vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: FL

Complaint narrative:
On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: SC

Complaint narrative:
XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I accepted an 18 month 0 interest balance transfer promotion from Wells Fargo on my credit card in XXXX, XXXX. 

I called to confirm that I could still use my credit card to my regular purchases and that any payments that I would make would go towards the purchases not the balance transfer amount. They assured me that yes. And they said " The payments will always go towards the highest interest balance '' When I called the last month to make a full payment on the purchases ( and the minimum on the balance transfer ) I was told that they had - for the past several months - applied my payments 50 % to balance transfer 50 % to purchases. They explained that they had a 0 % on purchases promotion on my card ( which was unbeknownst to me, and they never told me when I called previously ). 

They then explained that the 0 % on purchases was a 6 month promotion that would expire in XXXX and I would owe the full amount of purchases then or be charged interest. 

I asked them to go back and apply all of my previous payments towards my purchases, since my balance transfer goes until XXXX XXXX and they said they ca n't. 

I believe this is an issue of structuring to harm the consumer. 

I accepted / opted in an 18 month promotion, but they gave me a 0 % on purchases that I never opted in ( apparently via mail and I had to specifically opt out ). This promotion of 0 % for 6 months in effect makes it so I ca n't actually take advantage of the 18 month 0 %. Because payment allocation goes automatically 50 % and 50 % so I end up with a balance within the 7th month. 

I request that they retroactively apply my payments to my purchases balance vs. my balance transfer.

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 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notice from Mr. Cooper,  who had taken over my mortgage loan # XXXX from Nationstar that I owed an escrow balance of {$2500.00}. Upon calling, ( and being switched to numerous agents ), I was told that this was due to homeowners insurance escrow. I have never paid my homeowners through my mortgage. I was told they had 30 days to research this. I just received a letter, datedXX/XX/XXXX, stating " as per my refinance on XX/XX/XXXX with XXXX, the insurance is automatically added when a refinance is done. That may have been but it was quickly removed. When Nationstar took over the mortgage, they added it and once I called, they removed it. Now I have spoken to numerous agents who misdirected my call, gave me a wrong # XXXX and hung up on me. 
I tried again today and spoke with, XXXX, XXXX, XXXX and finally supervisor, XXXX # XXXX XXXX, who informed me that before they can remove the homeowners, which was not there when they took over, I have to pay them what they are saying is in arrears. I have spoken with XXXX at my homeowners insurance co. and they are currently paid in full until XX/XX/XXXX. This is a travesty. Does the consumer no longer have any rights in the banking world. Why should I need to come up with over {$2000.00} for a mistake that they made? Is it the law that banks can buy your mortgage and revert back to an error and the consumer has to pay for it? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX 2017 I contacted National Credit Systems out of Georgia regarding a debt they claim I owe to an apartment complex. I spoke to several people there that used profane language and stated " it does not matter what I do, its not coming off my credit report until I pay '' They also stated they are not required to and do not have to provide me with the original creditors contact information to dispute after asking several people in their office. I have contacted the supposedly creditor using published phone numbers however they have no record of me owing them anything but also mentioned they are maybe the 6th owner in a few years. I also have an email referencing this. The collections company was made aware of this and still refuse to provide the creditors info so I can dispute. The paperwork that was sent to me came from XXXX XXXX XXXX XXXX XXXX XXXX however that 's not what is on my credit report and paperwork shows a XXXX balance however they are still going forth with collection efforts and no contact info for the original creditor. This has caused me not to be able to obtain residency and is forcing me to maintain current residency which I can no longer afford. If this is not resolved soon, I will be forced into a homeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ****XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$39.00} XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX. ****XXXX XX/XX/XXXX {$35.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00}

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 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Threats to put this on my credit report as well as trying to get me to forcefully pay an amount that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, WA at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. They immediately turned a bill they believe I owe them over to Valley Empire Collections. 

I went to XXXX XXXX to have my XXXX XXXX. When I spoke with XXXX she neglected to tell me that the price had gone up and she told me I would only need one vial of to complete my XXXX. When I got there XXXX XXXX did not apply any XXXX XXXX XXXX. It was quite painful. He XXXX the vial around my XXXX and then stated that he would need a second vial to get to my XXXX and wanted to charge me an additional {$350.00} for it. I was in so much pain that I said no. He told me that a portion of the vial that he had applied around my XXXX was left and that he would keep it for me. Later that day I started to notice significant XXXX XXXX XXXX XXXX XXXX. I tried to call XXXX XXXX several times to inquire about the XXXX XXXX XXXX. At no time did they return my phone calls. Therefore, due to the fact that they never did my XXXX as I was scheduled for and their lack of customer service I put a stop payment on the check. When they realized I had put a stop payment on the check they finally called me. When I asked about the balance of my vial that XXXX XXXX had said he would hold onto for me they denied having it. They immediately turned the bill over to collections without ever attempting to resolve the issue of my XXXX not being done at all. 

I spoke with Valley Empire Collections on XX/XX/XXXX and was told that XXXX XXXX would provide me nothing in writing. In addition, I was told that this debt had only gone onto my credit report on XX/XX/XXXX. Contrary to that statement this debt has been on my credit report since XX/XX/XXXX causing me problems with my credit score. I find this odd as I did not go to XXXX XXXX until XX/XX/XXXX. One month elapsed before it was put on my credit record with no attempt on their part to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct.
I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
THANK YOU FOR YOUR ASSISTANCE. I ALSO SENT THEM THE LETTER YOU RECEIVED. THERE IS ALOT TO THIS MATTER, MORE THAN IS EXPLAINED IN THE LETTER. THIS FREEDOM MORTGAGE COMPANY BOUGHT OUR LOAN FROM XXXX XXXX, BUT DID NOT NOTIFY US UNTIL 27 DAYS LATER. I DID NOT SEND THE XXXX PAYMENT TO ANYONE SINCE XXXX XXXX INFORMED ME XXXX XXXX THAT THEY SOLD OUR LOAN AND WE SHOULD HEAR FROM THE NEW MORTGAGE COMPANY WITHIN 15 DAYS, AND WE DID N'T GET NOTIFIED UNTIL XXXX XXXX. NOW FREEDOM MORTGAGE COMPLAIN THAT WE DID N'T SEND OUR XXXX PAYMENT AND THEY TOLD THE CREDIT REPORTING BUREAUS THAT WE ARE ONE MONTH LATE ON PAYING, WHICH HAS RUINED MY HUSBAND 'S XXXX CREDIT SCORE,  AND TWICE A WEEK WE GET MAIL THREATENING FORECLOSURE. THEY ALSO SENT A MAN HERE TO TAKE PICTURES OF THE HOUSE. ALSO THEY ARE ASSESSING LATE PAYMENT FEES AND OTHER FEES EVEN THOUGH MY BILLPAY PAYS ON THE XXXX OF  EVERY MONTH. I AM GOING TO START PUTTING THE MORTGAGE PAYMENT INTO AN ESCROW ACCOUNT UNTIL THEY STOP THEIR ILLEGAL 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 explanation
Consumer complaint received 2017-11-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXXI sent a dispute to Equifax for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to XXXX for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: IL

Complaint narrative:
TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/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 2017-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: SC

Complaint narrative:
XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

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 2017-11-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

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