vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The dismissed bankruptcy on my TransUnion, XXXX XXXX  reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I contacted Wells Fargo Bank regarding my credit card on XX/XX/2018 and advised them that my debt is uncollectible because the statute of collections has expired. They continue to remove this debt and put it right back on my credit file therefore causing a new collection items on my credit file for the same debt that has been removed over and over again. I never received a response to any of my requests from the company.

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 2019-09-16 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
my name is XXXX XXXX My name and personal sensitive information was used to opened to credit cards with navy federal credit union. The cards was opened and maxed out and are now reporting negatively on my credit report. I filed a police report with the location it was opened XXXX police department. my police report number XXXX. The date the accounts was opened on was XX/XX/2017 and to this day of me reporting them its still showing on my credit report. I also have disputed the information with the XXXX and they still decided to report this fraudulent information on my credit report. The results of this fraud has also led to have my personal information as far as my address reported wrong and cellphone number as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Last year in XX/XX/XXXX I had a switch of bank accounts as I moved all personal accounts to where my business banking accounts are held. During this process I had the accounts paid for online and had named the new account the same as the old account. I was notified that my homeowners insurance was not renewed, their was a mix up from the carrier as to where the renewal was sent. I paid my mortgage as usual however Amerihome was trying to take it from the closed account. I was not notified by Amerihome not only for the insurance renewal but also that the Mortgage was not paid for XX/XX/XXXX. When I was told i was late in XX/XX/XXXX, I immediately paid XX/XX/XXXX and XX/XX/XXXX totaling over {$4000.00}. I had spoke to customer service to get this resolved and they had acknowledged the mistake on the draft and the insurance renewal and sent me a link to get the late removed. It has not been removed and I called to inquire again as recent as 30 days ago and they had told me it was not done and they are not sure why.

Amerihome Mtg CO, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
XX/XX/2019 i was notified by loan care llc that i was behind on my payments. it was found that they went to XXXX. they said they were going to reverse the payments any apply them to their new loan number for me. 

As of XX/XX/2019 those funds still have not been applied, i've just been told it takes time ... i dont understand how after 3 months they still can not get the funds applied. i was told by a rep to send in my bank statements which i did on the website and still have not heard anything back. i was told that this would be resolved on XX/XX/2019 and it still hasnt.

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 2019-09-16 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 balance and a late on an account that I paid off over a year ago. This account has already been paid and should not have a balance nor should it have a recent late. It is only reporting to TransUnion as well.

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 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: TN

Complaint narrative:
My ex wife of 10 years passed away in XX/XX/XXXX. I helped my children dispose of and empty out her apartment. I called XXXX cable company to let them know the service needs to stop and cable boxes need to be returned. They advised me the first week of XX/XX/XXXX they would send me boxes to return the equipment. They never did. Stark collection agency sent me a collection notice. I called them and informed them this was my ex-wife 's account and tds never sent me boxes to return the equipment. XXXX at starks advised me that they tds would send me the boxes to return the equipment. They did not. I called starks agin in XX/XX/XXXX. Told XXXX the same thing. He assured me XXXX would send me the boxes to return the equipment. They did not. I spoke with XXXX again the first week of XX/XX/XXXX and XXXX assured me tds would send me the boxes. They did not. Then i see today a collection from starks is on my credit report. This false and misleading. 1. i do not owe any of my ex-wives bills. we have been divorced for 10 years. 2nd. I will return the equipment when they send me the boxes. I asked XXXX for an address to send the equipment back myself today and he would not provide me with the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: IL

Complaint narrative:
Transunion is reporting a fraudulent account on my credit report with XXXX collection that does not belong to me. I disputed this account inXX/XX/2019and it was deleted however they reinserted this fraudulent account on my report. In addition, I was never notified by the credit bureau that the XXXX collection account would be reinserted on my report which is a violation of my consumer rights pursuant to FCRA section 611. I am starting the believe Transunion is intentionally being noncompliant and negligent. If this account is not deleted I will be filing a civil lawsuit.

