vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 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: MD

Complaint narrative:
On vacation in spring of XXXX, I went to visit my family in New York XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX Bank and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was XXXX XXXX in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX Transunion, and XXXX about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. XXXX refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this 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 2017-10-16 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: MD

Complaint narrative:
On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was medically retired in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX XXXX and Experian about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this 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 non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have repeatedly disputed debt of {$1000.00} that is not mine, which Portfolio Recovery Assoc. claim I owe. In disputing I have repeated requested verification of this debt showing that a legally binding contractual obligation exists between me and the creditor. I have also requested explanation of the claimed amount owed, and how that amount was calculated. I have specifically requested copies of the original credit card application, and documents containing my signature ; of which I have received none. PRA just keeps sending me a copy of an old bill from the " original creditor '' XXXX XXXX. I have disputed this inaccurate data and have requested proper verification of this debt at least five times this summer alone. I sent a final notice on XXXX XXXX, 2017 stating, " This will serve as your final notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all collections with me in regard to the account referenced above. This account remains unverified and should be removed from my credit report immediately. As I am sure you are well aware, under FDCPA section 809 ( b ), you are not allowed to pursue collection activity until the debt is properly validated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information with.

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 2017-10-16 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:
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX I was under the mortgage modification program with XXXX XXXX. I follow the plan with payments. All payments were on time. XXXX XXXX reported my mortgage late 60 days to all credit bureaus. I called to dispute this with XXXX XXXX and they said there is nothing they could do for me to correct the mistake. I disputed the information with the credit bureaus and XXXX XXXX did not correct the error. I received a letter from XXXX XXXX XXXX saying they made the error. This error caused my refi request from XXXX XXXX XXXX to be declined. This error cost me Thousands of Dollars in interest because I could not refi the XXXX XXXX Loan. I am still paying 1.0 % over the current rates today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their company.

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 2017-10-16 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:
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

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 2017-10-16 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:
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( 2 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: David N. Hull Attorney at Law P.C.
State: MT

Complaint narrative:
i sent payment in full on a debt for XXXX the payment was refused and she added on over 150.00 in fees and threatens to take more legal action against us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: OH

Complaint narrative:
I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery added a debt to my credit profile without notifying me about the debt in advance. 

On XXXX XXXX, 2017 I received a notification that Portfolio Recovery added a n account XXXX XXXX XXXX XXXX to my credit file. I was in the process of verifying/confirming the debt with XXXX XXXX and they removed the account from my credit file and two months letter it was sold to Portfolio Recovery and put back on my account. I was never notified of this debt and I know its against my Consumer Credit rights to add any accounts to my file without proper notification. This addition to my credit file dropped my score down immediately. 

Please investigate my claims and make appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I have attempted to resolve this issue with Quicken Loans three times now with the continued generic response and non-compliance under the Fair Credit Reporting Act. Quicken Loans has failed to provide me with validation the inquiry was initiated by me. Per the Fair Credit Reporting Act 15 U.S.C. 1681g, I have the right to demand that you physically disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. You continued verbatim response of, We have proof you applied, is insufficient and non-compliant for the act and my request. I am demanding physical validation of the inquiry and that it was initiated by me, including any documents I physically signed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. The inquiry in question on my reports are unverified and unvalidated. Quicken Loans insists I was the one who initiated the inquiry when I was NOT. I have placed fraud alerts on my reports yet Quicken Loans refuses to comply with the Fair Credit Reporting Act and continues to report fraudulent activity to XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? 
By the way, we were not informed by the insurance company that they canceled our account. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.

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 2017-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.

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