vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-15 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: OH

Complaint narrative:
I was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police 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 2017-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.

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 2017-10-15 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: OH

Complaint narrative:
I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 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: OH

Complaint narrative:
I was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police 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 2017-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited my financial aid reimbursement check, {$1300.00} onXX/XX/XXXX into my recently opened Capital One 360 account via their mobile application. The check was written out and sent to me onXX/XX/XXXX 
OnXX/XX/XXXXI get an email stating that I need to call CapitalOne360 to verify my recent account activities and that I had 10 business days to do so. That afternoon I call in and get through to their " security '' team. I was informed that there will be a hold on my account and was questioned about the check and if there was something wrong with it. I was unsure as to why or if there was a problem with the check. I told him I would have to get back to him on it. 
I called the financial aid advisors at my school and the institution ( Bank Mobile ) that they used to write out the checks. The college said they already sent the money to Bank Mobile and Bank Mobile said the check was cashed and processed. 
With this information, I tried to contact the " security '' team again at capital one on two separate days. 
XX/XX/XXXX, I would call in and not be able to reach the " security '' team, instead I was told by some intermediate team that I could leave a message and the " security '' team would contact me within two business days. 

XX/XX/XXXX, I would go to a physical branch of CapitalOne and see if someone there could help me with my situation. I was told by the teller their that they had no power to do so and recommended me to call CapitalOne360 again and tell them I was in an actual branch. I did so, and only got through to their intermediate team again and told to leave a message. I told the women that I had doe so the previous week, how I did not get contacted within 2 business, and that I was in a physically branch. She said she could n't help me anymore, and that I could either leave a message again or she could send an email to them and that I would get contacted within 24 hours. With no other options, I requested the email be sent. 
Later that day at home, I would shoot one more call at CapitalOne360 to get a definitive answer. This time a guy answers from the intermediate team, and he tells me that ( according to his limited notes from the " security '' team ) that, 1, account was placed on hold by the security team and he had no power in that action. 2, business relation is ending after everything is set and done. Once the check goes through, they would transfer that money to my account in another institution. 3, my funds would no be accessible to me/withdraw able by me. In response I ask him, " so how do it get my funds withdraw able? '' He tells me that he does not see a set of action for me to do to get my funds withdraw able. I respond " So did you guys just take my financial aid and that 's it? '' I receive an unclear response and he reiterated the that, according to his notes, the hold on my account was determined by the security team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
In Fall Of XX/XX/XXXX, I attend XXXX County College, I did not complete the semester. I was having some health issues, and a difficult time : In XX/XX/XXXX I had to file for Chapter XXXX. I listed all my Debits, including the college, and student loans, etc. I have moved since XX/XX/XXXX, and always had my mail forward. In XX/XX/XXXX I rec 'd a phone Call from General Revenue stating I had an outstanding Balance of {$580.00} for college in XX/XX/XXXX. I told them I was not in college then, I was given the phone to call and follow up, I did just that, and by my many phone calls finding out little bits here and there. The Debit come from me attending the college in fall XX/XX/XXXX, the College having an audit done in XX/XX/XXXX, and this is when they found I owned them money. So, it took them other 5 years to find me, really with the internet today you can find anyone in less than 5 mins. The college is starting to General Revenue that I filed chapter XXXX after the debit was posted, no filed after remembering I went to school in fall of XX/XX/XXXX, filed in XX/XX/XXXX. They ( the college ) found the error in XX/XX/XXXX, this is not my issue. If the audit was not done we would not be here. also, all my student loans were discharged due to medical, and on social security. The College also changed names in this time frame From XXXX County College to XXXX College of XXXX County.

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Five collection accounts were deleted due to me not having a legal contract with the company and during the equifax breach the collection accounts were added back on. I uploaded copies showing the accounts were deleted and the documents showing the accounts being added back on! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. And Equifax did NOT notify me The FCRA requires credit reporting agencies to " maintain reasonable procedures that ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.

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 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I received a letter from this company telling me that I owe them a debt. I have never done business with this company not have they ever provided me a service nor goods

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15 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:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

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