vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am requesting late fees in the amount of {$52.00} to be refunded back to me. I tried getting the fee back through XXXX XXXX ( XXXX XXXX XXXX Reward Credit Card ) and they will not refund the fees. I placed a complaint with the XXXX  and a rep from XXXX XXXX called, XXXX XXXX # XXXX just to tell me that she will not refund any money back to me. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.

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 2019-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Friday XX/XX/XXXX, I received a call from XXXX at XXXX. I was told they are collecting on an old bill from XXXX XXXX XXXX. They said I owed {$1600.00} from a past bill. I told them I filed bankruptcy and all has been XXXX. XXXX proceeds to tell me that they do not accept bankruptcy settlements and I would still have to pay. {$800.00} to {$900.00} for a settlement was offered. I told him that I would have to talk to my lawyer. XXXX XXXX, XXXX. 
Then on Monday XX/XX/XXXX, I received several calls from a 'XXXX  ' a processor claiming that I will be garnished and served at my place of employment. Each time I would call them back, I got her voice mail. And then finally, the last time I called, I was told by the legal department that I was not to call them back again. 
I got the following information about them. 
phone - XXXX address - XXXX XXXX XXXX XXXX, CT XXXX and I received this information from Mr. XXXX yesterday XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 15 hours ago ) to me XXXX / XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - 19 posts - 18 authors They say they are going to garnish funds for a title loan never took out and take us to court for wiring fraud No clue what is up if they are a scam ... 


XXXX / XXXX 10 posts XX/XX/XXXX XXXX / XXXX 20 posts XX/XX/XXXX More results from XXXX XXXX : I XXXX  the number. 

and the company that started it all was XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reinsertion of previously deleted information is governed under FCRA 611 ( a ) ( 5 ) ( B ). It only applies to information that has previously been deleted based on a finding in a prior dispute that it was deleted due to lack of verification of its accuracy. 
If the information was deleted based on a finding in a prior dispute ( which is shown by the Notice of Results of Reinvestigation sent for that dispute ), then any party requesting reinsertion of the information must include with their proposed reporting a Certification of Accuracy of the information. That Certification effectively overcomes the lack of verification of accuracy in the prior dispute, thus obviating the dispute. 
The reporting party is not required to send any notice to the consumer. That is the responsibility of the CRA. If the CRA does reinsert the information, the CRA must send written notice to the consumer within 5 days advising they have reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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 in my report a 30 day late payment on XX/XX/2018 XXXX XXXX/XXXX ACCOUNT # XXXX.The information is incorrect.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Today, I attempt to create a temporary unfreeze and instead the automated service created a freeze that I now can not lift without a newly issued and arriving by mail pin or submitting documentation by mail. So I can not apply for the loan I need now.

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 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Contacted by a scammer to deposit a cashiers check in my account and part of the funds needed to be transferred back to them. On XX/XX/27, check was deposited into my Bank of America account. And money being sent through XXXX and going out of my account until I found out yesterday ( XXXX ). The check got on hold with the bank. There were XXXX different XXXX transfer transactions from my account. The funds are now out of my account but the money was already sent. Also, I didnt do all this, someone else did. The bank refuses to give me a refund for this, even though similar issues have occurred and banks such as XXXX XXXX have given courtesy refunds to their clients who used the same service, 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 monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2019 I made 2 check deposits through the mobile app for fifth third bank. The 1st check was immediately available, in the amount of {$180.00}. The second check, in the amount of {$850.00} was placed on hold for 7 business days and no funds are available. Even after 1 business day, the first {$200.00} is not available. From my understanding about federal law, deposits under {$5000.00} are required to have {$200.00} available the next business day. I have contacted several people by phone, and even visited my local branch with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX ACCOUNT # XXXX.The information is incorrect.

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 2019-03-05 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: FL

Complaint narrative:
I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX ACCOUNT # XXXX.The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
I purchased a home in XXXX for {$360000.00} and believe I might be the victim of a predatory loan. The loan term was set up to be " interest only '', so making the monthly payments was not an issue in the beginning. I planned on selling the home when the value of the property increased, however, that never happened and the property value dropped significantly ; I became " underwater '' in my mortgage. 

I became XXXX a few years ago and my loan switched to non-interest only my house payment nearly quadrupled. PHH Mortgage was in no way willing to help me avoid foreclosure when I started falling behind on my payments. After much frustration I was able to get assistance from a government approved mortgage counselor in order to stay in my home and make the payments for a year. 

Unfortunately the assistance in which I was receiving from the mortgage counseling service has ended leaving me to fend for myself with PHH Mortgage. I've tried repeatedly to talk with someone at PHH Mortgage about a loan modification and they refuse to call me back or give me any type of assistance as a customer. I've called them no less than 15 times from XX/XX/XXXX - XX/XX/XXXX. They either put me on hold for hours until I finally give up or when I was able to speak with a person was told they could not help me and that someone else would call me back which they never once have done. 

I'm in a dire situation and PHH Mortgage refuses to help. I'm desperate to get my loan modified so I can remain in my home and not become XXXX. I can not pay the unreasonable amount that PHH Mortgage expects due to their predatory lending practices, total disregard/lack of customer service, and my current circumstances. The bottom-line is that PHH Mortgage could care less how financially ruined a customer becomes due to their ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I went into my bank Wells Fargo In XXXX on XXXX XXXX XXXX XXXX  to withdrawal cash from my account that I share with my daughter. I was then told that my account had been closed. When I asked why I was told that they could not give me that information and I sat with a rep who called into the customer service number. While on the phone with an agent ( XXXX ) from the collections department he also could not tell me why my account was being closed but he stated that they would be sending me a check for the remaining funds in my account. When I asked him for his customer service ID and information he refused to provide this. He confirmed that my check would be sent the follow day XX/XX/2019 and that he would be making notes in my file to make sure things were clear. 

