vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: Collection Consultants of California
State: CA

Complaint narrative:
I have tried several attempts in writing and verbally to alert Collection Consultants that they have sent me someone else medical information ; diagnosis, record number, etc and not the account they claim I owe for. I have alerted XXXX XXXX of this as well because this is a violation of privacy and HIPPA regulations. Each time I dispute this account XXXX  allows them to place meets FCRA requirements which is false and fraudulent. FCRA requires credit reporting to report accurate information. I have in my possession a completely different medical file that they are claiming I owe for. They have updated my credit profile to reflect they can not locate consumer. I do not understand how not only XXXX has received this information and neglected to research this and allow this to stay on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I noticed an account on my credit files reported by XXXX XXXX XXXX for an account with The XXXX XXXX. After contacting CCS they sent a bill from XXXX showing that I had auto insurance with them. 

I have never owned the vehicle that was covered by this insurance and I never lived at the address the insurance company has on file. 

In attempting to resolve this with both CCS and XXXX none are willing to help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted my credit card company regarding a purchase I made XX/XX/XXXX, while on vacation in Tennessee shopping at the XXXX XXXX XXXX. I purchased a package of 3 products from a Kiosk owned by XXXX XXXX. A sales rep, XXXX, approached me to demonstrate the product by applying them to my face and after she reduced the price several times I finally purchased the products for {$380.00}, that price was good for that day only. Her sales pitch was that if you use this product you will not need to have XXXX  XXXX or XXXX. After the purchase the sales rep XXXX, said she would email me the instructions on how to use their products. The sales pitch was all about and XXXX XXXX XXXX, " you don't need XXXX XXXX, this product will take care of the problem. '' When I returned home, I opened my products and read the instructions on the packaging, which was not the same thing the sales rep said when pushing her product. I then checked to see if she had emailed me the instructions on using the product. Upon reading the instructions she stated for " instant XXXX XXXX '', use once a week before going to bed, under your eyes, upper lids and between your eyebrows. Clearly this is not what the instructions said on the packaging. It stated " daily application ''. There are other discrepancies. She claimed the product contained XXXX  and XXXX XXXX, but its not listed as an ingredient. I tried the product and did not see the same results as the product she applied on my eyes at the mall. I followed her instructions applying the " instant eye lift '' at night before bed and had an adverse reaction. Under my eyes were all red and had bumps on them. I feel this sales rep has grossly misrepresented the product she sold me. This is out and out fraud. I contacted my credit card company and filed a dispute on XX/XX/XXXX and  also XX/XX/XXXX. All they did was to come back and say that they contacted the merchant and they stated that as per their records the goods sold are of excellent quality and free of any defects. Of course I did not expect them to say any different, but I feel this sales rep has misrepresented the product she sold me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: PA

Complaint narrative:
XX/XX/2018 - I made a more specific attempt to resolve issue to XXXX  and TransUnion. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported 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 2018-06-12 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 — Investigation took more than 30 days
Company: Client Services, Inc.
State: WA

Complaint narrative:
While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
On XX/XX/18 I sent a certified letter to XXXX XXXX aka Resurgent capital services. I asked them to validate a debt that was being reported on my credit report. On XX/XX/18 I received a letter from them asking me to contact office for further assistance and also wrote a disclosure stating I needed to notify them within 30 days of receiving the new notice if I dispute the validity of the debt. They told me to dispute the debt if I didnt think it was valid in response to my debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I noticed that there were purchases made from my account. I called TD Bank to find out what type of company XXXX was. The representative told me that it was for online grocery shopping. I told him that I never made those purchases and he had me fill out a fraud disclaimer. Hes asking a series of questions as he is suppose to, and Im giving him all the information. After everything is said and done he says, Ok Ms., so the last four of your card is XXXX. I said, No. The last four of my card is XXXX. Then he said, Were you aware that there was a second card connected to your account? And I said, No! I was not aware! How is that even possible? So he cancelled both cards and the next day I closed my account because my account was compromised. I am real sceptical about swiping my card places and will only take out money from the banks ATM. I feel as though this was an inside job because its not like the purchases were made from my account using my card number. These purchases were made from another card connected to my account. Someone should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 a company, operating in collusion with another company seized my private property ( one truck and trailer ), towing it to an offsite location and holding it without legal rights. The vehicle was parked in accordance with law, and the towing from private property violated multiple California State Laws ( see document attached below ). The state statute is very clear regarding the siezure without due process of property belonging to any individual in a towing matter from private property. As outlined multiple elements of the statute were violated. When I went to collect my vehicle, a law enforcement officer went with me. He reported to me this was an ongoing issue, with multiple complaints from consumers, but he did not have a criminal statute to charge the tow company and property owner with. The tow company stated I would pay a large sum of money compounding daily or not have my property released. The owner threatened me with bodily injury if I did not pay. They required the use of a credit card. I had to have access to the vehicle, and while I did not request services relating to the tow, I had no option to get my vehicle save giving them my card under duress. They charged the card and I wrote on the receipt the charge was under duress. The owner confirmed the meaning of the term. I then advised Bank of America of the duress use of my card. BofA took the matter for review and then advised nothing they could do with the merchant based on Visa rules. I contacted Visa and they said they would look into their merchant but have done nothing. Visa claim number is XXXX and BofA claim number is XXXX. The owner of the property in collusion with the towing company is circling the parking lot and grabbing persons vehicles. Multiple complaints appear on the web site for this behavior. A criminal and civil case review are in process now.

