vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was solicited by AmeriSave on XX/XX/2019 for a refinance on my current property after inquiring online and giving the consent to being contacted. The agent who helped me started the application after finding out more about my current loan, job status, income, etc. Based on all data provided and my consent to pull my credit report I was told I qualify for a refinance just on my name and the numbers were clear and I accepted on my side. I was told I had to pay {$500.00} for the appraisal and that money was going to be reimbursed to me after the closing on XX/XX/2019 which was the date settled. I was not informed about those {$500.00} not being reimbursed should the closing was not happening, I was not informed about the possibility of not even closing. All the conversation was based about the fact that I qualify and I had to follow the steps in order to arrive to the final stage. I had to send all documents, tax returns, social security release information, consent to contact my employer, etc. I did all of that right away, and since the very beginning I told the agent I have been having 1099 's for the last 4 years. Everything was looking and working perfectly until I was contacted by another loan processor by AmeriSave asking me for the W2s, which I replied right away that I don't have W2s but 1099 's and the agent who took the application knows about it. Then he said he was sorry but the application was based on W2s numbers and the file was delivered to him as if I had W2s. That was obviously a miscommunication between the agents. A few days later I was contacted by the firs agent asking for more proof of income, and not a lot longer he said I was not qualifying for it. 
Had I knew those {$500.00} were not refundable I would have made a better informed decision, had I knew there was a possibility of not qualifying I would have decided if I wanted to move forward with the application. The agent never mention the fact that not qualifying was an option. 
I feel misrepresented by the fact of not being informed about the {$500.00} not being reimbursed if I don't qualify. 
After claiming many times the {$500.00} and being told by the first agent that he was going to see what he can do because he was not in the business of writing loans that will not get approved, I decided to continue claiming the money until I got a call today from another agent from AmeriSave. I was told the same, that the {$500.00} were not refundable, he even said he could read the statement that says that is not refundable ( I feel this should have been done the first day before paying ) and there was even a clause I signed about it. He basically told me he was sorry because I signed it, but I was not well informed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
I obtained NetSpend prepaid Visa card and after paying {$4.00} deposited {$200.00} on XX/XX/XXXX. After I tried to use card I was informed that I would be able to use it for 2-4 weeks! I wasn't able to pay bill while NetSpend was holding my money! In XX/XX/XXXX I filed lawsuit in small courts against NetSpend but it wasn't resolved since they haven't showed up.

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 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
I've contacted Experian multiple times and each time they either ignore me or don't follow the rules of the FCRA. I will attach my final letter to this complaint before I just take them to court. This is ridiculous and all they have to do is remove my requested accounts in question. Each company hasn't provided me a shred of proof and nor has Experian. Let 's make this easy on each side and just follow the law and rules.

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 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This complaint is related to Complaint # XXXX. 

On XX/XX/2019, XXXX XXXX ( Walmart ) pulled an unauthorized amount of {$300.00} from my XXXX  checking account. As of today, XXXX XXXX  has told me that they can not locate the payment that they pulled from my bank account on XX/XX/2019. I called my bank, XXXX XXXX, and reported this issue and asked that this payment be reversed. That unauthorized transaction was reversed from my bank. As a result, XXXX XXXX  has added the {$300.00} to my account as a charge, although they say they couldn't locate the XX/XX/2019 transaction. Plus, now they've added a late charge to my account in the amount of {$27.00} and I've never made a late payment. 

My Walmart account was transferred to Capital One on XX/XX/2019. Per my conversation with Capital One personnel and one of the letters that I've received from XXXX XXXX, they keep erroneously referring to the {$300.00} payment amount that I did authorized on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX  shows XXXX XXXX twice. XXXX. XXXX XXXX, XXXX XXXX and all others that show on XXXX and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
I have information on my credit file with someone tried to apply for credit

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 2019-10-15 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: MD

Complaint narrative:
Experian, XXXX XXXX, and EXXXX dropped my credit score by approximately 70 points in one week after what they say was a creditor re-reporting negative info on an old debt on my report on XX/XX/2019. I called to find out how is it determined how may points are deleted and is it the same for all people. No one knew the answer. They said a computer determines the number of points. I also asked if the negative info was revesed would the same number of points deleted be restored. No one knew the answer. This is unacceptable and unfair to people of color. I suspect that the calculations for credit score decreases are not equal amongst black and white people. In my case, I want my approximate 70 points restored at the moment the credit buresus receive the reversal of the negative info that was reported to cause a sevete reduction in my score. I also want to know how the number of points are determined to be added or deleted based on the info reported. This info should not be a secret. This entire process should be fair and equitable. I highly suspect it is not.

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 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: OH

Complaint narrative:
I have always been covered by XXXX XXXX XXXX   XXXX. The bill should have been billed to XXXX  instead of me. Ive called the company to try and get proper involve on how to get the bill to them and they have been unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2019-10-15 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX shows XXXX XXXX twice. Oppurtun. XXXX XXXX, XXXX XXXX   and all others that show on XXXX  and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2019-10-15 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: GA

Complaint narrative:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: ND

Complaint narrative:
I am having an issue with a debt which is being reported on my consumer credit files, I have tried multiple times to explain that the account is a mixed file issue, as it is not mine. The company keeps saying they have validated the debt but have not shown me what this validation is. 

Furthermore, both the company and a collection agency they have hired are both actively reporting my file as flagged and active in collection. I am seeking help in this matter to mediate the problem and have the company comply with the FCRA and provide an investigation, provide me with documentation or other material. I am asking for a review of the matter so that I can get some help getting this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My loan was bought by Lakeview loan servicing. The company found out I was unemployed and told me I would qualify for a program to help if necessary. They never told me I would not be able to make payments during the approval process. I have applied about 6 times since early this year. They have times out the process everytime because every single time, they asked for more and more info, being completely different everytime. It has been impossible to get everything they ask for, different things everytime through the process, and after 30 days they time it out, and make me reapply each time. I never would have taken this advice from Lakeview if I knew this could happen, and now the house is in foreclosure. I have been lied to and told different info from every single person I talked to thru Loss Mitigation. I can nit lose my house, and would have no where else to move to. I've been trying to make payments every month, which was denied. I will appreciate any and all help to resolve this. I never imagined I could be lied to so many times by my loan company to take my house away. I was told by a title company how many people have been scammed by Lakeview, and to now immediately put kn a  complaint to receive help through your agency. 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 2019-10-15 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: NY

Complaint narrative:
I am a victim of identity theft as stated before, and I am NOT a credit repair agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Mgt calls my place of employment daily. They've called my place of employment : XX/XX/XXXX at XXXX XXXX pst XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX The Company Macys was Contacted in Question to a hard inquiry I summited information by fax and the company never responded to the Inquire XX/XX/2018 2018

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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I spoke with XXXX from the company on XX/XX/19 on a collection item with the amount they claim I owe of XXXX reported on my credit file ask for validation and licensing to collect in my state a havent received anything.

Company response to consumer: Closed with explanation