vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 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: CORELOGIC INC
State: CA

Complaint narrative:
XX/XX/XXXX there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XX/XX/XXXX new credit inquiry from CredcoXXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX ) XX/XX/XXXX - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I recently found out while getting my credit check for a home loan that I had an account in collections from XXXX XXXX now called XXXX XXXX for {$44.00}. I never received a called or letter from this company. Also XXXX never reach out to me, I have the same phone number for more than 10 years and all my letters were forward to my new address. I need this remove from my credit because I never received proper documentations or calls to fix this issue. I pay XXXX thinking this will help and I ask them kindly to send me a letter of deletion of debt to remove this account of my credit and they refuse. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: OH

Complaint narrative:
The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.

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 2019-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My sister was diagnosed with XXXX XXXX and she lived with me for an extended period of time and I was responsible for her care and expenses. She is now deceased and I have requested a mortgage modification to bring my mortgage current. Wells Fargo is unwilling to assist me with saving my home from foreclosure. I was told I could bring the mortgage current or sell my property. I don't want to lose my home, I feel I am being discriminated against because of my age. I need help.

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 2019-05-28 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: OH

Complaint narrative:
The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.

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 2019-05-28 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies placed an account on my credit reports in the amount of {$330.00} and after several attempts to get validation of the account the company has failed to provide said information. I would like the account removed promptly from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Monday XX/XX/XXXX I negotiated a vacation rental with an online offeror. I received a rental agreement via email along with a request to send funds via XXXX. XXXX is an electronic money transfer program endorsed by my bank ( Bank of America ) and  is accessed through my bank 's mobile app. This is unlike other third party money transfer options, such as XXXX. 

I transferred {$2500.00} from my account to the offeror. The funds show up on my online banking profile as " processing '', as this was a holiday ( XXXX XXXX ). 

The property being offered for rent was fraudulent. I sought to recover the funds from the offeror. I tried multiple times through the app to recover the transfer. This was met with no response from the recipient. 

I attempted to contact my bank 's fraud department. After multiple attempts, I was informed that due to the nature of my request, the department I needed to reach was unavailable until regular banking hours the following day. 

I contacted my bank 's fraud department on Tuesday, XX/XX/XXXX. Once I was able to reach the correct department, I was informed that, not only was the department open on Monday, but I could have reached them while the transaction was still in a " processing '' status and potentially recover the transfer. 

Unfortunately, this information was too late, and the transaction moved from " processing '' to " posted '', and my bank was unable to recover the funds.

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 2019-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
***CRIMINAL INTENT TO DEFRAUD BY NATIONSTAR ATTORNEY***NATIONSTAR IS REFUSING TO ACCEPT PAYMENTS ON A LOAN THAT IS CURRENT*** We spoke with XXXX XXXX @ XXXX in Customer Service escalations and we also spoke to XXXX XXXX in XXXX Texas . BOTH confirmed that Nationstar put a " code 91 '' on the file ... AN INTERNAL INSTRUCTION TO REFUSE TO SERVICE THE LOAN in direct violation of Federal Law. They claim to have an attorney handling it but the Attorney never returns phone calls .... THEY ARE TRYING TO STEAL THE HOME AND DEFRAUD THE FEDERAL GOVERNMENT ... An update on this case We have the mortgage broker admitting loan origination fraud making everyone else guilty of intentionally misleading the Senior citizen victim. Attached are an updated list of additional violations. Retaliation is illegal. The Victim is simply enforcing their consumer rights .... PLEASE HELP .... THIS IS HOW THEY ARE STEALING HOMES .... FRAUD .... NATIONSTAR INTERNAL CODE 91 A REFUSAL TO ACCEPT THE XX/XX/2019 PAYMENT IS RETALIATION FOR FILING A LAWSUIT PLEASE SEE CASE # XXXX XXXX XXXX IN XXXX COUNTY THESE CRIMINALS ARE GUILTY ... GUILTY ... GUILTY ... AND ADMITTED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
XXXX, at the Heights Finance office in XXXX XXXX, lies to consumers about the law and the terms of ther contract and tries to bully them into additional commitments. First of all, my interest rate is greater than what I was told it was when I took the loan. Second, my payments are due on the XXXX of the month. I have been a day or two late in the past, but never more than that. This month ( XXXX ) I notified them that my payment would be 12 days late and that I would make it on the XXXX. I was informed by XXXX that I could skip the {$80.00} payment if I made a {$27.00} payment over the phone and my maturation date would just be moved to a month later. I told her I didn't want to do that because it was another month of high interest rates. She then informed me that I was then *required* to come in to the office ( which is 40 miles away ) for a " good faith visit '' today. When I told her that wasn't legal, she said it was part of my agreement with them and I disagreed pointing out it was nowhere in the paperwork and I would not do it. Then she told me they were going to call me every day until they " got their money ''. I reminded her that at that point I was only 2 days past my due date, not 30, and calling me every day would constitute harrassment. I would pay my regular payment and any late fee on the XXXX. She told me she could and would call me every day whether I liked it or not, unless I came in for a good faith visit. She has called several times since, and I just haven't answered, but today, after she called me and I ignored it, I called back hoping for a better interaction. She informed me that if I didn't pay within 7 days of my due date they would report me to the credit bureau and I needed to come in for a " good faith visit '' or pay immedately to avoid my credit being damaged. I told her that I was already past 7 days as it was due on the XXXX and it is now the XXXX and that they legally can not report me until I am 30 days past due and I am only 10 days past due. She said I was wrong and that I had to " come in or pay right now or they'll report me. '' I told her that is not true and I know the law. She then said " You better pay on the XXXX or we'll report you! '' in a very angry voice. As I said, I am only 10 days late. I notified them in advance that I would be, and I have never been more than a day or two late with them in the past. This predatory lender lies to consumers about the terms of their contract, and tries to bully them and lies to them about the law. XXXX at the XXXX XXXX office, in particular, is rude and dishonest. I am very concerned that she will vindictively damage my credit when I have not ever been 30 days late with them.

