vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a letter from 5/3 Mortgage/Bank stating that my escrow payment had a shortage of about {$390.00}. I thought this sounded a bit high, so I did some investigating. 
My taxes went up {$160.00} and my insurance went up {$85.00} giving us a total of {$250.00}. 
After about two hours on the phone getting transferred from on person to another ( none of which could answer my simple question as to why my escrow went up by more that my taxes and insurance ), I asked to see the math used to calculate this amount. 
Since has been a federal law for well over 200 years, I did not think that his would be a problem. 
For no apparent reason, they needed me to submit a request to them in writing??? 
I sent them my request by mail as instructed. 
I received a letter fron 5/3 bankdated XXXX XXXX, 2019 stating that an issue number had been assigned ( # XXXX ) and that I would get my requested information in 15-25 days. The letter was from XXXX XXXX, Office of the President. 
Nothing was ever sent to me by that time frame. I left messages on XXXX 's direct line on XXXX-19, XXXX-19 and XXXX-19 and the calls were never returned nor any letter ever sent. 
I filed a complaint with the XXXX  XXXX  XXXX  on XXXX XXXX, 2019 regarding this issue, and they have 5/3 Bank under investigation at this time. 
On XXXX-19 I spoke with XXXX at Consumer Finance.Gov and filled out a complaint form and mailed it in. Apparently it was lost somehow, which is why I am sending this letter again today. 
I received another letter dated XXXX XXXX, 2019 on on XXXX-19 ( doesn't that seem strange?? ) Obviously the letter was dated falsely to cover themselves. 
This letter was from XXXX XXXX, Office of the President again stating that I would get a response within 15-25 days. I called and left a message on here direct line requesting a response postmarked that day since it had already been 60 days at that time. 
Still no response. 
It is quite apparent that 5/3 thinks they can circumvent Federal Law, which makes this a Felony offense. Also back dating a letter which was mailed 8-10 days later than claimed ( another Felony? ), not sure on that one. 
Please investigate this as soon as possible. 
My loan account number ends in XXXX Best Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX # ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH

Complaint narrative:
In XX/XX/2019 I received a phone from someone at the Kinum Inc. regarding a medical bill. At this time I told the representative that I shouldn't have a bill because I pay my copay every time I went to the dr office. I have all of my receipts for this. The representative started yelling at me saying I better pay my debt. At this point I hung up the phone. About a week or so later I received the official letter from Kinum stating about the bill they had called me about. I immediately wrote them a letter on XX/XX/2019 saying I'm disputing this bill for XXXX XXXX XXXX. Please send the validity of this account to me so that I can cross reference with payments already made. I then sent this letter certified mail with a return signature received card to Kinum on XX/XX/2019. Kinum never sent me my request to see the bills. I received the return signature card back stating that they had received the letter On XX/XX/19 I  received a phone from Kinum talking about this debt. I told the representative that I sent them a certified letter and they never responded. The representative couldn't find the letter so since he didn't see it I never sent one. I told him by law they needed to respond to my letter and they never did. Instead they put this debt on all 3 of my credit reports because they did not want to do there job. The representative started yelling at me and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capitol Accounts LLC repeatedly calls about a disputed debt even after I asked them to stop calling. They have called 4 times in the past 2 days, each time I have told them the account is in dispute, please stop calling. The representative states they will not stop calling until I submit a Cease and Desist letter but refuses to give me an address to send it to. They call multiple times in a day from multiple different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under the FCRA, the XXXX Credit Card now HAS to be removed from my reports from all bureaus. I have sent them a certified letter asking for ORIGINAL CONTRACT, PHYSCAL SIGNATURE, RECORDING BY VIDEO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. Furthermore, I asked, if this account has been sold, who was it sold to, how much was it sold for, etc. They, by law, had 30 days to respond. The have not. Therefore, under FCRA, this account has to be removed immediately. 

Attached is PROOF that if they company itself can not validate or verify the account with ME, whom they choose to report as having an account, there is no way the bureaus have HONESTLY been able to VALIDATE or VERIFY and be able to report an longer.

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 2019-12-05 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-12-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax in XXXX 2019 asking for evidence of how accounts were being verified on my account. I never received this information only the echoed words of the creditors. I understand that the accurate reporting of accounts on my credit report is not only the responsibility of the creditors but it is also the responsibility of the consumer reporting agencies. I also have a recorded phone call of an Equifax representative openly admitting that the verification process is simply a digital yes or no response from the creditors. There are no additional steps taken to ensure the creditors are providing accurate information to the consumer reporting agencies. The FCRA states:(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report itshall follow reasonable procedures to assure maximum possible accuracy of theinformation concerning the individual about whom the report relates.Equifax has not provided resonable procedures to assure maximum possible accuracy of the information concerning my report as they are only requiring creditors to relay their own responses without the requirement of evidence to support their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
On XX/XX/2019 I contracted Equifax, XXXX XXXX, and XXXX, about updating my credit report to show that my student loan were closed. I also sent each of them a copy of the letter from the Department of Education, showing that they were discharge. I received a letter from Equifax on XX/XX/2019 that the account were open and accuracy which tells me that they did not read or investigate the letter I sent or did they contact the Department of Education. Amount to be removed or closed account {$190000.00} and {$32000.00} on credit report. The Equifax Confirmation letter XXXX. 

