vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: TN

Complaint narrative:
I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and Transunion. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

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 2020-09-11 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: TN

Complaint narrative:
I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

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 2020-09-11 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: FL

Complaint narrative:
Equifax ; Experian and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the BK OF XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX  XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK
State: MD

Complaint narrative:
I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX   XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.

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 2020-09-11 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this 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 2020-09-11 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 ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this 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 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Motor Finance Company is not allocating the correct interest to the principal. There has been numerous contacts made to Kia to fix this and they have yet to fix the error. Each rep that has been spoken to has acknowledged the error, to include supervisors and stated to wait '3-5 days for corrections ' and each time nothing has been corrected. Spoke with XXXX on XXXX XXXX to ask why the fees hadn't ever been calculated correctly and she stated because 'you will have to pay {$2500.00} a month for any of the payment to go towards the interest. ' Of course we knew this was wrong but for her to say it more than once, we decided to check our contract -which we can not locate on the web nor received-and call back. At this time, we had begun to make payments ( over-payments ) weekly at the time but the interest rates were not correct nor was the principal going down. Spoke with XXXX on XXXX XXXX who also saw the discrepancy ( to include giving us the interest rate XXXX and stated she was escalating the case and it would take XXXX days. No changes were made. On XXXX XXXX, spoke with XXXX who also stated she saw the discrepancy and stated she would escalate it and to give them 3-5 days. No changes were made. XXXX XXXX called back spoke with XXXX who claimed that he was looking into it, hung up but never called back although he asked at the beginning of the call for the call back number in the event we were disconnected. Called right back and spoke to XXXX who also saw the discrepancy. She escalated it to supervisor XXXX who also saw the discrepancy and he stated the same as the others, he would escalate it but only he said to the supervisor of the department and allow the 3-5 days. The supervisor was informed that a change needed to be made or we were going to take further action to include possible class action. No changes have been made as of yet. This is absurd! If they are doing this to us I'm sure they are doing this to millions of their 'consumers ' This is not only robbing us blind, it is effecting our credit scores by showing higher balance due which is not the case. Also, with this being said, the current interest is not only not calculated correct, it should be lower by now. This has to be stopped! They need to be investigated.

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
In late XXXX of XX/XX/2020I started the process of refinancing my home. It took till the end of XXXX to finally close. During this process I was lied repeatedly to about closing costs. When it finally came to close they asked me to back date closing documents so i would be in what they said was a 3 day window of closing that it needed to be signed which I refused to do so they said they would have to change closing date which I was fine with. I got a call from the closing company at XXXX in the morning saying we where to close that day. Never even seen or signed any documents. There was additional undisclosed fees that Ive never seen as well. I talked to XXXX XXXX then boss whos first name was XXXX XXXX XXXX? XXXX. Earlier in XXXX complaining how long the process was taking and he offered Me {$500.00} for being what he called a 5 star customer. He said it would mail 10 days after closing. XXXX nor XXXX will return my calls. Ive been dealing with our local branch and they can not get anyone to call me regarding the matter either. 

I believe that US Bank tried to commit fraud by asking me to back date their documents. 

I have never received the {$500.00} I was promised which I now believe should be more since Ive had to spend my time dealing with all this. Im asking for {$2000.00} to also help compensate for fees that where not initially disclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
The issue was originally for my spouse but the company failed to see that we are 2 different individuals and merged it all into one big mess, so now it is my problem as well. Law Offices of Quinn M. Kofford, P.C., also violated multiple laws when it comes to Fair Debt collection act. " Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. When they do, they cant reveal the debt, and there are limits on repeated calls. '' I was threatened and humiliated while at work! I notified lady calling me that I was at work but she said she didn't care. I also notified her that my accounts are always up to date and she is mistaken, to which she said that unless I have a paper copy, they can collect even if it was paid. I told her that I am concerned about my XXXX  information breach to which she said : nobody cares about your XXXX  XXXX. I notified her that account did not belong to me and she refused to accept it. She proceeded with XXXX  and yelling. I notified her that if she continues to harass and threaten me, I will have to get an attorney to protect myself. She continued to yell at me and threatening me even though I told her repeatedly she needs to contact correct person on this matter. She then disclosed personal medical information to me that she did not have the right to possess as only necessary medical information can be disclosed for debt collection not whole medical history and it can only be shared with person it belongs to not with another person ( my spouse 's information was shared with me without his permission ). Yesterday we got served as company turned it over to court without notifying myself or my spouse that they are going to take that action. There was no time frame given or outline of the action. I got served at work and lawsuit has both names on it. Original company failed to produce the billing, only handwritten note was sent to our address with no explanation for the charges just dollar amounts. I was not notified that debt could be disputed. I repeatedly asked why she was talking to me and not my husband but never received an answer. If conversation was recorded, I was not made aware of it nor gave my permission. I have to deal with trying to restore my XXXX, fix our insurance ( since breach occurred ), work with XXXX offices on HIPPA  violation ( which means we would have to take time from work to resolve all the issues that were created for my husband and I ). Call was received on XX/XX/2020

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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: Westlake Services, LLC
State: PA

Complaint narrative:
On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is Westlake Financial. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
1. On XX/XX/XXXX, I signed a note and mortgage with a 30 year term from XXXX XXXX XXXX XXXX ( that was acting as an agent for XXXX ). 

2. XXXX intended that this loan be a 7 year balloon, but there was never a contract ( i.e. Note ) to support this. 

3. After 7 years of payments, my payment was returned by XXXX XXXX XXXX ( who had acquired servicing rights ). 

4. XXXX XXXX XXXX refused to take payments or negotiate another loan, but also refused to initiate foreclosure ( ~2 years ). 

5. XXXX acquired servicing rights but failed to make a reasonable offer ( just a crazy trial program ). 

6. XXXX filed a foreclosure suit using a blatantly fraudulent note in 2015. 

This is the extremely short version. The full story can be found in the court documents that I have posted on the site : XXXX XXXX XXXX The bottom line is that the opposing litigants have committed multiple felonies during the handling of the case. The experience is quite strange since XXXX was very reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NC

Complaint narrative:
I pulled my XXXX  credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with myXX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX  and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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: NC

Complaint narrative:
I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company XXXX XXXX XXXX XXXX XXXX XXXX reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/XXXX I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score 155 points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation