vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
For 2 months this company has been calling me, my ex husband, a friend, my mom, and my little brothers, They have threatened me and my family saying that I have commited fraud and that if I dont pay them {$1300.00} I can be sued and arrested. The amount that they are charging me is not the amount that I owe and they are telling me it's because there are fees now but dont go into detail. The last conversation I had with them was today at XXXX and the man that spoke to me said since this is not my priority to just deal with the legal matters and hung up on me. But before this conversation today he called my youngest brother and a friend of the family and scared them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NV

Complaint narrative:
Per Ftc sec 609 credit agencies are not validating my credit account they are simply verifying my information

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 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I did not receive the {$500.00} bonus as advertised for opening and maintaining my Citibank checking account. A Citibank representative I spoke with on the phone said that I met all the requirements in order to receive the {$500.00} bonus, but she claimed that a promotional code was not applied to my account upon opening. I opened my checking account online using Citibank 's promotion website link on XX/XX/2019. I deposited {$15000.00} into my account on XX/XX/2019 and maintained at least this amount for 5 months and continuing to do so. An error in Citibank 's part should not exempt me from receiving the bonus. Citibank should honor the bonus for their new customers that meet all requirements.

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 monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Information on my credit report is inaccurate and has brought down my score. I have been working with the credit bureaus and moving to slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We have submitted several fax asking for 1098 account payment history for XX/XX/XXXX-XX/XX/XXXXand XXXX. We believe e payments were not posted properly and taxes overcharged without refunding credit on taxes. One year misapplied payment towards principal of over 7000 causing us to default n modified. Than again same practice. Of misapplying payment in XXXX causing us to modify again. They stated they advance XXXX in escrow yet we cant see it. Our records show we overpaid escrow with this suppose advancement in excess of over 8000 dollars. The 1098 forms showing payment history would prove this but they will not send it,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, Equifax and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: IL

Complaint narrative:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, XXXX  and Experian failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from 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 2020-02-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing took over servicing my business loan XX/XX/2019. They didn't have my proper EIN number so they started reporting under my SSN. I contacted them multiple times to have my EIN number updated. Finally in XX/XX/2019 they updated the correct EIN number. I have since contacted them requesting them to contact the credit bureau 's to delete the false reportings under my SSN number. They haven't done this and now when I am trying to refinance my house these loans are showing under my personal credit report and it's affecting my ability to refinance.

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 2020-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I hire Wellsfargo to do my payroll, I sign a Service Agreement with them, they were to provide all payroll services, such as filing my W4, quarterly report, Unemployment insurance from XX/XX/XXXX to XX/XX/XXXX.  Wellsfargo did not file my unemployment insurance tax, which cause Minnesota Department Revenue to levy my bank account. Wellsfargo stop doing business payroll in XX/XX/XXXX, which XXXX were to take all their clients, but I was not giving that same opportunity to do so because XXXX did not want to handled my payroll. I was not able to get passed nor current employees their W2 's. I feel Wellsfargo have cause me hardship. Listed below is what it would take for Wellsfargo to correct this problem is.

1. To file all unemployment back taxes 2. File my W2 for all passed and current employees 3. Pay any outstanding balance that occurred out of them not filing the my taxes on time.

4. I am asking Wellsfargo for a monetary settlement of {$75000.00} to settle this complaint.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Have been received calls from someone claiming I owe {$260.00} from a uncollected debt with XXXX XXXX. Have not had an account with them for at least 2years. Cleared all debts with them. 
The calls are aggressive wants my credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX. I have contacted the FTC and my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX bank bailout was suppose to help.borrower instead emc/Chase bank used greed to put me in XXXX XXXX ext maturity XXXX then another hamp XXXX ext me 30yr you can not get two hamp back to back no default involved after pay 22yr on 30yr fixed principal came atop then XXXX modify start over with interest atop again so I will never own home 32yr still.pay interest atop not fair 40yr interest on one loan loan should have based payment on XXXX divide income of XXXX month making XXXX affordable but to get 30yr from me you made my p & i XXXX so greedy investor continue get paid now I die never got my house i paid for since maturity went XXXX to XXXX i need to know if emc told Chase i was not new i was paid in full as far as interest on loan they should have went to next victim i been here 30yr i paid my loan i refuse pay twice don't let endChase steal my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was sold to XXXX/LoanCare. My hazard insurance provider billed me/them {$1700.00} on XX/XX/XXXX. They paid only {$580.00}. I am now getting insurance cancellation threats from XXXX XXXX XXXX. 

I don't like my loans being sold.We were happy with XXXX. 

What protects people with mortgages from having to deal with companies they did not select?

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Professional Debt Mediation Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. I do not believe this account is valid and correct, the collection has failed to verify the debt within 30 days of requesting more information and I do not believe that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Comenity Bank calls multiple times a day. They have all the correct contact information and have inserted past acquaintances phone number into my account information online. I have removed it from the account profile. They have also been contacting family members multiple times to obtain information they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
This is not my information reporting.

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I logged into XXXX to get my free credit report and was denied my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC has been calling me non everyday for over 3 years. I have told them over and over again that they need to stop calling me. I have called the company personally and asked they remove me from contact list. They call almost 2-3 times in a single day. 

The conversation is no we can not remove you from our call list. We do not have a call list, you can not stop us from calling. 

They also say we are on a recorded line which I tell them that I do not agree to and still they continue to record my voice and call without permission. 

Over the past year I would say I have recived well over 300 phone calls from Portfolio Recovery Services and everytime I tell them to stop calling / remove me from there calling list. 

Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
A caller from XXXX XXXX ( XXXX XXXX ) - she called and stated my social, the debt I owed, and a few other personal things. ( XXXX ( she had previously left a message and accused me of bouncing a check and defrauding a financial institution and ended her message with good luck ). I asked her to send a validation of debt to which she refused and stated the original creditor had to supply that. She then gave me a phone number that was not to the original creditor. When I said I will call them and verify then call back she threatened me saying I am refusing to pay, I will be sued or wages garnished and threatened something about a lien or taking my XXXX  XXXX XXXX and hung up immediately after the statement. Then a gentleman ( XXXX XXXX from the pre-legal with XXXX XXXX XXXX ) from the same company called and left a message stating they have tried every " appreciable '' way to get me to pay ( they have contacted me twice ) and that they have no more time and accused me of defrauding the company. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my 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 2020-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation