vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reason Im writing this letter is to dispute my most recent late payment. This is my XXXX account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with XXXX   many years ago and I had a negative experience. I said I would never bank with XXXX again. However, my XXXX  account as switched from XXXX XXXX to XXXX. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking XXXX to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because XXXX switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with XXXX  to be a negative experience is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was recently denied a loan modification by my loan servicer Select Portfolio Servicing.I feel there is no good reason for this loan to not be modified or restructured. I have been battling this servicer for years and all they have offered in the past is a loan modification with a huge balloon payment at the end of it that they know I can't afford. I am disputing this denial of a modification and am asking that the loan be restructured. Given an entire new loan number and restructured. Every time Select Portfolio Srvicing has contacted me the first thing they say is how much they care and how much they want to help me retain my home. If this is true they will review and approve my loan to be restructured. This loan can be easily put back on track but they are more interested in foreclosing.The principle amount can be reviewed and lowered, the interest rate can be reviewed and lowered. Mortgage companies have been doing this to help homeowners ever since the housing crisis. I don't see why this company can not. Again I am disputing my denial of a loan mod/restructure and am demanding that my loan be reviewed for a retructuring.I have had trouble paying in the past but am in a much better place to make this work.Also the foreclosure date is set for XX/XX/2020 and if I am correct the notice has to run in local paper for 31 days prior in Georgia. As of Today XX/XX/XXXX it has not been posted in our local papers legal section. They are foreclosing illegally.

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 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I went to the bank to get a hold placed on my account because of unauthorized transactions. I was refused this because I had a deposit incoming that the bank wanted and instead the bank disputed their fees and the transactions for me. At this point I was informed and had confirmed by the branch manager of the bank that I would get two different provisional credits, one immediately and the other in 10 days. Yesterday was the 10 days and the second credit did not arrive. I called the bank and got excuses and we aren’t giving you what you were promised and when I demanded the bank manager call me back he did not reach out to me. All because the bank was caught in a lie. I want this situation to be resolved by the credit I was told I would receive being immediately placed into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/2019 , my employer received an email from Apex Servicing with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted Apex Servicing who first stated that they don;t have me in their system. Then the lady stated that yes she found me and the loan is for XXXX XXXX. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is  XXXX   XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that Apex Servicing is not licensed at all. THIS IS A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: AZ

Complaint narrative:
I attempted to pay the company the debt that I owed. I informed the company that I am in the middle of buying a house. I told them in paying off the company I need a Letter Of Deletion several times throughout the call, and I gave them my email address and mailing address because they said several times that I would definitely be receiving the Letter Of Deletion.Once I paid half the debt off, I asked how long after the debt has been paid, would I receive the letter, the same employees that said I would receive a letter, started saying that they never said I would, and they never send those types of letters... They immediately hung up on on me and when I called back they transferred me to a voicemail. I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: I.C. System, Inc.
State: UT

Complaint narrative:
I.C. Systems Inc # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.

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 2019-12-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Several charges were made on my Citibank credit card, which is a card issued by the US military for government travel. Approximately, XX/XX/XXXX, I received a fraud alert from Citibank regarding several unusual charges made to this card. I advised the Citibank representative that I had no knowledge of these charges nor did I make these charges or authorize anyone to make any charges and I properly disputed all charges as fraudulent at that time. Citibank subsequently froze the card to prevent further transactions and I was issued a new replacement card. 

The fraudulent charges are as follows : XX/XX/XXXX XXXX 's XXXX  {$57.00} XX/XX/XXXX XXXX XXXX {$66.00} XX/XX/XXXX XXXX XXXX {$4.00} XXXX XXXX {$28.00} XXXX XXXX {$9.00} XXXX {$29.00} XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XX/XX/XXXX XXXX XXXX {$29.00} XXXX  XXXX {$17.00} XX/XX/XXXX XXXX XXXX {$18.00} XX/XX/XXXX XXXX  {$200.00} XX/XX/XXXX XXXX XXXX {$35.00} I have never in the history of my use of this card utilized it in such a manner. This card is solely for use during military travel. On XX/XX/XXXX, almost eleven months after my dispute, I was advised by Citibank that I would need to dispute each transaction directly with the merchant where the transaction was made and until this was done, Citibank would not remove theses charges from my account. I have made several attempts to resolve this with Citibank, but they have refused to remove these fraudulent charges and I have been left with no choice but to file this complaint as I believe the Citibank 's actions are improper. Additionally, it is my understanding that consumers are not responsible for fraudulent activity with a stolen credit card or account number beyond the {$50.00} liability limit provided the consumer to appropriate actions, and I took appropriate action in this matter.

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 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.

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 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX XXXX # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.

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 2019-12-10 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: NY

Complaint narrative:
Transworld Systems is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX  information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
The mortgage company blocked me from being allowed to make loan payments via check online. I tried to call to explain that what happened is I switched banks. Before what I did was input my banking information the previous day and the money would come out the next business day because it was guaranteed funds in the account the next day. I didn't have an issue until I switched to XXXX. It took me two times to figure out that i would have to make the payment the day the funds were in the account because it pulls with them overnight. On the second time is when i was blocked from making check payments online however i explained what happened and that if they looked in their records they would see that i made the same payment amount when this was noticed so i shouldn't have been blocked. They want to argue that this isn't the first time this happened but it was a habitual or done maliciously. They want a check sent, etc however I will not be sending anything in the mail however I will guarantee that the mortgage will be paid every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EIC Enterprises
State: FL

Complaint narrative:
On XX/XX/2019, my employer received an email from XXXX XXXX with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted XXXX XXXX who first stated that they don ; t  have me in their system. Then the lady stated that yes she found me and the loan is for Inbox loan. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is XXXX XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that XXXX XXXX is not licensed at all. THIS IS A SCAM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
In XXXX, I purchased 3 money orders for {$990.00} each, total {$2900.00}. I delivered the money orders to the payee like usual. The payee proceeded to take the money orders to his bank ; however, the address portion of the money order was left blank by mistake, so 2 of the 3 money orders were returned and marked for fraud, while the other was put on hold by said bank. After contacting western union numerous times between XXXX and XXXX to try and resolve the issue ( for which I do not have the dates ), on XX/XX/2019 they directed me to go to the XXXX that I purchased the money order at because they placed a void on the money order, and they would be able to give me a refund or a reissue of the money order and to call back once I was there. Approximately XXXX on XX/XX/XXXX, I went to XXXX and called the money order service line as prompted, and the customer service representative instructed me to have the store call them to confirm that they were an agent. XXXX has a policy that says they can not call or do virtually ANYTHING without a physical copy of the money order. I did not have either parts of the money order because 1 ) the top part was shredded by the bank 2 ) the bottom part was submitted for a tracer request. Despite this being the case, the XXXX manager called anyway. When she called around XXXX, the operator at western union told her she didnt have to confirm anything. I called back and was once again instructed to have the store call to verify. Once she called again, she was told the same thing, she doesnt have to verify anything. I explain to the XXXX manager that the reason western union sent me to the store is because western union said that XXXX has put a void on the money order. The lady explained that once the money order is sold, there is no more contact between them and the money order, and that there was no way for them to even try and put a void on the money order. Ive Been running in circles and Ive hit multiple dead ends. I just need a solution. Ive attached legal photocopies of the original 3 money orders, as well as the email from the bank manager of XXXX XXXX XXXX  in XXXX, Ga XXXX to the payee about the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: AR

Complaint narrative:
MCM ONCE AGAIN IS COLLECTING AND REPORTING THIS FRAUDULENT ACCOUNT, AFTER CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

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 2019-12-10 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: UT

Complaint narrative:
XXXX  XXXX  XXXX  #XXXX  is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me XXXX/XXXX  Equifax {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX  XXXX XXXX XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have tried for 9 years to get my loan modified and survived several foreclosures scares.  As information, a XXXX XXXX XXXX  for XXXX XXXX  XXXX and XXXX  XXXX  operates on this property.   Recently, while doing research I found my loan is covered under the Department of Justice settlement with XXXX XXXX over Residential Mortgage Backed Securities.  Specifically attached documents verify my loan XXXX XXXX   is covered as per the DOJ statement.  Despite this, and contact directly with XXXX XXXX of XXXX XXXX, absolutely nothing has been done.

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