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Back in early XX/XX/2019 I did an online search to find the best promotion offer for opening a checking or savings account. I found an offer online at www.TD.comXXXX. 
The offer stated that if I opened a Premier Checking account and deposited a minimum of {$2500.00} of direct deposits within 90 days that I would receive a {$300.00} credit to my checking account. I did not meet any requirements for the additional {$150.00} to open a savings account. I deposited the {$2500.00} within 60 days, 30 days early. The offer stated that I would receive my promotional credit within 140 days max. I have called numerous times as I am persistent since the 120 day mark to check on the status and was told to wait the remaining days. I've called maybe 5 times in the past two weeks and each time I was told the rep would email the promotional Dept and they would get back with me with a resolution within two business days. I have received no call back or emails regarding my inquiries. I love the current interest rates and would like to stay with the TD Bank however I expect them to honor their end of the promotion as I did. The reps have been extremely nice and seem to genuinely care however I seem to be getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The dismissed bankruptcy on my XXXX, XXXX, Equifax reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The dismissed bankruptcy on my XXXX, Experian, XXXX reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I used XXXX to access my annual free credit report from three credit reporting agencies, Transunion, XXXX and XXXX. When I checked my credit card charges today ( XX/XX/2019 ) I saw a charge of {$19.00} ( recurring ) from Transunion from XX/XX/XXXX. 

I had not signed up for any services from Transunion and had not approved them to charge my credit card. 

I called up Transunion to dispute the charge and was told that I must not have accessed my annual free credit report through the correct address, despite having clicked directly through XXXX. When I said that I had not signed up for any services and wanted all services to be cancelled and my {$19.00} to be reimbursed, the customer service person pushed back and asked me if I wanted to cancel {$1.00} XXXX insurance coverage for identity theft. I had never requested this in the first place. They eventually said that they would cancel my subscription and reimburse me the {$19.00}. 

I am absolute furious that a credit ratings agency can charge me without my consent when I go to access my annual free 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 2019-09-16 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am reviewing my credit report from XXXX. It shows that an individual credit card from SYNCB/PPMC was opened in my name in 2012, was allowed to go into delinquency, and was shut down. I did not open this account. This ding on my record is preventing me from getting a loan for car and home.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I XXXX XXXX have disputed an item with Capital One on my credit report. And the company have fail to comply under U.S.C 1681S-2 } ( A ) ( 3 ) Duty to provide notice of dispute in the completeness or  accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer. Capital One are required by federal law to place notice of dispute on my account within 30 days of my dispute which they have signed for on XX/XX/2019. I have retained a copy of Capital One signature and date of receipt as well as a time stamped copy of my credit reports showing that they have violated the Fair Credit Reporting Act. By not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2019-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am the owner of a cash / investment account # XXXX at XXXX XXXX XXXX have been for over 10 years. Six weeks ago I was erroneously advised that I could not transfer from or to this account from any of my other accounts. After the restriction was removed I am still unable to transfer to or from this account to my other accounts on line as I was before the restricting was applied, as XXXX  advertises you can & evidently as all their clients can. XXXX XXXX, my Premium Elite Relationship Manager, has been telling me for six weeks he is  working the problem but obviously he is getting nowhere and there is no indication he has made or is making any progress.

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 2019-09-16 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

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 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
{$2000.00} was stolen from my checking account through Cash App and they will not respond to my email regarding this. I tried fixing it through my bank but they will not refund my money as fraud because Cash App is not responding to me so that it can be proven that I did not authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called experian and XXXX. Under XX/XX/XXXX my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXXXXXX XXXX XXXX card shows as good credit and is revalving credit until XXXX so i tried calling 3 times, to experian and in past tried callong XX/XX/XXXXand XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up

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 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
Reached out to sunrise collection services a little over 45 days ago asked to set up a payment plan and discussed it with an agent About splitting it into two payments I asked for written verification of my dad and written payment plan never received

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF TRANSUNION AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..

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 2019-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF XXXX AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..

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