vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: Synovus Bank
State: GA

Complaint narrative:
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My loan was sold from XXXX to Ditech XX/XX/2018. My insurance and taxes are escrowed into my monthly home insurance payment. I received a notice from my Homeowners insurance company on XX/XX/XXXX that the Insurance invoice had not yet been paid. 
I contacted DiTech immediately XX/XX/XXXX. During the call I provided the name to the insurance company, insurance phone number, account number, and insurance agent phone number. ( Which I could already see was visible on my account profile online. ) The representative assured the payment would be made immediately. Yesterday XX/XX/XXXX, I receive another letter from the insurance and mortgage company that the bill was not paid. I contacted XXXX ( Insurance ) and they confirmed my insurance was pending cancellation. 

This morning XX/XX/XXXX, I contacted the Insurance Agent who advised I would need to pay XXXX to reinstate the insurance. She advised she had heard NOTHING from Ditech and was unaware a statement was required. DITECH has my money and has caused a lapse in homeowners and additional funds that needed to be paid. 

I demand to remove escrow and get full refunds for all funds paid to reinstate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
At the time of account opening {$200.00} bonus was offered for opening an account with new money. Now the bank is refusing to pay the {$200.00} bonus as apparently finer prints said if I have an existing saving product then it does not qualify. This is mis-leading and deceptive advertising as the finer prints were not placed in a manner that the consumer can see it. 
I would not have opened the account if the disclosure was properly made. 

I think the bank need to credit my account for the original offer as they misled me by deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
First my father XXXX XXXX died XXXX, modification was approved for XXXX and XXXX and XXXX. Faxed in death certificate, trust, grand deed, XX/XX/2018, Wellsfargo lost, faxed XX/XX/2018 lost, proof faxed XXXX, had for almost 4 months! Get letter dated XXXX that I, XXXX XXXX am the successor, so faxed in signed letter and modificaiton package. Wellsfargo home mortgage locked account and lock my fathers checking and savings account ( still locked ) with under {$50000.00}. I did right thing with trust, letting all of Wellsfargo departments know about his death! I could have paid the mortgage if wasnt locked out and if the money wasnt locked since i am the beneficiary! So mad why im treated this way and did the right thing when father died!

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 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
They authorized overdraft fees for posted transactions after my deposit went through to cover everything. There were 4 charges and only refunded one. My deposit was for unemployment insurance. And items posted same time my deposit went through, but their arbitrary charges are still pending!

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 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a Car getting a loan from credit acceptance, the vehicle was give problem after 1 week, I took it back to the dealer who tried to fix it twice and could not fix the issue. Car was making loud noise at the front and back, I tried to work with the dealer but they refuse to fix or give me another vehicle, I have small children and needed a reliable vehicle to move around. I made a {$2000.00} down payment and the car was value XXXX, after not getting any help and feel unsafe in the vehicle as I took it to a mechanic who told me I had to do major repairs with the engine. ( 2 weeks after purchase ) I decided to call credit acceptance to talk to them about the issue and the loan, I sent them emails and left voicemail no response. The vehicle was repossess after 4 weeks and the amount of {$5400.00} was placed on my credit report. I was told that the vehicle was sold after repossession by credit acceptance however they have place a negative {$5400.00} on my credit report and have a law firm threatening to garnish my wages. please help I have been unemployed for 4 years and just getting back on my feet

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 2019-02-20 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with XXXX ; however, the creditor, Suntrust Bank, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted XXXX to put them on notice to have the information removed from my credit. After waiting two months XXXX stated Suntrust alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that XXXX has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.

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 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Continues to call my place of employment although they have other ways to contact me. 

Called on XX/XX/XXXX19, called on XX/XX/XXXX19 andXX/XX/XXXX19 I asked them to not harass my employer after 1st contact still continues to call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer in the mail. The offer was for an APR 16.99 % after 12 months of 0 % interest. I applied for the card online and the application was approved, but the APR changed to 24.85 %. I contacted the company directly and spent an hour and a half trying to get to the right person that could help me. Unfortunately, no was able to help me and told me they cant change the interest rate. They also made the statement that they didnt see any promotional offer entered on the application. 

I informed them that I entered the promotional code XXXX that was on the paperwork they advertised to me. They said they couldnt do anything to help me. They also informed me that I dont have to keep the card. At this time my credit has been affected by their inquiry and will effect further applications and percentage rates. Due to the consequences I feel Citi is liable to deliver what they have advertised. Otherwise this should be considered a case of bait and switch.

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 2019-02-20 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: GA

Complaint narrative:
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.

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 2019-02-20 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:
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.

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 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Check Bureau, Inc.
State: MI

Complaint narrative:
National Check burea and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
We obtained a loan from XXXX XXXX XXXX  for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: CA

Complaint narrative:
To whom may concern : West lake financial services has done unfair debt collection practices with my information. I have tried to settle issues directly with them, and we have never got ten anywhere. Please help me. 


XXXX XXXX Account numbers XXXX My address XXXX XXXX XXXX XXXX, ca

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Waterfall Revenue Group
State: NJ

Complaint narrative:
There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: U.S. BANCORP
State: CA

Complaint narrative:
In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted US Bank and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted US Bank 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a 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 non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I am writing to dispute the following information in my credit report file. 
Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. 
I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. 

I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. 
This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. 
Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a  validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: LA

Complaint narrative:
Experian and XXXX are reporting me as 120 and 180 days past due XXXX XXXX  account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : 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