vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.

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 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
We prepaid Real Estate Taxes to XXXX County on XX/XX/2018. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/18 that 2018 RE Taxes had been paid to XXXX County in  advance. They did not acknowledge anything. On XX/XX/2018 we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/18 waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/18 and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/18. 

They claim escrow payments will go up on XX/XX/18, they also claim that they know RE Taxes were paid in advance to XXXX County for 2018 but they can not do anything 2018 RE Taxes were to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX 2018 and want to increase escrow payments eff. XX/XX/18 based on last year taxes and they will not budge from their stupidness. 

Do not understand why they need 15 months of RE Taxes in escrow when 12 months taxes have already been paid.

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.

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 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.

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 2018-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday XX/XX/2018 I spoke with Collections Supervisor XXXX at Wells Fargo at XXXX in reference to inaccurate late student loan payments XXXX60, XX/XX/XXXX-30, XX/XX/XXXX-30, XXXX30 that was reported to XXXX, XXXX and XXXX for a loan that I am a cosigner on. This loan was in forbearance for a long time then for some reason unknown to my self it came out of forbearance according to XXXX. I was never properly notified so obviously I was unaware of this change. In my conversation with XXXX he acknowledge that he had the wrong city for my address and this may be why I never received any notices. Also, XXXX stated I was never called from his records to notify me of this change. Without proper notification I believe this is a violation of Fair Credit Reporting Act. This has caused duress and a financial burden because it has hinder my ability to purchase investment property. After speaking with XXXX the account balance in question was paid on Monday XX/XX/2018. All late payments should be removed because Wells Fargo failure to properly notify me. I pray that Wells Fargo will do the right thing and correct this severe error.

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 2018-03-21 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: WI

Complaint narrative:
I submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.

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 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted by XXXX XXXX, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of BBVA Compass, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted BBVA Compass by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to BBVA Compass on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been trying to close my account with Capital One since the middle of XX/XX/2018. The main reason for closing my account is they have closed down all branches and ATM 's within a 30 mile radius of my home/work. There is ONE ATM located approximately 45 minutes away. I have been unable to download the app to my phone, so I have been unable to make any deposits. Therefore deciding to close my account. Cap One refuses to reject transactions from hitting my acct resulting in charging me overdraft fees. XXXX was the only company still able to somehow send charges through to my Cap One account, even though I updated XXXX with my new ( XXXX XXXX ) account and made that account my default/preferred account. I have verified with XXXX  today and the Cap One account has been permanently removed so no more charges will appear. I have called Cap One 4 times since mid XXXX trying to close this account. They said EVEN though I was signed up for overdraft protection ( where they would reject any charges coming into the account when there was a XXXX balance to keep me from having fees ), they couldn't reject these charges because they were ACH, not actual transactions made to the account? I have been on the phone this morning for over 120 mins on HOLD, transferred to THREE different departments JUST trying to make a deposit to my acct over the phone ( The acct that is SUPPOSED to be closed! ) I've had this acct for over 20 years, and they explained that they will not close the account unless I call back within 4 days and the account MUST show a XXXX balance for all 4 days before they will close the account. They have removed 3 overdraft fees for the account since I've been trying to close it, and I was able to make a deposit by phone using my current debit card, but I was rudely reminded that if any more fees hit the account they will be unable to remove them. Today I was on the phone for OVER 2 hours to try to make a deposit by phone so that I wouldn't be charged another OD fee. Their customer service is horrible, almost everyone I spoke to complained that the office was super short staffed and they apologized for the long hold periods. But, anytime in the passed 3 years I've had to call customer service for anything, I've never had a hold time for under an hour. They need to work on their account closing procedures to better protect and handle their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed by mail, phone, and online the inaccurate bankruptcy information on my credit report. I was advised the bankruptcy would be deleted however, it remains listed on my credit report.

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 2018-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NJ

Complaint narrative:
ON XX/XX/XXXX I received a letter from the collection company saying i owe on a loan from XX/XX/XXXX in the amount of {$34000.00} this loan does not belong to me, I never cosign for this loan I spoke to my daughter she said she never took out this loan. 

On XX/XX/XXXX i sent a dept validation letter to the collection company requesting information on the loan. 
the collection company sent me back incomplete information on the loan they sent a application promissory note. 
once i received this information from the collection company. I call the collection company on Friday XX/XX/XXXX trying to explain to the company that this was not my loan i never cosign for this loan. the lady i spoke to was very nasty to me on the phone and told me to file charges against my daughter for signing my name to the loan. 
i try to tell her my daughter know nothing about loan. but the lady was just nasty on the phone and hung up on me. 

on Monday XX/XX/XXXX i receive a call from the collection company after i told them in writing to only contact me through mail or email. 
i told the guy from the collection company to follow my request he ignore me and kept talking i told him im at work and to only contact me through mail or email he said no he and kept talking i told him its not my loan and stop calling me so i hung up on him. 

in my dept validation letter i told the collection company to remove the remarks they put on my credit report. which to this date they have me in collections for {$34000.00} dollars and have not remove the collection off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: NY

Complaint narrative:
The vehicle financed by XXXX XXXX was lemon and the dealer sold me a warranty that would not accommodate the issues with vehicle..Car was repo and XXXX XXXX didn't comply to NYS law by sending a certified letter indicating the intention of vehicle but instead reflects the amount I owe .... which they and credit bureaus are violation FCRA 609 ... If not resolved with your assistance ... .I will seeking actions with my attorney XXXX XXXX who specializes in such

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 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX  XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
File # XXXX I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Nordstrom/TD Bank. I have tried multiple times to have this item removed from my XXXX credit file, but it has not been. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. Nordstrom/TD  Bank ... balance : {$6400.00} ... date opened : XX/XX/2016. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.

Company response to consumer: Closed with explanation