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 2018-06-12 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: NE

Complaint narrative:
I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX 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 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My original mortgage was purchased by Wells Fargo a couple of months after I closed on my home. I have been paying my mortgage payments for almost six years. I have been making additional principle payments to get to 78 % of the original loan amount so that I can drop the FHA mortgage insurance. I have contacted Wells Fargo twice in the past year to inquire the amount I need to get the principle down to and the process to make sure the insurance payments stop on time. I contacted them a week ago and this time they told me if I want to stop the insurance payments I would need to make an additional payment of {$2400.00}. They also said that my mortgage may be changed to protect the investors. Since this is an FHA mortgage I didn't think they could change the terms of my mortgage. It looks like they want to continue to charge me insurance payments even after the FHA insurance has stopped. How can I make sure Wells Fargo is following the FHA guidelines and I am protected?

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 2018-06-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, NJ XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX  I tried to report this dispute online through experian but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.

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 2018-06-12 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: NE

Complaint narrative:
I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: NE

Complaint narrative:
I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Be advised, this is not a refusal to pay the alleged, rather it is a notice sent pursuant to the Federal Fair Debt Collection Practices Act ( i.e. 15 U.S.C. 1692 ( g ) 809 ( b ) ) and the Pennsylvania Fair Credit Extension and Uniformity Act ( i.e. 73 P.S. 2270.1, et seq. ) that your debt may be disputed and validation is demanded. Please validate the alleged debt within 30 days by providing the following information : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ;? A complete payment history on this account ;? A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ;? Copies of all invoices, bills, and notices concerning this alleged debt ;? A copy of the first written communication attempting to collect this debt ;? A copy of any judgment obtained with respect to the alleged debt ;? Proof that the statute of limitations has not already expired ;? Evidence that you are authorized and licensed to receive payment of this debt ;? Copies of all reports or notices provided to any credit bureaus ;? Identification of the original creditor ;? Identification of all successors in interest to the original creditor ;? If this debt has been purchased or assigned, a copy of all related agreements. 



The following constitutes illegal or wrongful debt collection under the FDCPA : Harassing or abusive phone calls, messages or letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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:
On XX/XX/XXXX I contacted XXXX XXXX in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked XXXX XXXX if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with TransUnion. It is still there. I contacted XXXX XXXX on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that XXXX XXXX is holding my reputation hostage without cause.

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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My husband and I had a mortgage on our home and decided to enlarge the house. We jointly applied for, and was awarded, a construction loan in XXXX. Both names were on the loan and both names on the deed to the property. Once construction & inspections were complete, the construction loan was transitioned into a 30-year fixed rate conventional loan in XXXX. The loan had only my husband 's name on it, but both names on the property deed. We were told at closing that it didn't matter if my name was not on the loan, that if something happened to my husband I could assume the loan. Late XXXX, my husband abandoned the property and our marriage. Our divorce decree granted me full, exclusive use of the house. I contacted Wells Fargo Home Mortgage about assuming the loan. I was told that could not be done because I wasn't a co-borrower. Refinancing the loan could not be done because the property was " under water '', " upside down '', etc. There was a HAMP modification done in XXXX under my ex-husband 's name. 
If Wells Fargo XXXX had just allowed my name to be on the loan as a co-borrower, it would have saved me so much stress. Once the modification was done, the loan was never in arrears because I was the one responsible for the payments. 
Now in XXXX, the value of the house is still approximately 10 % " under water '' and my income has not kept up with the increases in the interest rate set forth by the HAMP modification. 
I can't do a modification or apply for assistance through a government program because of the criterion that the borrower must reside in the primary residence. I'm a homeowner, but not a borrower. 
The loan has since been service-released to XXXX XXXX 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