vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: Lending Club Corp
State: GA

Complaint narrative:
To whom it may concern, Last XXXX of XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( Lending Club ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then XXXX XXXX, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth 20K less than what we paid for it!! ) just after 8 months making hefty payments, of 300 more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into XXXX dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from XXXX XXXX showing paid as agreed, but with the wrong date of XX/XX/XXXX not XXXX of XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. Lending Club had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as XXXX is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as XXXX, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: PA

Complaint narrative:
I was contacted by COMMONWEALTH FINANCIAL SYSTEMS, in late XXXX I received a bill stating that I owed a dept dated XX/XX/14 to the XXXX XXXX  XXXX XXXX for over {$490.00} something. I called the number provided and informed the women I was confused about what was going on. They told me I went to the ER that date and I had an unpaid medical bill from then and that I needed to pay it. I told them I have been to that ER before but it was years earlier and definitely not that date. I told them that it was not my debt and there must be a mistake. I requested proof of the debt an EOB or any paperwork to prove the debt was mine or give any additional information. The women hung up on me and I have not heard from them again and I did not receive any paperwork from them at all. I was notified today that they have added the collections to my XXXX report. I take great pride in my credit and worked hard for the XXXX score I have maintained and I will not allow this company to fraudulently ruin my score. I have disputed the report to XXXX   but their methods of doing business and the frivolous nature of their actions are reprehensible and should not be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
My situation involves Key Bank, XXXX. XXXX, in XXXX, XXXX XXXX There have been numerous phone calls that have gone unanswered. When I was told I would get a return phone call first thing in morning, I cancelled engagement to be available. Upon checking, I was told Place was a zoo..by the manager. 
I brought another interested party to the bank..since phone calls were insufficient. We spoke to XXXX XXXX who originally handled the transaction on XX/XX/XXXX We needed to wire money to complete real estate transaction. Besides my funds in different accounts in Key Bank, we presented check for XXXX. 
We were told we had to wait a few days for check to clear. I decided to use line of credit since time was of essence ... but I wanted it paid off in full as soon as check cleared. It was deposited in my checking account. On XX/XX/XXXX I deposited an additional XXXX since I was soon to leave for our new home in Florida. I asked teller and XXXX XXXX to make sure loan was taken care of. They assured me it was. 
I left for Florida on XX/XX/XXXX. Got a phone call from XXXX XXXX asking what I wanted to do about loan. I was shocked ... but not turn back. Asked her to please take care of it and send transaction copies to me. 
When I returned and opened mail I could not understand transactions. Two of us in XXXX 's office heard her say she mad mistake but couldn't rescind resulting {$290.00} charged as interest. I asked to speak to manager. She was busy. I again was told she was unavailable ... and phone call was answered by third person who apologized for Place being a zoo and I should get an answer in a week. Of course ... no answer came. 
I have been with this bank for over 50 years..it has never been so unresponsive. 
I appreciate your intervention. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Y. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has done nothing but hesitate and provide misleading information and because of theyre long process customers such as myself are losing money. On XX/XX/2019 I filled a claim against a particular merchant ( XXXX ), they heard of my action so the merchant decided to cooperate and entitle me to a full refund. In order for me to be subject to any refund the merchant was very specific, # 1 i would need to stop any dispute with my bank ( which i did do ) and # 2 a letter from my bank stating that no case was under the specific merchant ( XXXX XXXX XXXX ) anymore moving forward. I follow the step, call my bank, wait and verify through the IVR system that transfers me to an agent, the first agent couldent help me i so got tranferred to the second agent and the second agent advised me she/he would do what she can and when all is said and done all i got was a letter stating " thank you for your inquiry regarding claim # XXXX ''. I called them a second time and explained my situation and what i needed but first i have to call the 1800 number, wait in line, wait for an agent to transfer me, the first agent cant help so i get transferred, agent cant help so i get another transfer to the XXXX who advises me it'll all be taken care of. I cooperate and wait for my letter. I am attempting for the third time to see if they can get it correct this time. XXXX XXXX XXXX will not issue any refund until my bank ( Bank of America ) cooperates, all the agents reply " I dunno who I can contact for that '', " oh ill see what i can do but i cant guarentee anything '', " my system wont allow me sir its down, youll have to go to a branch '' and the branch expresses the exact same words " oh try calling the 1800 mumber '' " I dont have acces to that sir call the 1800 number. Bank of America has kept me in this loop for nearly 2 months now. Please help me CFPB, Bank of America is causing nothing but hassle and sorrow for its customers and are making alot of people very unhappy. They're system doesn't work.

