vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX  I have so many inquiries and accounts that I know nothing about like Bridgecrest and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to you to express my grievances with the following matter : Escalation issue tracking complaint case # XXXX. 

Wells Fargo Fraud detection team has erroneously marked our company 's XXXX  XXXX XXXX Business checking account which also belongs to our corporation as fraudulent and blocked all outgoing transfers to that account. This was a technical glitch as we have no reason to be blocked, and I have exhausted all resources in attempting to remedy the problem. We have been a loyal customer for many years and I am amazed at how there is nothing there can be done to remedy the problem. Please have someone from your company 's Fraud team communicate with XXXX XXXX of Wells Fargo ( XXXX ) XXXX, as he is very familiar with the details of this case. 

Frankly, I am shocked at how poorly this has been handled, Wells Fargo needs to do better.

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 2019-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
I applied for a 203k fha construction loan with Guaranteed Rate in Illinois and bought the home in XX/XX/2018. it is a construction loan so I interviewed contractors and picked one and Guaranteed Rate assured me that they would do a thorough background check before they approved him. They approved the contractor and I gave him {$20000.00} dollars of my own money to start the work. The contractor then destroyed the home and took off with my money. When I asked Guaranteed Rate how he passed the background check, they told me all they ask is for 3 reference letters!!! 
I have continually interviewed many other contractors to work on my house and now they want double the money I originally had for the construction of the home because of the mess the original contractor made there. 
Since Guaranteed Rate approved the Contractor without a proper background check, I asked Guaranteed Rate to please defer a few payments or lower my mortgage payments just until I could get a new contractor and they have continuously refused! 
I have constantly contacted Guaranteed Rate, dealing with XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. They either don't respond or tell me they will get back to me and never contact me back. I then told them that I would be making complaints with Department of Banking. Today, I find out that they have sold my mortgage to another bank called XXXX XXXX - I found out because I contacted Guaranteed Rate AGAIN and they told me they no longer had my loan. I contacted XXXX XXXX and they advised me my loan is in default because I haven't made payment which is NOT true, my mortgage is up to date!!! 
I have spoken to an attorney and he advised me that after looking at everything, Guaranteed Rate is in fact at fault! They should have done a proper background check and the HUD consultant assigned to my home should have known that the amount the contractor bid would be impossible to do that scope of work. 
This bank has ruined my life!!! I am a XXXX year old single woman who put everything I had into this home and I'm about to lose everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently. 


FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) XXXX -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) PORTFOLIO RECOVERY -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently.

FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) SANTANDER -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) XXXX XXXX -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IA

Complaint narrative:
we are back at it again. you, Ditech playing games, while this time you are in chapter XXXX bankruptcy and switching accounts around and adding monies that have already been paid, too the new account that you have created in my name! i am down to {$2500.00} before i made the XX/XX/XXXX payment of {$250.00}. then you switch accounts on me and i am suddenly back at {$8600.00}, i found this out by logging into my account. 

in reality, if your company and previous company named greentree financial since you are the same company, would have correctly serviced my loan since XXXX, i would have actually been paid off in XXXX, but it wasnt. you came back and said i owed over XXXX dollars. which is weird because you have received every dime plus interest, even when i fell behind in payment due to 2 divorces, all behind payments and interest were paid. your servicing issues were on you, not my fault that you doctored my account. since i was worried about losing my home, i had no choice but to be a pawn in your scheme and keep paying. 
also since you jumbled my account to a new account, XX/XX/XXXX, you cancelled my insurance which the cost was added to my account of $ XXXX.and you received {$340.00} back. i will be deducting this amount from on my previous account. now on to other things. 

now that you have changed my account from the account i have had for 22+ years, you send me a letter saying i am behind in my payments, i argue that point with you, because you receive my money every month, which leads me to my credit report that you have falsely been reporting on for a few years. every one of my payments have been declared over 120 days late since XXXX and there are discrepancies before that. my payment marks should reflect fairly of that month. also, you gave me 3 options in your recent letter dated XXXX XXXX, 1 ) was to modify my account, already done and had to fight through CFPB to get it done, 2 ) you tell me if i cant afford my home to either sell it or find more affordable housing. i have been paying you 22+ years and you keep trying to add more money! also, you want me to file a loss mitigation report. i know already how that works, you play the didnt receive it in time or paperwork is incomplete game. 
your own documents, that i receive monthly show my balance owed and now that you are in a chapter XXXX bankruptcy, you obviously think that you can switch stuff around to make it look better for you in front of the judge and trustee. i expect this matter to be resolved and corrected. i honestly believe, my account and probably thousands of others, should be forensically audited by a federal auditor through a federal investigation!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I requested a complete and fully executed set of documents pertaining to our loans because I discovered that we were not given copies of all documents. I learned this when Mr. XXXX read from a screen information that was never disclosed to us. Flagstar emailed partial documents that are not fully executed. I requested a fully execute set again and Flagstar has refused to provide me with a fully executed set. Instead, it claims it sent a set of the documents to me already. In reards to the incomplete docs that Flagstar emailed, there are missing signatures and amounts as well as the Broker Commission disclosures. Further, all Disclosures that were prepared by Flagstar bank for us to sign were not included. I have requested a complete and fully execute set of any and all documents that pertain to our loans more than three times and as of today, XX/XX/19, Flagstar has not provided a satisfactory set of copies.

