vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.

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 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: FL

Complaint narrative:
The company has claimed to be from a law firm and states that I am currently being sued. I have tried to set up payment via these phone calls with this company previously and only one payment went through, it was cancelled on their end and the harassing phone calls continued. They do not call my cell phone. They call my mother and harass her by telling her they have all of her private information such as her social security number and all previous addresses. We have asked to resolve this and stop the harassing phone calls with no success. The amount owed is less than {$500.00} and it is on a credit card from 3-4 years ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery A is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called Portfolio recovery and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information Portfolio recovery are throwing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: M&T BANK CORPORATION
State: NM

Complaint narrative:
On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon 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 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

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 2017-11-21 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: GA

Complaint narrative:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: GA

Complaint narrative:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

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 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I worked for the XXXX XXXX XXXXXXXX for 27 years as an XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX ) and was Forced to retire for reporting violations on the government system at age XXXX in XXXX. My students that was established in XX/XX/XXXXand should have been forgiven by the government as I applied, but it never took place. My loan was originally with XXXX XXXX but was turned over to Navient who is over charging students. My loan ended in XXXX at approximately {$17000.00} with an XXXX  Degree and I neve finished to get my XXXX yet my loan Went up to {$36000.00} plus. I contacted OPM who stated my loan should have been forgiven years ago. My Salary prior to retirement was {$71000.00} and now {$19000.00} annually. It is a struggle to try to maintain my current finances plus this student loan. I am a military spouse and my husband is currently suffering from XXXX and dealing with this situation and a student loan of this amount at my age is very stressful. I also have a severe physical, intellectual, or psychiatric XXXX and is in not state to repay a {$36000.00} Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.

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 2017-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX charged early redemption fees of {$49.00} for selling mutual fund shares prior to being held 90 days. It was an automated weekly purchasing program of {$25.00} per week. Charging nearly {$50.00} for {$300.00} of purchases over 90 days is excessive. 

More importantly their own rules do not clearly indicate when the fee is applied, and actually shows it being discretionary and arbitrary. 

This happened in 2 custodial accounts and I was unable to get resolution over live chat. 

Please see page 10 for vague description of short term trading they are trying to discourage ( account agreement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank America Business Card is allegng i owe them monies, however their unable to tell me how much i owe, or what was charged.

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 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.

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 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
In talking to a customer service rep, I was assured that credit score would not be a factor, mine is XXXX, not bad. Now my denial was based on 1. XXXX risk view score 2. XXXX XXXX  score 3. XXXX Auto Origination Score, so much for score not being a factor. Misleading advertisement, and I would expect discrimination in lending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called XXXX XXXX and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information XXXX XXXX are throwing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
Hello, We 've reached out to the servicer of our mortgage because we had an escrow shortage. We called the company in the beginning of the month to get this straightened out. We were told to email a copy of our homeowner 's declaration page to have our account reanalyzed. We sent correspondence on XXXX XXXX, XXXX and XXXX. We 've had no help and no one on the phone will assist. The mortgage company over estimated our escrow analysis. While I know we still will have some shortage we 'd like a correct escrow analysis completed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Wells Fargo changed my address without asking permission or notifying me of the change. I can be immediately notified when I make a transfer yet, somehow when they change my address the only notification is via USPS in 7-10 days?? When I needed to use my card in an urgent situation, it was denied six times  because it said I did not know my own zip code. How humiliating. Then after I raised a stink, they froze my card and said I needed to drive to a branch ( over 40 miles ) to show ID. Do I have any privacy rights? Oh the irony of having to provide my billing address ... ... let me see, shall I use mine or the one the bank gave me?

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 2017-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department

Company response to consumer: Closed with explanation