vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 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: PA

Complaint narrative:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : 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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have had a very difficult time with Caliber. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Caliber always seemed to lose my paperwork, which I constantly had to re-fax. Once Caliber receives the documents, it takes them 5-7 business days to confirm they have received them. I now have a sale date of XX/X/2017, and Caliber is stating they can not review the modification because of the sale date. If Caliber was not so dysfunctional they could have reviewed the modification 30 days ago. I feel like Caliber is being fraudulent and lying to me. All in an effort to foreclose on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or  to call an unknown number with an account #? We never got served ... nor did we called that number. 
The only money we owned is a medical bill due for {$78.00}. 

Please let us know if you could help us. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26 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: CO

Complaint narrative:
Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

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 2017-10-26 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: CT

Complaint narrative:
I have XXXX hard inquiries from finger hut that I never had anything to do with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
It showed on XXXX more than once that my loan was removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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:
I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.

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 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: AZ

Complaint narrative:
I had some credit card debt with XXXX XXXX ( XXXX XXXX XXXX ). In XXXX i made payment arrangements for the debt with XXXX XXXX XXXX ( tel. XXXX ). I made monthly payment of {$150.00} until the debt of {$3000.00} was paid inXX/XX/XXXX. The collection company has gone out of business and the debt is still showing on my credit report. It has been very difficult to have it removed. I have the cancelled checks for each payment to the collection agency. 

I received a call from XXXX XXXX of Miller Stark Klein & Associates on the morning of XX/XX/XXXX. She claimed she was calling to setup a hearing for collection of the debt owed to XXXX XXXX. She proceeded to give me all sorts of my own personal information and then an ultimatum of three options : 1. ) Pay a settlement amount of {$1600.00} today 2. ) Pay {$6400.00} over 6 installments paid monthly or 3. ) Setup a hearing and pay {$12000.00}. 

I explained that I had already paid this debt and the circumstances surrounding the loan and she stated that the payments were made to an unauthorized collector. When reviewing the firm online I found a number of complaints about attempted collection of old debt and the tactics the company uses to scare consumers into making payments that may not be warranted. I have filed a complaint with the Attorney General 's offices of both Arizona and North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his account.

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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CA

Complaint narrative:
I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: E. A. Uffman & Associates, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX 2 account were placed on my credit report in the amounts of {$480.00} and {$160.00} and I was unaware of the debt owed and did not authorize the release of information for any prior or current providers and have requested documentation with signatures allowing the release of any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX capitalone sent me a bill for {$160.00}. On XX/XX/XXXX i paid {$150.00}, only 24 days late. 
Capitalone marked my cre for 30 days late for this transaction which violates FDCPA. 
I have been trying to rectify this discrepancy with them for over 4 months. Original cfpb complaint XXXX. Attached is capitalone response claiming payment was made on XX/XX/XXXX for {$150.00} yet their own records show XX/XX/XXXX. 
This is an agreegious act to abuse their power of credit reporting and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

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 2017-10-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit reporting agency reported the same debt three time to XXXX but did not report it three times to XXXX or XXXX  credit reporting agencies. I contact XXXX XXXX XXXX XXXX to complain about what they did and the representative refuse to acknowledge that their agency did this intentionally further exploiting XXXX data breach. The first report was XX/XX/XXXX. The next one wasXX/XX/XXXX and XXXX both XX/XX/XXXX for the same amount of the original debt of {$1100.00} to one creditor and then {$600.00} for the other creditor. On all three times they reported the same information from the same creditors I owe debt to. I explained to them that the are only allowed to report the debt to all three credit bureaus one time and one time only. I further got no response other than if my address, telephone number etc was correct for them to pursue me for collection purposes. I want the additional two reports removed from my credit report because they are only allowed to report once not three times.

Company response to consumer: Closed with explanation