When I called today XX/XX/XXXX to check on the progress of my check I was told by the new rep ( XXXX ) that they could not help me and that my refund check from my tax return ( {$2600.00} ) had been sent back to the IRS and that a check was never issued because my account was closed, When i informed her of the information the last rep told me she responded with a dismissive tone and just kept repeating that I would not be getting a check from Wells Fargo and there was nothing they could do. I asked to speak to a supervisor twice before I was transferred and got the same response from the supervisor. I have yet to be given an answer as to why my account was closed.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
XXXX XXXX alleges that I signed up for classes with their institution. This could not be further from the truth. I have never been to their website until recently, when Ability Recovery Services , LLC stated that I owed XXXX XXXX an alleged debt of {$1600.00}. I disputed this fraudulent debt with XXXX XXXX and Ability Recovery Services, only to be provided with documents purporting that I signed up. However, I filed all the required and necessary affidavit and reports to show that this is and was a fraudulent account. 

Nevertheless, XXXX XXXX is still, by and through ability, attempting to collect on this fraudulent debt. Moreover, they are using a company that is not registered in the State of Michigan as required. Ability Recovery Services , LLC ( a Pennsylvania LLC ), doing business in Michigan, is attempting to collect on an alleged debt, which I have clearly stated is a fraudulent debt. Ability, through the XXXX  in PA, sent me multiple documents from XXXX XXXX to validate the debt, but, as I stated, it is not my debt and I have filled out all the required paperwork, affidavits and reports. They are also reporting the fraudulent debt to my credit reports, which has caused my score to drop. They have multiple addresses listed, which I have attempted to send certified mail to their address with the PA Secretary of State, but they have been returned. Ability lists three physical addresses. 

XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Ability Recovery Services , LLC is not registered with the State of Michigan to conduct business here. I am not saying that they need to be a licensed collection agency, but they do need to be registered with the state in order to transact business here, and they have not. Their website clearly states that they collect in all 50 states, and further claim that they are bonded and insured nationwide. They have never filed for an Application for Certificate of Authority to Transact Business in Michigan, they have no Registered Agent in Michigan, and yet they continue to flaunt the laws of this state and the State of Pennsylvania. 

Their illegal business practices need to be investigated at once, so more Michiganders are not put in the situation of dealing with such an unscrupulous company, who willingly, willfully and knowingly violates numerous Federal and State Statutes.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My home was foreclosed on back in XXXX with XXXX XXXX XXXX XXXX   XXXXXXXX XXXX the bank had been bought out by XXXX XXXX XXXX several years ago unknown to me. My credit report lists 2 separate accounts listing XXXX has a balance on loan? And also mortgage delinquencies. This was old from XXXX I disputed the accounts with trans union and they are now saying the accounts are delinquent as on XX/XX/XXXX which lowered my score 51 points. I have talked to bank previously and they stated the amount was from the foreclosure yet I never was given any paperwork from XXXX XXXX XXXX. XXXX XXXX XXXX had relieved me of the mortgage but now the new bank says its delin as of today. I cant get anyone to listen or help please help me with 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 2019-03-05 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: MD

Complaint narrative:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND FUNDING LLC has threaten to take legal action against me and when I told them should I get my lawyer involve they back out and told me no sir it's not necessary. The told my that the collection account was in a legal status in my local area. It was very abusive and I felt scared for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
Quality Asset Recovery, LL sent me a collections letter on XX/XX/XXXX stating that I owed their company {$3000.00} for their XXXX XXXX XXXX. It is apparently an old lease agreement from XX/XX/XXXX. The entire management staff no longer works at the apartments and the apartment complex had no knowledge of this debt. I requested documentation concerning the debt because to my knowledge I did not owe this company any money. I received copy of the old lease with revised financial account statement. On the statement dates, payment amounts, charges, and reasons are clearly fraudulently altered. I have requested that this debt be removed from my credit report but collections activity has continued to occur. I was also informed that this account was purchased by this debt collector, it is not valid and I wanted to report the illegal activity of this company, and I would also like for this debt to be removed from My credit because I do not owe this company any money. Thank you ~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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
i was at my XXXX XXXX for a XXXX 's conference on XX/XX/2018 when I stopped to say hello to the Tax Collector. The Tax collector informed me that my property taxes had not been paid for 2nd qtr. I stated to her that it was because I had received a letter that my mortgage had been sold to a new company and it would work it's way to you. 
The next month when I was making my mortgage payment online I decided to ask Customer service regarding my mortgage. I believe they have records of all my calls so I'm going to say this was on the 6th of the month of XXXX. They stated to me that they had made my payment. I immediately called the Tax Collector and she stated that the payment had not been made. I called back the Mortgage company and they said they would run a check with their vendor and call me or email me with the results. No one called no one email. The next month, XX/XX/XXXX, I made my payment and called the mortgage company to ask regarding the tax payment. The borough had already informed me it had not been made. They would check and return my call or email me. 
XX/XX/XXXX, The Tax collector say no and the mortgage company says yes and now my monthly payment changes again because my escrow is short. Finally after not getting off the phone I got transferred to a supervisor and they stated they would escalate the matter. I received the letter attached and waited another month with no results so I stared calling again. A supervisor called me in XXXX and stated he was handling the matter personally. I have not heard from him since.

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