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I sent a validation letter out on XX/XX/XXXX never heard anything back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I received 40 calls in less than 30 minutes. And they are still coming as I wrote this. Its absolutely harassment. I dont go a minute without getting a call starting at XXXX XXXX and it is now XXXX XXXX. This is an awful way to conduct business, and is not following laws.

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 2019-05-28 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: IL

Complaint narrative:
I had a personal loan at State Finance in XXXX, IL, which is affiliated with Wallace Management. I always make my payments on-time ( within the 10-day grace period ) and most of the time I always paid extra. I was wanting to pay off this loan early, so when I spoke to the representative on the phone on XX/XX/XXXX or XX/XX/XXXX I asked what the pay-off amount would be as of Friday, XX/XX/XXXX. I said I would have to drop it in the night drop on Friday, XX/XX/XXXX after work as they would be closed by the time I got back into town. The representative provided me the amount and stated that would be fine. I received a call today, XX/XX/XXXX, stating I still owe them {$10.00} for a late fee. 
When I asked what the late fee was for they told me that my payment did not get processed until today ( XX/XX/XXXX ) since they decided they were going to be closed on Saturday, XX/XX/XXXX. I asked when they decided they were going to be closed on Saturday, XX/XX/XXXX and the lady stated they made that decision on Friday, XX/XX/XXXX around XXXX XXXX I am not sure how I was supposed to know that as they did not contact their customers to let them know. She stated there was nothing they could do about the {$10.00} late fee since it was " out of their hands. '' This could very well be out of their hands ; however, it should be management 's responsibility to provide appropriate customer service to the customers. When I told the representative I wanted to contact management, she stated they would not do anything and the only thing they would say is that technically my payment was due on XX/XX/XXXX so I should have had it in there then. They stress to you when you take the loan out that you have a 10-day grace period. If loan payments are due on the actual day, they should not offer a grace period. I know this is only {$10.00} ; however, there is a principle here. As much as I would like to be, I am not clairvoyant, and I do not think any of their other customers are either.

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 2019-05-28 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 was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. 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 2019-05-28 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: NY

Complaint narrative:
The Accounts on my credit file are unverified and inquiries are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Outsource Group, Inc
State: WA

Complaint narrative:
A company called The Outsourcing Group continuously calls me and leaves threatening messages saying they are going to take legal action if I dont comply about a debt complaint put against me. This most recently happened today ( XX/XX/2019 ). I have no debts to my name and my credit is near perfect. They are lying and threatening me over something that does not exist and I want them to stop. Their number is XXXX. I have no account number with them because I dont have an actual debt.

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 2019-05-28 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 was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. 

Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. 
It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.

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 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: IA

Complaint narrative:
A loan was taken out in my name, but not by myself. It was taken out through arrowhead advance. I am in the process of changing my ssn. But they had auto-withdrawn money from my account for months and i didnt realize it until it was too late to fill an unauthorized transcation form for most of the withdrawn funds. 10x ( 1 time weekly ) from XX/XX/XXXX until XX/XX/XXXX. All dates hilighted in yellow are ones taken from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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 was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX/XXXX XXXX, 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 2019-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I am behind in my mortgage, and trying to sell my property. I received a grant from the Maryland XXXX   when I purchased, that was supposed to be paid back upon sale. I received a payoff from Carrington Mortgage on XX/XX/2019. The payoff reflected an " other unpaid expenses '' amount of {$5400.00} with no breakdown. There is a breakdown of attorney 's fees attached to the payoff of {$4000.00} ( a difference of {$1400.00} dollars ). There was also an escrow overdraft of {$8900.00}, with no breakdown, or explanation. The title company has been contacting Carrington since XX/XX/2019, to ascertain if the grant is somehow being collected in these numbers, and essentially get a breakdown. They faxed and emailed requests stating the concerns, and only received a new payoff with higher, also unexplained numbers. I have a buyer that is ready to purchase my property, however my realtor can't calculate a sales price with XXXX XXXX dollars unexplained. I have asked them to postpone the foreclosure, and I was told that Carrington is not postponing any foreclosures right now.

Company response to consumer: Closed with explanation