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
In XXXX XXXX, XXXX XXXX  XXXX put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX years old and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXXXXXX in Nevada ... I don't know if this is legit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Setup " bill pay '' with XXXX, for mortgage held by 5th3rd Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' 30th of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have been struggling to make loan payment to Tower Loan, due to unforeseen Bill 's. I called when I began to struggle & they suggested I come in to redo the loan. I did, but didn't have all the information they required. I explained again I was not able to repay the loan at this time. The manager of the store called today XX/XX/19 & said he needed a payment of {$100.00} which I explained I did not have. I am on special security dissability & recieve payment monthly via XXXX XXXX. He proceeded to tell me that he could go to court & have my payments garnished. When I told him I recieved dissability & legally he could not do that. He replied that he would place a lien on my XXXX XXXX card which has my XXXX payments on it. Which he can also not do. To which he replied .. he didn't know how I could even sleep at night & that I was surely raised better than that. At this point I just hung up the phone.

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have some fraudulent information on my credit report that they refuse to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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 have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

DEPT OF ED/XXXX DEPT OF ED/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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TN

Complaint narrative:
On XX/XX/2019, I applied for a work at home position with the company XXXX as an employee to make {$12.00} as a customer service representative. As part of the hiring process I submitted a background check on XX/XX/2019 with the consumer reporting company Checkr.

I was informed on XX/XX/2019 of pre-adverse action notification due to information on my background report. I wrote a dispute letter to the company Checkr by email requesting a re-investigation of my background report information as it is inaccurate as there is a pending Petition to Expunge one of the misdemeanor offenses on the report and for there to be an update showing the correct and accurate status of the offense. I also attached copies of my notarized paperwork as I did not receive file marked copies. The lack of file marked copies is a reason for my re-investigation request as well.

On XX/XX/2019 the company responded stating that the will do no further investigation nor re-investigation as the information they have gotten is accurate.

The company 's refusal to re-investigate not only violates my rights but also violates the laws set forth for them to accurately comply and re-investigate upon notification of such discrepencies. Furthermore the actions of Checkr failing to re-investigate also caused the company to further evaluate and make their adverse decision on the basis of the inccurate reporting of Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX We started a short sale with Loan Depot on XX/XX/19. After having to send them the short sale package multiple times, Loan Depot has come up with a list of items that are laughable. 

They are demanding a notarized copy of the broker 's license for the listing agent. This is one of the most absurd requests I have ever gotten having done over XXXX short sales in the last 12 years. The XXXX website has a complete and updated list of all licensees, and is free to anyone to look up. The XXXX no longer gives out a hard copy of a license. What does Loan Depot want exactly??? There is NOTHING to notarize. What do they want a statement saying I printed this off the internet??? 

Ridiculous. On to the next problem Apparently LoanDepot doesnt like the way the XXXX XXXX gives out their military orders. They have demanded the XXXX XXXX sign the orders that the homeowner printed off the internet SERIOUSLY? It was explicitly stated in the hardship letter that the short sale is being requested due to a military transfer AND- a copy of the military orders were sent to LoanDepot multiple times. Does the XXXX XXXX know LoanDepot is treating their servicemen and women like this? 

Since LoanDepot has only recently come into servicing loans in a short sale situation, we have seen disturbing trends in their document requests. These are happening on EVERY SINGLE FILE WE HAVE WITH LOANDEPOT. It is  apparent to me that they are currently exceptionally unqualified to be in this industry. They do not have any knowledge of Californias Bills, Laws and Statutes, and this is required if they are going to do business in the State of California. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are not able to perform according to California State Law, then they need to be banned from doing business in California. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: IL

Complaint narrative:
I am at my wits end - I have called XXXX XXXX regarding their incorrect reporting of the status of my account 16 times during the past year. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... ..AND THE LAST TIME WAS TODAY, XX/XX/XXXX I paid this car loan off XX/XX/XXXX and I actually talked to them that day about the inaccuracies of their reporting of my car loan to the credit reporting agencies. The girl actually said she would take care of it. Never heard another thing from them and my credit report remained unchanged. 

So ... ..today XX/XX/XXXX I receive a notification that some information on my credit report has changed. The updated my credit report alright, but they just moved the information around - and now my credit report has now gone DOWN 19 points!! They  had been reporting it as 30 days late 4 times and 60 days late 2 times. Today 's update now shows it was 30 days late 3 times and 60 days late 2 times. 

NONE OF THIS IS TRUE! I have NEVER made my car payment 30 days late, let alone 60 days!! 

Their customer service reps speak broken English and every time I call, I get a different answer from them! All I want is my account to reflect correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire or even do an investigation. This is a violation.

The letter sent back was dated XX/XX/19 past 30 days. This company willfully violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX  a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. 

Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified.

I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX and XXXX XXXX were approved for a loan modification through Wells Fargo to save their home. 
They were reviewed and found eligible. They adhered to the modification agreement and completed trial period payments in a timely manner according to the stipulations. 
Wells Fargo mailed a letter dated XX/XX/2019 advising they are closing the modification due to title issues. 
This is ambiguous and unreasonable. 
Wells Fargo offered {$300.00} and apologized for the oversight. 
When trying to contact Wells Fargo for some details or resolution, no one can provide an explanation.

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 2019-04-05 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: FL

Complaint narrative:
I have some fraudulent information on my credit report that they refuse to remove.

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