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 2019-03-22 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: NC

Complaint narrative:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XX/XX/XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

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 2019-03-22 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:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the  FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capehart & Scatchard PA
State: SC

Complaint narrative:
Husband had a roof put on called company they did not want to talk to me sent all death certificate to them they sends my name to threaten my house in foreclosure for XXXX my house worth XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This notice was mailed via US Certified Mail directly to Commonwealth Financial Systems ( USPS Tracking # XXXX ) and disputes have been sent to both XXXX and XXXX XXXX. My consumer protection attorney has also been notified of this collectors continued attempts to call me during working hours though I've advised them to not contact me at work. In addition, I've requested validation over the phone and this company advised me that they in fact due not have a HIPPA release to possess my original records for this alleged debt. 

I received information that you are attempting to collect the above-listed alleged debt Please be advised, regardless of your records, I dispute the validity of the alleged debt In its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my *original signature* binding me to the alleged debt, in addition to an itemized statement of the alleged debt within 30 days of receipt of this letter. Please provide me with the following : 1 What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe, with my original signature agreeing to pay this amount : 4. Identify the original creditor and their contact information : 5. Prove the Statute of Limitations has not expired on this account : 6. Show me the you are licensed to collect in my state : 7. Provide me with your license numbers and Registered Agent or Agent of Service : Commonwealth Financial Systems is attempting to collect a debt and money that I do NOT owe. As per the law, cease and desist all collection activity including any and all credit reporting ( to all major reporting agencies ) including XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information as required by US law. If Commonwealth Financial Systems fails to comply with this notification, it may be turned over to an attorney. Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claims are disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have informed this company A. that the alleged debts that they provided to me are not mine. B. I've informed this company NOT to contact me during work hours. I work from home and on TWO occasions they have contacted me during working hours. Once I remind them of this they apologize and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
My home was damaged in a storm on XX/XX/XXXX. I could not live in it. Insurance did not pay until XX/XX/XXXX. I hired a contractor but he did not do a good job so he was fired before completion leaving almost {$15000.00} on the insurance payout. I asked mortgage company to send check to another contractor. They sent it in the name of the first contractor. During that time it went into foreclosure so I couldnt get the insurance. It sold on XX/XX/XXXX. When it sold I owed XXXX but it sold for XXXX. For some reason it was reduced after foreclosure and was told I owed XXXX and it sold for XXXX. I wouldnt sign the hold harmless because of the insurance. In XXXX it was transferred to RUSHMORE LOAN MANAGEMENT and they started trying to collect from me. I called and asked about the collection explained the foreclosure and asked about the insurance funds which were being held in restricted escrow. For two months no one could explain. Then I was told I would not get it it would be sent back to the insurance company. I received another request that I pay and called again. This time I was told I owed nothing and but they were putting a claim against the insurance funds and would not give me any information such as how much or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My Loan is a simple interest loan, Santander has continue to send my payment notice to a previous address for almost 2 years, creating extra interest, exposing my credit to owners of my previous house, despite repeated attempts to have my address changed. Ironically my payment receipt comes to my new home each month.j I feel that Santander has intentionally created this issue, to embarrass me to the owners of my previous home and as a way to collect addtional interest and against my loan. My conversation with them resutled in a refund of XXXX in late charges and nothing more. I have received 2-3 calls everyday when a payment is late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX a report from XXXX XXXX XXXX placed a collection account on my credit reporting statong it was a collection for a XXXX account. I have not had XXXX service since XXXX.I disputed this collection and it was removed by XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX i received a report from now a XXXX XXXX XXXX the SAME XXXX ACCOUNT. Same amount and same information. I spoke with multiple people at XXXX and filed a " FRAUD IDENTITY '' case with XXXX as well. Provided all needed documents. XXXX has stated they can't file this case due to me not having a account with them. I have personally called an spoke with people from the XXXX XXXX XXXX which they are stating they have an account with my Telephone number but social and address are NOT correct. I filed with the credit bureau which also states this account was removed back in XX/XX/XXXX from XXXX XXXX XXXX. So how is it that the same information from the same reporting agency is with 2 different credit collections. On top of that this has been going on for 2 months. The collection company XXXX XXXX XXXX can not produce no type of documentation stating this is my account. But have stated the information they have is not matching my personal information. This is suppose to be removed after 30 days according to the Fair Credit Act. So why is this company not removing this FALSE report off my credit.. I was in the middle of buying a home and got denied because of this.. This needs to be handled accordingly to what the laws are or i will pursue to the next step to sue this company XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation