vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL ) XXXX, XXXX XXXX   ( Original Creditor : XXXX IDAHO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX 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 explanation
Consumer complaint received 2018-10-15 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: NV

Complaint narrative:
" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I have been telling my mortgage servicer, XXXX XXXX XXXX ( website : XXXX XXXX XXXX ) that they raised my escrow to the wrong amount since approximately XX/XX/XXXX. My payment went up from around XXXX a month to XXXX a month. I have been asking that they change this every month since I can't afford an extra 50 % on my mortgage. I have been saving up my mortgage payments every month instead of paying them as XXXX has told me my overage on escrow will not be paid back until I am fully current. They have FINALLY realized that they messed up my escrow and are changing my payment back to XXXX, and have stated that I need to pay my full balance of {$6000.00} today, and they will send me back XXXX by the end of the month. I can't make that payment, also this is money that never should have been due to them. I have the XXXX I SHOULD owe them waiting. This has negatively impacted my credit of course, but I'm not going to let them hold my money while I struggle because they messed up my escrow. Yes, they worked off of data they received, however I found out on Saturday ( XX/XX/XXXX ) after calling them for probably the 5th or 6th time on this matter that my report in XX/XX/XXXX or XX/XX/XXXX ( was not tracking this at the time ) was never used to verify my escrow, just a comment that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX 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 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX and XXXX ( Original Creditor : MEDICAL ) 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 explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. 

On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). 

Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX  for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I applied online for a Capital One secured credit card on XX/XX/2018. I was approved and per an email from Capital One, I am required to make a minimum deposit of {$200.00} by XX/XX/2018. I went online to make my {$200.00} deposit on the morning of XX/XX/2018. I received a confirmation that my deposit was successfully made and I should expect my card in a few weeks. The money was never withdrawn from my bank so I called Capital One and I was told there is no application and I should reapply or file a credit bureau dispute. In the mean time, watch my bank going forward to make sure it's not withdrawn because they can't find any application. This could hurt my credit score by having a hard inquiry that I can't remove or my bank account if they pull the money from the bank without warning

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Freedom Mortgage Company
State: DE

Complaint narrative:
My husband and I purchased our first home back in XX/XX/2018. We have made all of our payments on time every month ( the XXXX ). We made a payment for {$1500.00} at the end of XXXX ( which is showing received on XX/XX/XXXX ) but posted on XXXX from our checking account. XXXX Mortgage then took an unauthorized payment for {$150000.00} on XXXX that posted around XXXX. This caused our personal account to go overdrawn. We called and made them aware of the unauthorized payment and they requested bank statements more than once and we havent heard from them in days, so we called them. They needed MORE of the same documents. We also sent documentation showing proof of overdraft fees caused due to their unauthorized charge. Again days went by so we called again on XX/XX/XXXX ( first time being around XXXX when the unauthorized payment came out, then around XX/XX/XXXX ). They said on XX/XX/XXXX that the payment will be reversed for XXXX on XX/XX/XXXX and the overdraft fees on XX/XX/XXXX. We then called our bank to file a dispute because this was taking way too long and was causing more overdraft fees. They gave us the funds back with in 2 days. We then called Freedom mortgage because our account was showing NO PAYMENTS have been made for XXXX ( when two came out instead of one ) and they refunded the {$1500.00} as well when we only requested the XXXX. Due to their mistake AGAIN of refunding the wrong payment we received late charges. I spoke with a guy on XX/XX/XXXX that stated he will submit a request to have the late fees refunded due to their issue as well as the funds for XXXX were on hold with them so he would request to have them applied to our XXXX payment like they were supposed to be, but this was never done and we had to call again on XXXX due to XXXX payment being due. Once again we were told the request would be submitted. Then yesterday XX/XX/XXXX we received a notification that we were reported to the credit bureaus. We also went and made a payment for XXXX and XXXX plus the late fees just to avoid anymore fees or reporting. 

Our payments are due on the first of each month for {$1500.00}. We always make payments on time This place never had any idea what is going on and has us on hold forever to look through notes and they are so u professional. I will never use them again and may be looking to refinance with someone else already and it has only been 6 months.

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 2018-10-15 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( XXXX XXXX : MEDICAL ) 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 explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was ordering an XXXX to go home the night of XX/XX/18. I set my location as a XXXX supermarket and I called them to make sure they knew where I was. They told me they know where I am. I saw them drive by the supermarket. There was two XXXX that did this. One of them says I was not charged and the other one says I was charged {$5.00}. However I was charged the full price of the uber on my card. One was {$9.00} and the other one was {$11.00}. I set the right location and called them to make sure they knew where I was, it wasnt a hard location to find. I had to beg the third XXXX driver to not cancel on me and meet me in the same spot I have been this whole time and is the location I set on the phone. I filed a complaint on the XXXX website and have not heard from them since this incident happened. Here are the uber, date and time it was ordered and canceled. 
XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX 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 explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX has been calling me nonstop, at least 3 times, EVERY SINGLE DAY!!! Whenever I answer the phone, they told me that they will garnish my wages, that they will take my tax income check, that they will report me to my county law enforcement, that they will take me to court and sue me for triple what I allegedly owe. I've told them to stop calling me. They won't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX with the XXXX and Transunion..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

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 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
It is 2 years I'm trying to fix my car loan paid off issue, wrong credit reporting, and over-charged refund with Wells Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the Wells Fargo 's of the President. 

I bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with hidden issues, not knowing it was a on finance from the Wells Fargo. I was charged {$16000.00} XXXX plus with a huge down payment to pay in 5 years, but refused and objected to pay it in 3 years which I did. 
In the process of paying, and getting closer to finalizing my payment, Wells Fargo began to add unnecessary charges into my account. In an instant, they added {$1100.00} to my account without any my prior information and approval. On several calls for better reasons and information from Wells Fargo, they kept rejecting calls, and lots of hanging up calls, and direct to voicemails, even to make payment becomes a problem getting live person. I finally succeeded in paying off the loan and the over charge balance all in the about of about {$2300.00} in a single payment with the agreed period.Dealing with WFDS gave me a very bad experiences with the Wells Fargo Dealership Services. 
After paying off, getting my title became another big issues, and finally got a copied title that was still in Wells Fargo 's Name. 
My Credit Bureau profile as of XX/XX/XXXX is still showing Paid, Closed, {$1800.00} written off. I have filed disputed with Wells Fargo to clear up this issues of erroneous and over-charging of my account, poor reporting, and Refund my {$1100.00} which they later claimed was for insurance of which I had personal insurance. All I am asking is correcting their mistakes, treating customers as they deserve, and refunding my over-charge {$1100.00} which is part of their poor reporting to the Credit Bureau as written of, it wasn't part of the load, it was my account over-charge payment of which has taking them over XXXX years to clearly account for, their promise to refund my over-charged payment should be swiftly acted upon.

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 2018-10-15 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: CA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX/XXXX  with the Equifax and XXXX..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roycroft Management
State: OH

Complaint narrative:
I contacted Central Media Services to explain that before I would give them payment, I needed written validation to be mailed to me. I also asked for their state collection # and renewal date. They ignored my request, said " good luck '', and hung up. There is no way to contact these people except via phone ( very shaky ). # XXXX/XXXX XXXX , XXXX XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. 
This account needs to be immediately removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
" " '' I have disputed this charge off on this XXXX/XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion checking account Cant activate my debit card that was mailed to me ... Cant transfer funds to linked external banking account ... {$500.00} was direct deposited on Friday XX/XX/XXXX ... Still cant access funds ... checking account currently has {$620.00} in it and I have no way to access it ...

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