I wrote another letter today XX/XX/2019/ As a XXXX   veteran, I find it hard to believe that I am writing your company once again about updating my credit report. Let be care I sent your company a copy of the letter for the department of education that my loans were closed, as well as forgiven XX/XX/2019. Yet you write me back stating that the information was accuracy, I understand the information about the loan are accuracy, but you have open in good standing on my credit report, and it should show closed. I have contacted the, CFPB, the State Attorney General office as well as the Department of Education to contact your company right away about the problem. I am giving your company one last time to correct this ASAP, and put account paid in full and closed. Before I contact an attorney. 
Base on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
I received multiple calls from this place today. They also called my place of work and GAVE OUT MY SOCIAL SECURITY NUMBER over the phone to my boss. We have the same first name, so there was confusion. The person who called didn't give the last name of the person they were contacting, so my boss thought the call was for her. The person then tried to get my boss to confirm my social security number. How is this legal??? All they asked was "Is this XXXX" and my boss IS a XXXX, so she said yes. They didn't say a last name, or what they were calling about, before blurting out my entire ssn. I called the number back when I got home and the woman (her name is Mrs. XXXX) was extremely rude and aggressive with me, and made excuses for why they gave out my social to a random person. I have no idea what the debt is even about, student loans or credit card (both of which I'm already paying on).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Fedloan Servicing has a total of 10 loans in my name.  Fedloan was notified by my school that I was enrolled since XXXX 2019, however, they put a 90 day delinquency on all my credit reports in XXXX   2019.  Their internal records have been updated, however, they failed to update the credit bureaus of the error and to make the correction to all 10 of my loans which they are reporting.  I was advised I had to go through a process to have the information corrected despite the fact they had already been notified and had updated their internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a notification through my credit monitoring service that my account with SYNCB/PPC was closing. The problem was I didn't have an account with them, to the best of my knowledge. I searched their name and dug up that it was somehow related to Paypal, an account I do have but have not closed in any way. In my search, it appears numerous other Paypal customers are being confronted with this issue of having some account related to Paypal in their named closed despite not recognizing the account or having any knowledge of ever having opened a credit account under Paypal. This has resulted in a lowered credit score for myself and others, and it's hard to tell the scale that this has happened at. There seems to be no trail of Synchrony informing Paypal customers of this issue, for myself and others who are reporting this issue across the web. I am concerned for those with more vulnerable credit scores than myself and the ramifications of this issue for them.I encourage others running into this issue to file a complaint with the CFPB to get this issue proper attention.

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 2019-12-05 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: CO

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 2019-12-05 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed 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 2019-12-05 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: GA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed 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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Although I do not owe this company and the debt is a result of identity theft, this company is reporting a debt that I do not owe. 

I've spoken to innovative on several occasions they insist on sending me to other companies. 

INNOVATIVE RECOVERY INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was contacted several times by XXXX XXXX XXXX. After they called my husband, I contacted them on XX/XX/XXXX. They had told my husband that a sherrif had been sent out the week prior, but we were not home ... this would have been XXXX week, we were here. They said they had sent me a letter, I have not received this, I asked for a validation letter to be emailed to me. I received an email, it did not state how to dispute the claim. The caller told me it was an old credit card debt that had been closed and charged off in XXXX. I told him I would contact the creditor directly XXXX Wells Fargo XXXX, he told me that they no longer hold the debt. He would not tell me who now held the debt. I asked him not to contact me nor my husband again. He told me I would be getting contacted often, and they would be calling my husbands work. After asking for the suite number of his office, he got very rude and after asking several questions trying to determine the validity of his " law group '', he hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Shortly after opening my account with M & T bank and funding the account they suspended my bank to bank transfer ability. Over the course of 7+ phone calls with three departments spanning more than a month, they continually told me that my account would be suspended 'by the end of today ' or 'by close of business tomorrow ' and they continued to not make good on this promise. Then after 4 weeks, last week ( the week of XX/XX/XXXX ) my bank to bank transfer was suspended and I was able to transfer money in. Right as I tried to transfer money out they refroze my account and are continuing to tell me 'it will be resolved by the end of the week '. They are refusing to let me transfer out thousands of dollars and won't even let me close the account. Their actions have created a large financial strain for me and they have continued to not make good on their promises to unsuspend my account, while letting my transfer funds in and refusing to let any funds be transferred out.

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 monetary relief
Consumer complaint received 2019-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
We have called SLS to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX  some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. SLS refused to talk to XXXX  about the situation.

I have never filed bankruptcy nor before this issue have I had any issues with my credit.

XXXX  has resolved the issues and fixed my credit back to 100 %. SLS has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

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