vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5th/3rd bank took over the mortgage to my house from XXXX XXXX 2 years ago. At this time I set up an automated bill payment schedule from my personal account at XXXX XXXX to deliver my mortgage payments monthly to 5th/3rd mortgage payment processing center as instructed by 5th/3rd bank. This has been working as scheduled for years, until XX/XX/XXXX. For this month only, 5th/3rd bank received my payment from XXXX, which they admit ( evidence provided from both XXXX and 5th/3rd ), but instead of processing my mortgage payment, they decided to return it to XXXX and charge me a late fees. 5th/3rd bank did process all subsequent payments from the automated bill payment, but kept charging fees on the returned payment in XXXX. Once the issue was noticed on my side, I immediately went over to 5th/3rd bank to address any amount on the loan in arrears. I asked 5th/3rd to reverse the fees associated with their error, but they conveniently stated that It was my issue and to pay the fees. I supplied evidence from XXXX that they did receive the payment, and then they finally agreed to open an investigation. 
The automated bill schedule has not been changed since it was created in XXXX and 5th/ 3rd bank has been processing my mortgage payments successfully every month before and after XX/XX/XXXX.  Even faced with the evidence that the payment was made on XX/XX/XXXX and erroneously refunded by 5th /3rd on XX/XX/XXXX, they claim that all faults are with me and I am responsible for the fees and the negative feedback on my Credit Rating. I have decided to escalate this issue to the Consumer Financial Protection Bureau. XXXXth /3rd ability to return a payment just to charge a fee is outrageous.  Please see the correspondence and evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I filed a dispute to validate the accounts on my credit report. It has been over 30 days and I have not received any investigation results to validate this debt. This account was sold/transferred, and I am no longer responsible for the account. There was NO written agreement, signature, or contract with this company. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to FCRA, ARS has violated my rights. I am requesting legal action to remove this account immediately.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.

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 2020-08-31 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: NV

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a validation letter to all 3 credit bureaus, XXXX, Experian, and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.

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 2020-08-31 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XXXX.but in XXXX i got sick with XXXX and called navient and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was sally mae .so this is my problem can sombody help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in PROOF to Equifax through certified mail showing That these two accounts Under the name " Ohio Dept Oh Human S '' are inaccurate! 

A closed account CAN NOT! Have a monthly balance this is a direct and obvious violation of the FDCPA. 



Equifax needs to delete these two inaccurate accounts from my Equifax credit report because this is a violation of the FDCPA.

The violation is Defamation, willful injury. Violation of the FDCPA Equifax Information Services LLC refuse to correct information after being provided proof of inaccuracy. 

FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. XXXX COurt of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
Every since I paid my escrow shortage in full ( {$2400.00} ) on XX/XX/2020 PHL disbursed my escrow money as payment instead of putting it in escrow. Now my mortgage account is messed up causing PHL to put a negative score on my credit report and sending out default notices and harassing frequent phone calls. I have never been late with a mortgage payment as of date. I have contacted PHL via phone-email with each representative expressing the account is being fixed. It has been four months and my credit scores has been trashed. ( XXXX dropped 77 points- XXXX   dropped 90 points and XXXX XXXX XXXX points ) Again, I have never missed a payment and paid my escrow shortage in full but my credit score has dropped because PHL reported that I have missed payments. Tired of receiving default letters and harassing phone calls daily because THEY can't keep their accounting straight. I am being charged unnecessary late fee and now I am trying to sale my house and they are implying I owe them back payments which I do not. I have filed complaints with XXXX of CT, NY Department of Financial Services and the Mississippi Department of Banking and Consumer Finance.. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & T/TSYS with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my 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 2020-08-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my 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 2020-08-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: RI

Complaint narrative:
I purchased a {$500.00} Mastercard gift card for cash in late XXXX or the first week of XXXX from a XXXX XXXX XXXX supermarket located on XXXX XXXX, XXXX. I do not recall the exact date. The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX I believe that I registered the card with the issuer either the same day or the day after. I registered the card on the issuer 's website and the website showed a {$500.00} balance, at which point I discarded the receipt. Around the middle of XXXX when I checked the balance of the card I found 2 unauthorized online charges, one for XXXX and one for XXXX XXXX. I immediately notified the issuer, and thereafter called both XXXX and XXXX XXXX corporate to notify them of the fraud and hopefully stopped shipment. I provided the issuer with a copy of XXXX XXXX response email and advised the issuer that XXXX told me that they researched the transaction and that the delivery address was that of a re-shipper and the product was probably already out of the country. 

I submitted the issuer 's claim form and photos of the card as requested. I advised the issuer that the card had never left my possession, nor had I shared the number with anyone. I did not make the two disputed purchases. 

I also mailed a letter to the issuer requesting that they process the claim and that they provide me with sufficient information about the purchase that I could ask XXXX XXXX XXXX to research the transaction. I received no response. I requested by email that they call me. They have not. I left a message with their corporate HQ asking for a return call. No call. 

The issuer 's last email response was that unless I could provide them with a copy of the receipt that they would not process the claim. 

They stated : " Because Gift Cards are anonymous products the purchase or activation receipt is required to validate that our cardholders are the original purchasers or intended recipients of the cards. You may request a duplicate copy from the original purchase location. '' If the card is purchased anonymously, how does a transaction receipt prove that the holder is the original purchaser or intended recipient. Suppose that the card and the purchase receipt were lost and someone picked them up? In addition, the issuer sent me a new card -- with my name on it -- containing the balance of the funds, without any proof that i was the original purchaser or intended recipient. 

I am an attorney licensed in RI and MA. Do they think that I am foolish enough to risk my license and reputation over this claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a validation letter to all 3 credit bureaus, XXXX XXXX, and Transunion and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.

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 2020-08-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a validation letter to all 3 credit bureaus, Equifax, XXXX and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.

Company response to consumer: Closed with explanation