vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: TN

Complaint narrative:
In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
In response to my last complaint, Wilmington Savings Fund Society FSB, as Trustee of XXXX XXXX XXXX XXXX A denied all responsibility for the unwarranted eviction actions filed against me, shifting the focus to XXXX XXXX XXXX , XXXX ( Response Letter dated XX/XX/XXXX ). Yet so far, I have received motions asking the courts to extend enforcement of one of the wrongfully entered Eviction orders with Wilmington Savings Fund Society FSB named as Plaintiff. The motions are dated for XX/XX/XXXX and XX/XX/XXXX ( Motions are attached ). The evictions were filed under seal and are not viewable by the Public, and this is what deters most attorneys from assisting me in this matter. They complain that they can not research my case from their office. At any rate, Wilmington Savings Fund Society FSB, in concert with XXXX/XXXX  are falsely representing to me, the courts, and to the world that my Property has been transferred to a Third Party Purchaser. They did not, and can not provide any proof of an actual sale. XXXX/XXXX  didn't have a legal or equitable right to sale, transfer, or even foreclose on my Property. The Department of Justice found XXXX 's Foreclosures between XX/XX/XXXX and XX/XX/XXXX to be unauthorized. And XXXX XXXX XXXX XXXX, the non-bank subsidiary used to file the first 2 evictions in pursuit of void debt failed to execute the wrongfully entered possession orders filed with XXXX County Sheriffs XX/XX/XXXX and XX/XX/XXXX. Now the basis of these corporations ' claim is the unlawful quitclaim recorded XX/XX/XXXX. Their suits violate the Venue provisions of the federal Fair Debt Collection Practices Act and other actionable elements under the Act ( See 15 U.S.C. 1692i and Section 1692e ( 12 ) ). And they are a continuation of XXXX 's violations of State Consumer Fraud, the False Claims Act, and the FHA. State and Federal prosecutors successfully prosecuted XXXX and its related entities for the latter. My property is not subject to the unidentified trust agreement or unidentified sale that XXXX and Wilmington would have others believe. The underlying anti-consumer loan was securitized into XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, the unlicensed loaner never had a lawful lien attached to my Property in the first place, nor did its successor 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 2020-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX {$1800.00}, CREDIT BALANCE REFUND DEBIT.

So basically I made an extra payment for that amount and bank of America told they sent a check, but I told them to do a stop payment against it as I was flying for a vacation to XXXX, I called in once I came and they say the check is cashed, But I want you guys to tell them to match the signature on the check with bank records to determine the case. 

Thank You

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have attempted to resolve my accounts with Certegy. This company is by far the worse company to do business with. They lie. They lie and practice fraudulent tactics. They place things on your report that are NOT accurate and then never remove it. They have devastating consequences on people and peoples lives. They refuse to remove information that is NOT 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 2020-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WLCC
State: AL

Complaint narrative:
My employer received a fax from Apex servicing that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company XXXX XXXX XXXX which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by XXXX XXXX about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have 5 mortgages with PNC Bank since XX/XX/XXXX, in XX/XX/XXXX I refinanced all 5 loans. I originally had impounds for property tax and insurance but had the insurance portion removed due to errors caused by PNC paying 2 insurance companies and not discovering any problem until I reviewed my impounds almost a year later. 
In XX/XX/XXXX my impound account for property tax was seriously delinquent due to two factors.

1.PNC pays property tax in XX/XX/XXXX or XX/XX/XXXX even though property tax is not due until XX/XX/XXXX making the impounds 2 or 3 months short on funds for that year.

2. PNC Bank was collecting taxes at a XX/XX/XXXX property tax rate which was 40 % below XX/XX/XXXX rates, my impounds went up about {$110.00} per month per house to cover the arrears. I ask the bank to review the account in XX/XX/XXXX when the preliminary property taxes are released they informed me that they only do impound evaluation in XX/XX/XXXX every year which would be at the prior years amount. This is an irrelevant amount and does not reflect what is due in the present year. Due only to the banks incompetence again I have asked to completely close all 5 of my impound account so I could handle them correctly, they have agreed. They have billed me {$190.00} per account for a total of {$970.00} I refused to pay this fee. I would not entertain closing the impounds if they were done correctly.The loan is 13 years old.I know that the only reason I am requesting removing the impounds is due to total incompetence. I refuse to pay any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX XX/XX/XXXX to XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I do not have an overdraft protection account with Bank America or have I signed authorization which gives them authorization to pay merchants for funds that is not available in my account. 
On XXXX XX/XX/2019 There was a merchant item processed for {$130.00} Bank of America paid the item without funds being available. Per my knowledge and history with Banking when there is insufficient funds the item should be returned to the merchant based on insufficient funds and the bank charges their customer an insuffient funds fee. unless there is a signed agreement with the bank to pay when funds are unavailable

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 2020-02-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XX/XX/XXXX-XX/XX/XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XX/XX/XXXX! I have no made a payment to this account since XX/XX/XXXX. The creditor has re-aged this account Equifax repeatedly says this account is verified and accurate! ( XXXX  did delete this account ) XXXX  XXXX XXXX XXXX   - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Equifax of course says again it is accurate and " verified. '' XXXX XXXX - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! I have disputed the above accounts with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports! 

