vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is an account with Commonwealth Financial showing for some type of medical provider a XXXX XXXX XXXX and I have not had any type of medical emergency in over 7 or 8 years. This is not mine and I have no idea why it would be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have repeatedly disputed this account, the charges that led to the charge off and ultimate attempts at collecting this debt are a result of identity theft. Capital One continues to validate this debt and mark it as Dispute Resolved with the Credit Bureaus, even though they have ceased collection activities and the collection account was removed from my credit. IF THEY REMOVED AND CEASED ACTION ON THE COLLECTION ACCOUNT WHY DOES THE ORIGINAL ACCOUNT STILL SHOW ON MY CREDIT? Why am I being punished by FRAUD!! No one else must repeatedly dispute an account, my friends have told me a simple phone call usually suffices with Capital One, why do I have to write them and send it certified mail and incur more expenses? What makes my case any different from the other people who have had Identity Theft issues?? I feel like my rights may being violated in so many ways. The FDCPA and FCRA are very clear on what YOU must do in this event I am requesting yet again that you DO YOUR JOB! And delete the following account IMMEDIATELY, as per my rights under federal laws!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX XXXX XXXX- XXXX   XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I believe someone at XXXX XXXX XXXX XXXX used my name to open accounts for other people. I have an open XXXX account that has been opened in 2018 at that time I was told that I had thousands of dollars in collections that I owed? When I looked at the phone number that XXXX had on " my '' current account profile that they linked to the account that was owed thousands in collections ... 
I realized that the PHONE NUMBER *which anyone needs to open a utility account Is NOT Mine, nor has it ever been. I believe it is the key to proving that these old XXXX XXXX debts?? now being represented by Jefferson Capital Systems/XXXX XXXX XXXX Are bogus. Further I honestly believe that this was in fraud happened within XXXX as when I was a reported at the XXXX XXXX affiliate, there were several calls that came into the consumer office complaining of customers information beings used by XXXX employees to open bogus accounts for friends and relatives or ( street customers ) for those dishonest XXXX employees. I think this is what has happened in my case since I have had no other " identity theft '' issues outside of this Bogus XXXX account/debts. Please see the attached pic of the phone number on my XXXX Profile, it is not, nor has it ever been mine. Also review the company XXXX trying to get me to " settle '' this bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) 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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/2019

CFPB

Complain about misuse of power.

I was offered Credit Card from XXXX XXXX XXXX,  15. monthno interest and US $ XXXX.- ,
limit.

Inthe process the employer for XXXX  ,he ask me about where he will be able ti send me Cash Advance money, with 3 % charge. ask if I have some CC , ask I admitted in Wells Fargo, have been with the card for 10 years, but are not using that because of 24 % interest. I have ask for lower the interest and been cut off. Therefor is account with US $ XXXX. limit not used in Wells Fargo,

The next thing I know is there is Cash Advance from XXXX in my Well Fargo account for US $ XXXX.-, and i talk with Wells Fargo ask them to transfer this money to my saving or checking account. they say all money taking out from this CC will be on 8 % cash advance cost. even as this are not their money,  WF ask me to talk with XXXX  and ask them to instruct me to talk with XXXX  as I did, and they denial any further transfer.

Now this amount sit in the Wells Fargo, and I can use this for normal buying, but not with any other use.

I am ready to return this money to XXXX  and cancel the card. But I are stuck.

Kindly give my advice. to do.

Thanks

XXXX XXXX
XXXX XXXX XXXX XXXX, AL 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 2019-12-04 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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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:
XXXX  ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) 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 2019-12-04 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/XXXX. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) 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 non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I recevied a call from " Alltran '' at my desk line. I advised her that I was not to receive calls like this at work and would she please send me a letter. My identity has been stolen before and my personal information compromised, so I do not do anything over the phone. She said she needed to verify my information and was incredibly rude. I sais please do not contact me at work, please send me a letter and goodbye. Immediately after hanging up our receptionists desk phone began to ring and Alltran was attempting to get in touch with our HR department. She has made repeated calls to HR since XX/XX/XXXX to verify my employment. Our company policy is that no verification will be made without the employees permission. Alltran was advised about the company policy by HR.

They have been calling non stop since XX/XX/XXXX. This morning, XX/XX/XXXX they faxed a request for employment verification. The fax cover sheet also indicates that the communication is from a debt collector- which is ILLEGAL. My HR forwarded me the fax. They are now not only harassing me, but also my employer. I have received no written correspondence regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We saw a note on our mortgage account website that PHH Mortgage Services was raising our monthly mortgage payment by {$350.00} a month. We called to find out why and were told that it was a shortage in our escrow account for the upcoming year. However, the amount for our winter taxes and our annual Homeowner 's policy are incorrect. PHH is showing our Winter taxes as {$3400.00}. This is the amount from last year when we did not own the house and it was NOT homesteaded. This year 's actual tax bill is {$2000.00} as we are now homesteaded. This results in a difference of {$1400.00}. Our Homeowner 's amount from PHH is showing as {$3000.00} a year when in actuality our policy premium is {$1200.00} annually. Resulting in a difference of {$1700.00}. PHH did receive a copy of this fro our insurance agent when they received the mortgage and we have proper documentation to represent our numbers. The total amount of the errors is {$3100.00}. We have spent days and hours trying to call PHH and get customer service reps outside of the US. We have asked for managers and what they refer to as " Escalation Specialists '' have yet to call us as we were told they would. We would like to get this fixed as soon as possible but can not find anyone within their company to help us. Further confusing this issue is if we take a {$350.00} a month increase through next year, it results in a {$4200.00} increase in our escrow account when even if their numbers were correct, that is still over and above the {$3100.00}. Our loan originated with XXXX  here in Michigan but was sold a few days after closing to PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am enrolled in the credit card " opt out permanently '' protection program. " Chase for Business '' has ignored my enrollment in this program and continunes to barage me with Chase Visa card applications. Ive contacted them three ( 3 ) times asking them to stop sending me these application but they continue sending them. Can you help me stop Chase 's violation of my " opt out permanently '' enrollment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I have Select Portfolio Servicing, inc. as my mortgage company. On XX/XX/XXXX I tried to make a payment online. It didn't go through, there was no notification on my side. I tried 3 different times on Saturday. So on Sunday, XX/XX/XXXX, I tried again so, my payment wouldn't be late or screw up the trial loan modification. The payment on XX/XX/XXXX I have a transaction id number. I do not have a transaction id number for XX/XX/XXXX. I checked my credit union account on XX/XX/XXXX, I found that the mortgage company had taken out 2 payments one on XX/XX/2019 and one on XX/XX/2019. I did get the mortgage company to refund the one payment, but not the extra {$30.00} to cover the payment for propane that I wrote a check for on XX/XX/XXXX. I believe that the mortgage company should pay for the {$30.00} to cover their mistake. I sent 2 different emails to alert the mortgage to this problem. No contact from the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: VA

Complaint narrative:
I have tried to reach out to Student Credit Union Connect on this number XXXX, but I am unable to get a response or leave a message. My account with the credit union has been discharged, but the money that I have paid on the original balance has not been reimbursed to me. I don't have any of my receipts, however my original balance totalled more than {$8000.00} and at the time of which the account was closed, I owed a little more than {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in  {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it. 

The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.

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 2019-12-04 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: WA

Complaint narrative:
The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.

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