vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: VA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: VA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-27 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: VA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother passed away in XXXX. She had an IRA account at Wells Fargo with about {$45000.00}. I am one of 3 equal beneficiaries of the account. I properly filled out a Wells-Fargo " IRA Beneficiary Claim Request '' form requesting my portion of the funds. The form requires a Medallion Guarantee. On XX/XX/2019 I went to my local XXXX XXXX XXXX branch which is one of the banks I do business with. They said their policy is that they can't do the Medallion Guarantee unless the funds are being deposited into an account at XXXX XXXX XXXX. I went to a local Wells-Fargo branch with the form and was told that they couldn't do the Medallion because I didn't have an account with them even though I'm a beneficiary on the account. I also contacted another one of my local banks ( XXXX XXXX ) but was told they don't do Medallions for less than {>= $1,000,000}. At this point, I have no way of getting my funds from them except for their form that is specifically for this transaction, Wells-Fargo has my funds and will not do the Medallion on their own form to release the funds to me. Any assistance would be greatly appreciated.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: WI

Complaint narrative:
The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Original Debt was from XXXX XXXX. One line of four ( verified not used in a year by XXXX and Diversified Consultants ) not closed out when I switched to different carrier. Collection agent confirmed. Original debt was XXXX. 

Diversified Consultants, Inc. collection company received account. Negotiated and paid a settlement of XXXX paid in two installments. Diversified Consultants representative XXXX XXXX is the agent I worked with. Received confirmation that debt was settled and account closed on XX/XX/XXXX. On XX/XX/XXXX I received another bill ( collection ). There was a one digit change to the original account number XXXX to XXXX. Supervisor claimed it was for another line ( sub account ). Never received any other bill from XXXX. 

Contacted by Diversified Consultants and told them the original debt was paid. Supervisor interrupted and claimed what I payed was a sub account and this was different. Willing to take all steps necessary to end this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This collection agency popped up on my credit report on XX/XX/20/17 and I have been disputing this with them every since then. I sent them a HIPAA verification letter as well as a debt validation letter that they have not responded to. This is not a debt that I owe because I had health insurance that was not run or charged at that time and I have told this collection agency this as well. They need to remove this from my credit report and update with the bureau 's immediately especially since they are not responding to my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA is in direct violation of several FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.

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 2019-03-27 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: CL Holdings LLC
State: FL

Complaint narrative:
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX  and XXXX ) and not XXXX. All of this occurred around XXXX XXXX. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by LVNV Funding on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I have not given permission to any original creditor to sell my debt to a third party. I have Financial Recovery Services send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I initiated a balance transfer on XX/XX/2019. I transferred {$1200.00} from my XXXX card to Capital One to bring down the Capital One balance. The money left XXXX and posted to my account on XX/XX/XXXX. The balance is still not posted to Capital One. I reached out to both companies several times, and Capital One said it was posted to an account that does not exist on XX/XX/XXXX. They got the correct number from XXXX while they were on the line with me. They have said this would be resolved in three to five business days. It has still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, 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 2019-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I was a cosigner on an auto loan with my ex wife and we divorced and it was stated in the divorce decree that she will take up the payments and be responsible for the auto loan. I remarried and applied for a mortgage loan and was notified that I had a repossession on my report from that auto loan. I called the auto loan company and asked them what i could do because I could not have that on my credit. I asked for the car back and they notified me that the cal was sold but not once did I receive mail or any call informing me about the repossession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a cardmember of AMEX for 21 years. I have 2 Business Platinum products ; one of which I was recently solicited for with a points offer that was miscommunicated and misrepresented ; thus I wrote to the CEO of AMEX, XXXX XXXX, as I was getting nowhere with AMEX Membership Rewards. I was contacted by AMEX Executive offices after sending this letter ( fyi there is no way to phone and XXXX out to a human at the AMEX Executive offices after the initial contact ). While examining my complaint, the AMEX Executive offices somehow put my Membership Rewards Account in a " review status '' which has locked my rewards from being utilized for six to eight weeks. AMEX Customer Service can not unlock ; AMEX Membership Rewards can not unlock. I have spoken to numerous supervisors. I have spent a good 10+ hours of my time this week trying to escalate this issue. I opened report XXXX with Customer Service, I have emailed the executive offices ( XXXX XXXX - who was assigned to me ), phoned and left messages for this individual ( as you can not zero out ) ; as well as put a second written correspondence in the mail to XXXX XXXX. Still no resolution. AMEX is holding my rewards points hostage and I can not utilize them. Meanwhile, I have a Mother that is ill and I am trying to book a flight to see her ; but can not utilize my points. This is unacceptable service by AMEX,  specifically for a cardholder of 21 years with 2 Business Platinum products. Please seek resolution on my behalf. It is very possible that other cardholders have experienced same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: IN

Complaint narrative:
left vm on XX/XX/19 at XXXX to call Balanced Health at XXXX. Then called again from phone # XXXX at XXXX, then phoned again at XXXX from phone # XXXX. I have never received any mail correspondence from these people and when I asked for it today I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CRA in violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.

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 2019-03-27 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have Advanced Collection Bureau and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and Portfolio Recovery Associates reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im reaching out because somebody at equifax screwed something up yet again, so im sending this in to basically say, please FIX THE ISSUES!! I sent in a cfpb complaint about equifax on XX/XX/XXXX or XXXX and received a reply pretty quickly, They didnt answer any of my concerns, like, at all, but thats a different issue, my point is they said they sent me my credit report, but i havent received it yet? The one that took three months to get as of XX/XX/XXXX and im hoping wont take another three months. I do have an open complaint with equifax at the moment but please dont mix that one and this one up, my only concern in this complaint is where is the report i was promised on my previous complaint? This is way longer than 10 business days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have applied for Citi Rewards + card by phone on XX/XX/XXXX, provided my current address and phone number. I have read the advertisement and believe I am qualified in regards to credit worthiness. Yet I was still denied for the card for the reason I am not a US citizen/permanent resident, whereas the terms and condition says nothing about the nationality restriction of phone application. I did provide a valid US address ( where the rejection letter was sent to ) and my current phone number. Besides my citizenship, I did not reveal anything about my permanent address overseas during the entire phone application. When I called the customer representative of Citi, their answer is that non-US residents have to apply on branch and the decision can not be reconsidered. Even though it is a student card, a hard pull has already been conducted and negatively affected my credit score this month.

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 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me.

( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the  current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. 
-- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation