vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 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: NVR INC.
State: MD

Complaint narrative:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX XXXX not NVR Mortgage Company. I have requested for NVR to  report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

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 2019-01-22 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: NV

Complaint narrative:
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to Trans Union, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while Trans Union and XXXX has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with Trans Union and XXXX but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.

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 2019-01-22 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: NV

Complaint narrative:
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and Equifax in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX has removed the account from my credit report while XXXX XXXX and Equifax has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with XXXX XXXX and Equifax but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This is about predatory offers of home warranty insurance. I sent a card back that was sent in my mortgage statement, thinking it was a request for more info. I never heard anything more. Then recently I discovered that payment for the warranty has been being held out of my mortgage payment for a year. 

I was never informed that the payment would come out of the mortgage payment, thus decreasing the amount I was paying on the mortgage and increasing the length of time that it will take me to pay it off and the amount of interest I'd pay. This is unfair.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TN

Complaint narrative:
I really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: GA

Complaint narrative:
I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX 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
Consumer complaint received 2019-01-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
About week ago I received promotional e-mail from Bank of America on my personal e-mail address, where they offered no-annual-fee Business Advantage Cash Rewards Mastercard credit card. 
In addition to term and condition, it stated that " This is a promotional email from Bank of America ''. 
Today I have got new email from Bank of America : Thank you for your interest in our business credit card We cant approve your request for an unsecured account at this time. However, we have another option wed like to share with you. We can reconsider your application for a business credit card account if you secure it with a Bank of America Certificate of Deposit ( CD ). To take advantage of this offer Youll need to establish a CD in the amount of the credit line you want. We require a minimum of {$1500.00} with a 12-month duration. You can do so by : Visiting a nearby financial center, or Calling our Small Business Specialty Sales associates at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern. 

As per my understanding, Bank of America misleading customers and push their business on shoulder of regular people. 

I consider their action at least as violation of privacy and creating negative effect on people credit history. Promotion e-mail or mail have to be send to preapproved people.

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 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Moxley & Associates, LLC
State: AL

Complaint narrative:
I was contacted by Moxley and Associates in Alabama about a credit card debt that I owed. I worked out a payment arrangement to pay the debt in full over 24 months. The first payment was in XX/XX/XXXX with the payoff to be XX/XX/XXXX. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX. This put me ahead of the original payout date. I missed my XX/XX/XXXX payment but I was 2 months ahead of schedule so I did not think twice about it. XX/XX/XXXX I went to the website like always and submitted my payoff payment for {$440.00}. On XX/XX/XXXX I had a hold placed on my savings for the amount of {$470.00} and a $ XXXX.fee charged for garnishment. What???? I called them and the guy told me that because I didn't pay my XX/XX/XXXX payment they garnished my account. He told me that he saw where I had made the payment online for {$440.00}. but that I still owed {$31.00} that was the remaining balance even though in the beginning it had been equal installments. He demanded I pay the amount using a debit card online if I wanted the garnishment released. I did pay the {$31.00} but I still have a hold in the amount {$470.00} and a loss of {$100.00}. for a garnishment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. 

I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. 

Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? 

XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. 

Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. 

On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. 

On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). 

Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. 

Thank you! 
XXXX XXXX ( primary XXXX card holder )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: GA

Complaint narrative:
I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX XXXX report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX   reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with  XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo simple business checking account on XX/XX/XXXX with bonus code XXXX. The terms of opening this account were that I : open a new business checking account by XX/XX/XXXX, make a minimum deposit of {$25.00}, deposit {$2000.00} or more into the new account, have a {$2000.00} minimum balance in the account on day 60 and make 5 or more qualifying transactions that posted to the new account by day 60.

I opened the Simple business checking account on XX/XX/XXXX with a {$2000.00} cash deposit. The same day ( XX/XX/XXXX ), I made 5 mobile check deposits for {$5.00}, {$5.00}, {$5.00}, {$5.00} and {$5.00}. I confirmed via Secure Message that the bonus was attached to my account ( WF SM Screenshot 01 & 02 ). 60 days after opening ( XX/XX/XXXX ) my balance was {$2000.00}. 30 days after meeting the bonus terms ( XX/XX/XXXX ), my balance remained the same but no bonus was deposited into my account. I reached out to WF via Secure Message on XX/XX/XXXX and WF states that no such bonus code is attached to the account ( WF SM Screenshot 03 & 04 ). On XX/XX/XXXX I reached out to WF again and they changed the term to 45 days after day 60 ( WF SM Screenshot 04 & 05 ).

I decided to give WF a chance to fulfill their changed terms and waited until 45 days after the terms have been met but there has still been no deposit to the 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 2019-01-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my equifax, XXXX, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 -XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX  - XX/XX/2018 XXXX XXXX XXXX   - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 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: NC

Complaint narrative:
I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent a money order to the US department of state with documentation such as birth certificates and marriage documents. Attaches with these documents was a money order for {$320.00} to pay for the application for my wife to come to this country. I was then informed that the money order never arrived, but the documents did I had to pay again this time i used a credit card. I contacted Western Union about the matter and they stated that the money was delivered and someone else cashed the check. I tried to resolve the matter with them as I feel robbed of my {$320.00} which is a lot of income for me as I am retired and XXXX and only receive {$680.00} a month. I will attach a copy of the money order that Western Union provided to me when i tried to resolve the matter.

Company response to consumer: Closed with explanation