vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was involved in a fraudulent transaction involving Ms. XXXX XXXX from XXXX Missouri who indicated she had a XXXX XXXX XXXX XXXX XXXX for sale. XXXX had indicated in her correspondence that vehicle was to be shipped by XX/XX/XXXX once the vehicle was sold to a buyer. 

Come to find out, this was all part of an internet scan involving XXXX XXXX and XX/XX/XXXXXXXX. I was informed to wire {$9000.00} into a trust account held at wells-fargo bank in the name of XXXX XXXX. That once the vehicle arrives, I will have about a week to decide if I wanted to take possession of the vehicle. ( see emails from XXXX XXXX and XX/XX/XXXXXXXX ). 

{$9000.00} was wired into a Wells-Fargo Bank account at XXXX XXXX XXXX, XXXX MS XXXX into account holder XXXX XXXX XXXX account that was setup as a trust account. 
See XXXX XXXX XXXX address. Come to find out, this was a SCAN as XXXX and XXXX XXXX did not deliver the vehicle on Monday as planned. Attempted to reach out to XXXX and XXXX XXXX, but to no avail. 

Immediately contacted my bank, XXXX XXXX XXXX in XXXX XXXX, MN and reported to the Fraud department that a scam had taken place. XXXX reached out to Wells-Fargo to freeze the account but was told they could not do anything about the situation. I also called and spoke with a Fraud Department at Wells-Fargo, but was informed no information will be provided to me as I do not have an account with Wells-Fargo and they have to protect their client 's interest. Informed them that this was a fraudulent transaction, but to no avail.

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 2018-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: CO

Complaint narrative:
The company " XXXX XXXX XXXX '' keeps sending us junk mail about VA refinances. The problem I have with them is the " Final Notice '' portion that appears on the envelope through through the transparent section next to our address. This deceives into thinking it might be a late bill, jury duty, etc. Fortunately I am aware of deceptive tactics like this but others may be fooled. Please make them stop using deceptive tactics like this.

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 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i am victim of creditors and attorneys, due to sudden XXXX of my husband Mr XXXX XXXX with XXXX XXXX, i end up with XXXX XXXX so my family went into disaster of life. 
i defoulted into late payments for mortgage, we owed bank very small amount of money compare to loan we took, i payed them regularly until husband XXXX.i got sick, bank forclosed and auctioned the house, i begged and pleaded the forclosure attorney to give me three days to get money out of my 401 k to pay off remaining loan balance they told me someone will contact me next day, no one called me back when i called them next day they would not take my call, later following day for closure attorney said your house is allready auctioned you have to get out of the house.bank used up 18 yrs of equity i had in the house,18 yrs of payments,XXXX dollar down payments from saving, all went away. 
now i cant have any decent home for my family, i am thrown into creditors and credit repairs and collection agencies, this is the dream of american family, we buy houses we pay mortgages when hard time come or husband XXXX, then family get thrown out and loose everything, except loosing bad credit, bad credit is labelled on me now, after loosing everything ... ..

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The XXXX XXXX XXXX XXXX is suppose to be reporting monthly, the accurate balance, and payment status as current, but the latest credit report shows it was reported on XX/XX/2018 as showing the incorrect balance owed, and I have spoke with a bank represenative a month ago to try and resolve the issue to no avail. It is not helping my credit score to report inaccurate information. I have tried to resolve it but they are still reporting the wrong balance as {$370.00}, when I actually owe {$290.00}. MY credit report says the last time it was updated was XX/XX/2018. The account # for the secured loan, is, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: CA

Complaint narrative:
I have 4 active accounts with XXXX, I make payments on all of them each month for the past 2 years. On XX/XX/XXXX XXXX XXXX  obtained a copy of my credit report without my permission or knowledge. I am currently disputing the 30-day late payment with XXXX XXXX that they reported to all 3 major credit burrows, during the complaint and being aware that I am purchasing a house and I am in an escrow, XXXX XXXX put a hard credit inquiry on my Experian credit report. XXXX actions completely destroyed any chances that I had of getting a mortgage loan. 

Plese, find attached a screenshot from my Experian account showing date of credit inquiry and creditors name. 

I want this to be taking care of as soon as possible.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This collection agency, National Credit Adjusters, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " XXXX XXXX '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed 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 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
I payed XXXX dollars for Gap Insurance an expected XXXX dollars return.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

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 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Accounts Service
State: CA

Complaint narrative:
In my opinion, this company is sending collection letters with threatening language claiming a negative credit reporting 'will ' remain on credit records for several years. The letter also generated a false sense of urgency like the sentence : Warning! This matter is very important to you and to your credit report. This is the text for a medical debt collection, the language could have been more emphatic. 

Full disclosure : The concerned debt didn't exist at first place ( false  reporting to original creditor ) so no debt resolution or contact with collector was required. 

There is also a potential debt trap as they are asking for credit card details to repay the debt. Its potential because it is not clear if in the letter they are referring to VISA, Master Card etc for debit card or credit card is also accepted In my case this was an erroneous reporting but it hurts to learn that many other less fortunate who are already suffering are getting similar harsh and potentially misleading communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX  {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX  XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: NY

Complaint narrative:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. XXXX XXXX is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed 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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I contacted Experian after being denied housing due to my credit report. After imitating several disputes and spoken with a customer rep. I requested a copy of the consumer contract of all account that are affecting my account negativity as well as the the companies that have pulled an hard inquiry on my credit without my consent and the customer rep refused to mail it to as well as any other information that would verify that these are my accounts. Or I have given the companies permission to access my account and pull a hard inquiry The companies are- whom are negatively reporting XXXX XXXX XXXX and the actual debt had already been reported once and removed and.now being reported again. 
The customer rep refused my right to exercise my rights according to the la The hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspecified reason XXXX XXXX XXXX XXXX XXXX XXXX- unspecified reson XXXX XXXX XXXX - unspecified reason XXXX XXXX XXXX XXXX XXXX unspecified - XX/XX/16

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 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX  " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

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 2018-08-21 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " Caine & Weiner '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

Company response to consumer: Closed with explanation