX XXXX XXXX XXXX   Date XX/XX/2019 XXXX PDT Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called Telecheck and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX  ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX Services today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} ). I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loanme is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NJ

Complaint narrative:
Please remove the following fraudulent inquiries off my credit report XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX   XXXX XXXX XX/XX/2018

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was mailed a letter of Denial from Sychrony Bank stating that I requested to open a Credit card with paypal Credit. 
The date of the letter is XXXX/XXXX/2019. 
The application date is XXXX/XXXX/2019. 
The individual used a previous address for the application. ( XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina. XXXX ). 
The Reference Number for the transaction or letter is XXXX  : XXXX. 
I recieved a second letter of denial dated XXXX/XXXX/2019. This letter is from Synchrony Bank also. They stated that they were unable to open a paypal credit card. The individual used the same former address ( XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX ) The reference number for this transaction or letter is Reference : XXXX The application was done XXXX/XXXX/2019. 
I tried to get some of the credit bureaus to remove old addresses and some of them refused. I have put freezes on some, but there remain a few I can not do. This is the reason im reporting or making a complaint.

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 2019-08-01 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: CA

Complaint narrative:
Hello, On XX/XX/XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and XX/XX/XXXX. XX/XX/XXXXdidn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XX/XX/XXXX XXXX Unverified 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 explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XX/XX/XXXX my mother passed away and in the process of finalizing all of the documents and closing out all of her paperwork after her death I sent in the notifications/death certificate to all three of the credit bureau 's, XXXX, Transunion, XXXX. 

Of the three credit bureau 's XXXX and XXXX properly changed my mothers status and I have had no issue 's at all with the two companies. 

Transunion on the other hand listed me as deceased. 
I have been trying to for the past 2 years XX/XX/XXXX to have them correct this slight problem. 
Apparently I have been deceased for almost 11 years according to Transunion. 

I thought that I was reinstated to being alive 2 years ago when this first came up. 

Apparently I can still pay taxes and go to work and earn a paycheck

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
On XX/XX/2018, my divorce was official. As part of my divorce I wasn't required to refinance my mortgage ( no equity ) at that time. The agreement between my ex-husband and myself was that once the kids graduated I would refinance. In the meantime, my ex decided to file for bankruptcy but was told that it wouldn't affect me. My mortgage servicer Mr. Cooper ( mrcoooper.com ) completely shut down my online access to my mortgage loan. The attorney for my ex sent a letter directly to Mr. Cooper on XX/XX/XXXX telling them to give me back my online access. I called on XX/XX/XXXX and was told that I could submit a copy of the letter to the researchincoming mailbox at Mr. Cooper. I called back on XX/XX/XXXX to find out the status and make my XXXX payment ( since I couldn't do it online ) and was told that I wouldn't be getting my access back. I understand the bankruptcy laws as they apply to him, but what about me? I have never been late on a payment. Do I no longer have any rights to my loan information online? Not that the creditor cares, but my divorce decree states that I am responsible for the loan and I have also submitted information to them along with how the tax reporting should be done going forward which was working great. Now while I can get information if I call in, I can't submit a payment online or look at any past statements that I can only access through my online account. They want you to sign up for electronic statements but are quick to remove the access to them. I couldn't find anywhere in any regulation that state that communication needs to stop with all parties regardless if one party did not file bankruptcy. The bank for my second mortgage just had me sign a document indicating that I wanted my online access back and took care of everything. It worked out perfectly. Also, I was told that the credit bureau reporting would be turned off. While the account internally may be marked as bankrupt, I am not past due nor am I in bankruptcy so I would hope that the credit bureau reporting is accurate. They can list my ex as bankrupt but should not be listing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with citi bank in XX/XX/2018. After two months, they closed my account without warning and explanation. After one month, they closed my Costo Cards which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.

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 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Cap One # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX from Wyndham capital mortgage called me on XX/XX/19 or XXXX about lowering my mortgage rate. He asked a lot of questions which I answered then 15 min later he asked for mine and my wife 's ssn. I said I didn't feel safe giving them over the phone so he said he'd send me some paper to look at and if I wanted I could fill them out and send them in to him. I received the papers via FedEx and somehow my ssn is on them. I don't know how he got it but he did and now I don't know if he ran my credit or stole my identification. I thinking about getting a lawyer involved if some one don't give me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: UT

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

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 2019-08-01 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: UT

Complaint narrative:
XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

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 2019-08-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) reported to Experian an account from XXXX   XXXX XXXX in the amt of {$420.00} for services on XX/XX/XXXX. An internal review by XXXX   found on XX/XX/XXXX a XXXX  account specialist erroneously sent the billing to XXXX rather than Medicare and the secondary platinum insurer. Upon discovery, the erroneous action was not corrected and resulted in erroneous information remaining with XXXX XXXX Experian. '

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 2019-08-01 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 XXXX XXXX transfer my loan to SN SERVING CORPORATION to collects payment but SN SERVING CORPORATION never filed the transfer of ownership in the mortgage records. On XX/XX/19 via Certified Mail a request for RESPA QUALIFIED WRITTEN REQUEST; COMPLAINT; DISPUTE OF DEBT; VALIDATION OF DEBT; AND TILA REQUEST.I received a letter from the Attorney At Law XXXX XXXX. XXXX  on XX/XX/19 said he was enables the servicer to identify the borrower and list information sought by the borrower.(see attach). I need the truth from SN SERVING CORPORATION ABOUT THE DEBT.I need the FBI and other Federal organization Investigate this type of fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I noticed a collection account on my credit report from IQ DATA I sent for validation of the debt because the amount was not right This agency won't answer me nor respond to my disputes YET THEY CONTINUE TO ADD MORE AND MORE TO THE BALANCE This agency are not in compliance and I want them deleted from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
my student loans were paid off consolidated but I keep having a bunch of old negative accounts on my file. I want these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.

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 2019-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reached out to Equifax two times regarding fraudulent accounts and they fail to uphold the law. they are violating my rights by not deleting these fraudulent accounts that I did not open, my identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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:
It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit 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