vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Child Support Recovery Services, Inc.
State: DE

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX debt was sold to CSR I was not aware of this and had paid the doctors bill office the money due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX WAS NOT REMOVED FROM EXPERIAN ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Factoring Company Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$970.00} {$970.00} Terms : 1 Month These are not my accounts. Per where they stated they originated, they have no such store here. I don't own the property they speak of. I have contacted the companies and they still placed the two accounts on my credit report. They continue to report inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of Transunion inquiries issue and their customer support does not want to help their customers to remove all those fraudulent inquiries from the report. 

XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-05-25 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: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened >>>>>>> 1XX/XX/XXXX and XX/XX/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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have a hard inquiry on my credit file from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX sent me a removal inquiry letter because they pulled up my credit report by error. I spoke with TransUnion customer service her name is XXXX, she told me to fax the XXXX XXXX XXXX removal letter to her XXXX and she is going to have that hard inquiry removed. I called the next day to make sure she received the fax and the customer service told me that she did not receive it. I called again and spoke with XXXX in customer service and she had me re-send the fax to her, I called to confirm if she received the fax and she told me that they did not receive it. On the XX/XX/XXXX I called TransUnion customer service again and I spoke with XXXX and he told me to re-send the fax and that he could not see that I sent a fax. I also confirmed the fax number with him again. Since the first conversation on XX/XX/XXXX I sent the XXXX XXXX XXXX removal letter a total of 4 times and they keep saying that they are not receiving it ... I find that very inconvienient because I am sending faxes and it is costing me money. TransUnion is not following the law by not following the Fair Credit Reporting Act. I am going to be attaching the faxes that I sent and also will be attaching the XXXX XXXX XXXX removal letter.

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 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: SC

Complaint narrative:
XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT

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 2018-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: IL

Complaint narrative:
My ex husband used my personal information to open this credit card account without my permission. Once I found out about the card, I attempted to maintain it and make the minimum payments but struggled doing so. 

XX/XX/2017, I closed the account due to high interest and set the payments on autopay. Somehow, the autopay payments weren't being received resulting in several late payments on my credit. 

Once I was made aware of the derogatory status, I got caught up on the payments and as of the past couple weeks, I've paid the account off in it's entirety. 

Though, I did my best in maintaining this card, the fact remains that it was opened fraudulently without my permission.

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 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
I have recently tried to fix my credit. There was a collection of {$99.00} that XXXX XXXX XXXX XXXX said that I owed. It was sent to RSI Enterprise collection agency. It went against my credit back in XX/XX/XXXX .... It is now XX/XX/XXXX, and I found out that my insurance paid it, so I disputed it on ALL 3 Credit Bureaus. The Bureaus declared it was paid, so they removed it from ALL 3 Bureaus. 2 days after the Bureaus removed it from my credit, I got 3 more bills from the collection agency saying I now owe a 1 ) XXXX bill, 2 ) {$98.00} bill, and 3 ) {$19.00} bill, that totals {$130.00}. I haven't received ANY BILLS from this collection agency since XX/XX/XXXX or so ... .I haven't been to that doctor since XX/XX/XXXX. How can the collection agency pull NEW BILLS out of the air. I believe it is fraud, but can't prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm trying to send money to myself overseas using XXXX XXXX but Capital one refuses to let me use the service blocking XXXX XXXX from removing the funds from my account. Forcing me to use their credit card so I can pay {$30.00} fee plus interest on money advance when I have funds on my bank account. I tried to contact them twice and the last time the person who I spoke with told me that was nothing they could do about that. That they would not allow XXXX XXXX to remove the funds. The money is mine they can not force me to pay fees that I wouldn't if I had a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
While I am on vacation I noticed a debit card purchase that I bought through XXXX  I was issued a recurring payment that stated the funds in the amount of {$84.00} that would be withdrawn from on my account that it was a one time purchase. Upon reviewing my bank statement and seeing this was a recurring payment I first contacted Wells Fargo who basically told me there is nothing they could do to help me because it was a 3rd party charge and basically rushed me off the phone and advised the 3rd party to request a a stop hold, which I did. They advised I contact XXXX or Wells Fargo as the only way I could stop a payment is through them. XXXX was almost impossible to get to get in contact with but I managed. Again advised this was an issue with Wells Fargo and it would be an internal review that would take a look at the claim within 48 business hours and that my checking account could be hit again aand again with automatic debtors on my checking/debit card account until the issue was resolved through Wells Fargo. I contacted Wells Fargo back who seemed very combative and did not wish to positively resolve the issue with a seemingly easy result. The representative was almost argumentative in way I had to say and was told there was nothing he could do but put a freeze on the account and possibly stop the funds from being withdrawn again. POSSIBLY, really! I explained my story over the 2nd and 3rd and 4th members of the management team who only had the same useless explanation. They told me there are 0 guarantees that my money would be refunded if debits again and may have to be reviewed again by other department. Totally unacceptable that I would call and waste several hours of my vacation time to fight with a financial institution about the protection and guarnttee of my money that is deposited into a protected financial account. The only names I was able to retrieve were XXXX XXXX, who forced me into listening to a XXXX   disclosure, followed by XXXX, then XXXX who all seemed to back XXXX b/c he was forced into reading me a disclosure b/c he was forced to to cover his supervisors XXXX, which was used against me whenever I had something to say that I was read a disclosure I never agreed to to listen to! What a joke! I hope you can listen to these calls and teach Wells Fargo employees how to act and be truthful to their customers! Bye, bye Wells Fargo! Hope you all can whip theses guys into shape into being a successful bank again!

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 2018-05-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Accounts XXXX and XXXX were added without my knowledge. Furthermore, I have no knowledge of the accounts that are reported. I contacted Equifax and reached out to the companies reporting. I still haven't received any information regarding accounts and Equifax is still reporting. No other credit bureau 's are reporting XXXX account. Now, recently they added XXXX to my credit report without my knowledge. I do not recognize these accounts and do not belong to me. It has also been past the 30 days allowable timeframe, as I've been in contact regarding these accounts since XX/XX/XXXX. This is in violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: TX

Complaint narrative:
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : 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 2018-05-25 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: TX

Complaint narrative:
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Under my Social Security I have other SS # XXXX that isn't my social security #, please let me know what I need to do

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 2018-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I bought an XXXX XXXX from a seller on XXXX. He told me to pay through pnc XXXX. I had never used the service before and figured seeing as it was through pnc that it would provide me with the same protections my bank did. He didnt ship the item and just quit responding to me. So now Im out {$600.00} and apparently nothing can be done. XXXX and pnc should legally be forced to fight fraud or pnc shouldnt be linked with XXXX if it allows fraud to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>>> XX/XX/XXXX and XX/XX/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 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I knew i had late fees for not paying my credit card bill ontime yet the credit card company has abused their power to contact me and my family, i mean, they call atleeast 20xs/day. They have been contacting my parents and harrassing them, making assumptions and accusaions. i have contacted the credit card bank to set up a payment plan and they have agreed to follow up with that plan regarding my financial situation and not being able to pay on time, therefore the past week has been excessive phone calling abuse and saying harrasing things to my family.below is the number that has been calling me with harrasing words as well as one of The XXXX XXXX   numbers in specific order. 
Random number : XXXX ) XXXX XXXX : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
I only borrowed {$300.00} and have made 8 payments of {$75.00} and they are saying I still owe {$150.00}. I don't think its right. All American Loans located XXXX, Oklahoma

Company response to consumer: Closed with explanation