I have requested documents to be sent to me proving the accounts are " accurate '' creditors, collection agency and credit bureaus have all failed to do so within the 30 day time frame! All they keep doing is " updating '' the said accounts with even more inaccurate information. Please delete this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went online to put a credit freeze on my credit to prevent any theft in the future with Experian. After answering ambiguous questions such as " last four digits '' of your primary checking account ( I have 2 checking accounts ... ) and " what year is your vehicle '' ( which I have 2 ) it told me I had to send an unbelievable amount of documents through mail. This included SSN, bank account info, drivers license, etc. Of course, anyone who wants to freeze their credit report is trying to PROTECT their information and Experian knows that folks won't want to send this information in by mail where it could be lost or viewed by numerous individuals.

Experian has a paid service for locking my credit account. This of course costs money ( {$24.00} per month after the first month ). They have no issues in verifying my identity once I provide my credit card.

Experian is trying to get around federal laws requiring them to provide credit freezes to customers by creating unnecessarily burdensome requirements that put consumers at even MORE risk of identity theft.

I would like Experian to put a credit freeze on my account online. I had no issue with this process with 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 2020-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have held an account with XXXX for 8 years and never missed a payment. The only reason I keep the account is because it is one of my oldest accounts. Every month they charge a monthly fee for having the account. They dont offer automatic payment plans. Between XX/XX/XXXX and XX/XX/XXXX I was traveling extensively for work. I have every alert/notification Turned on for the sole reason of not missing a payment. I did not receive be alert or notification, no email text or even phone call from XXXX  XXXX stating that I missed a payment. I only found out after my credit monitoring company informed me that XXXX has reported I missed TWO payments. I tried contacting XXXX immediately but they dont offer a phone number to contact them, only if you want to apply for a new card or general account information, password change, address changed etc. 

It is improper to offer services such as notifications for late/missed payments then not use those services to inform someone they missed a payment. Not only that, Then XXXX reports you late by two payments. I do not miss any payments, not on any of my accounts, and this negative reporting is abusive when there is no option to remediate the issues.

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 2020-02-10 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: TN

Complaint narrative:
In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.

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 2020-02-10 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: TN

Complaint narrative:
In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.

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 2020-02-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Over the last ten years, USAA bank has reduced auto pay based on additional payment. The process of increasing my credit limit and fix auto-pay to keep balances high has cost me thousands. The system does not allow me to pay an additional payment and use auto-pay without reducing the auto-pay amount. The company would not allow that.

Bank also, changed my credit card to visa dropping my credit rating and impacting insurance.

The company states it too confusing to provide a principle payment option to pay the bill.

Also, the company increased my credit limit without me asking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kashia Services
State: AL

Complaint narrative:
My employer received a fax from XXXX XXXX  that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company Solid Oak Finance which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by Solid Oaks about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a 6 month Libor rate ...

The reset indicates that the rate is based on the first business date preceding the month of change ....

SPS used the XXXX XXXX  of XXXX ... My contention is they should have used the XXXX  of XXXX..

With that said I don't want to allow them to change my contract so that in the future they might be able to assert I accepted the change when SPS may have bigger financial incentive to do so.

Thank you for your time.

Regards, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am currently on XXXX, and was defrauded out of {$16000.00} through an online scam. ( XXXX XXXX ) I have submitted a fraud complaint to the FBI, however, when contacting NFCU, they have refused to assist in any way and are holding me accountable for 2 loans taken out in my name, with money transferred to other entities. NFCU has stated they found no indication of fraud, although the supporting documents attached will prove otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have been contacting them for over 1 year and trying to dissolve this. Our original contract said our last payment was XX/XX/2019 we had deferred 2 payments so I sent our last payment XX/XX/2019. After calling numerous times we were then told that we still owed XXXX dollars. So we got to checking our payment history I called Dietech and ask what the insurance was for and was told it was because we did not have Homeowners Ins. I sent proof we had never had a lapse in coverage and that they had taken out over XXXX dollars for insurance but as of today they still will not release our deed.The first page I sent is from our attorney to them, the second is showing the letter from there attorney showing we had no reagages and were up to date then the third is from Dietch and the last three are showing just some of the pages where they charged us ins.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation