vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, I settled my payday loan debt with the XXXX XXXX via XXXX XXXX XXXX. 

Prior to XXXX XXXX receiving my account, National Credit Adjusters was responsible for settling the debt with me. Instead, they passed my account on to XXXX. 

Upon settling the debt with XXXX XXXX, they provided me the attached documentation to verify my settlement and {$0.00} balance account with them. 

On XX/XX/19, I emailed National Credit Adjusters ( NCA ) the same attached documentation and requested a paid in full/XXXX balance letter from them. They informed me that they needed documentation as well as the payment from XXXX validating my account had been paid in full. 

Since XX/XX/19, I have called NCA 's Compliance Department at XXXX at least 3x a day requesting this same letter. They are not responding back with proof of the account and I simply want a zero balance letter or it to be deleted from my credit report. 

On today, XX/XX/19, I have called their Compliance Department at XXXX still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
ACCOUNT IN REFERENCE IS NOT RECOGNIZED AND IS NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In or about XX/XX/XXXX, said individuals mortgage my home, XXXX XXXX XXXX XXXX, XXXX. My mortgage payments were paid by XXXX XXXX/XXXX XXXX XXXX XXXX. 

Nevertheless, I was notified by Wells Fargo in XX/XX/XXXX/XX/XX/2016, that an impersonator signed refinancing documents. Thus, I contacted Wells Fargo in XX/XX/2018 after learning about my accounts. Representatives exclaimed I didnt owe anything and my accounts were satisfied.

Thereafter, I received an email that my account had been locked, due to several attempts to log-in.

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity fraud, I have reported this to all three reporting agencies time after time, but they still insist on putting these false reports on my record,

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
ACCOUNT IS NOT VALID AND IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: MT

Complaint narrative:
I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX  all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a method of verification. I specifically asked for all information they are using to investigate and come to the conclusion that all of the information is correct. They received the letter ( attached ) on XX/XX/XXXX. XXXX XXXX XXXX XXXX   Already on they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days from receipt of letter ) to provide me the proof or they need to remove these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we filed a complaint with the CFPB because Fay Servicing had not responded within 30 days to our appeal or application for a modification. 

On XX/XX/XXXX we received a letter from Fay Servicing on XX/XX/XXXX stating that we were approved for a deferment on our loan. The letter stated, " With a deferment, the total past due balance is deferred to the end of the loan. This second unpaid principal balance does not come due, until the loan matures or is paid in full. '' We contacted our customer service representative, XXXX XXXX, on XX/XX/XXXX to accept the deferment. XXXX XXXX was not available so we spoke with another representative, XXXX. XXXX confirmed that we accepted the deferment and would put the process through with our acceptance. We emailed the applications department at Fay Servicing our acceptance as well. We were told a conferment letter would be sent to us with a XXXX label. We asked how long would it take for the letter to be drafted. XXXX said it usually takes about a week or so and said he would stay on top of it to make sure it gets out soon. He also told us that all foreclosure proceedings were on hold and suspended for now. 

On XX/XX/XXXX, we called to follow up with XXXX XXXX and he said the letter had not been drafted and it would take another week to be done. We asked to speak with his manager, XXXX XXXX, who told us that we had been approved in the system on XX/XX/XXXX but that the deferment we were approved for was different than what was written in the letter sent to us on XX/XX/XXXX and sent to the CFPB. XXXX said that the large deferment that we were approved for was for half of the amount past due to be paid in monthly payments for 6 months in addition to the regular monthly payment and the other half would be added to the back of the loan. This is NOT what was written in the letter from Fay Servicings legal department, please see attached letter. We told him that this was not what was written in the letter from his legal department to us and the CFPB. We requested to speak with his supervisor to resolve this matter. We are awaiting a call back from his manager, XXXX XXXX. 
The letter also promised that the foreclosure proceedings are on hold, but we do not believe that to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX CT XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS TRANSUNION, XXXX, XXXX AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX TRANSUNION 'S PRESIDENT OF US INFO, AND XXXX XXXX XXXX VICE PRESIDENT OF TRANSUNION CORP AND XXXX XXXX PRESIDENT OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH XXXX ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT TRANSUNION CORP! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX   XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, XXXX, EXPERIAN AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX XXXX OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH EXPERIAN ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT XXXX  XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!

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 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I requested for the company to send me a copy of the original contract bearing my name on XX/XX/2019.  The company only sent me a copy of bill from LVNV Funding, which is the same collection company as Resurgent Capital Services. The has yet to send me a copy of any contract from the original creditor with my signature agreeing to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I set a {$500.00} check to Navient on XX/XX/2019. The check cleared my account on XX/XX/2019, but has never been credited to my account. I've called twice on the issue. The first time, they apologized and said that my account would be credited by the next morning but it was not. I waited a week, and called back to explain the situation again. This time, they said that they were unable to find a payment and suggested calling another department to request that my {$500.00} be returned in 4-6 weeks. When I allowed them to transfer my call, the phone rep simply put me back in queue for her own department, which was the phone number XXXX. Navient has effectively stolen {$500.00}. They've cashed the check and will not credit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
I submitted a complaint before and Home Point Financial claimed the issue was fixed which is not true. I never received a direct call from a supervisor/manager that can truly address my questions/issues. I just received another escrow analysis showing that my account is low which now means my monthly payments have increased by almost {$320.00}. Every time I call for answers I get another escrow analysis which then turns into me paying more ... .how is that possible?? I contacted the City of XXXX regarding my " past due '' tax payment notifications and they said that the mortgage company has been submitting payments late, hence they have also charged me interest. I need HELP getting someone who truly knows the business to explain why and fix all these ongoing issues, including escrow balances and interest charges. Please let me know if there is anywhere else I can raise this to, it's been months and resolution is way overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I was rejected for credit because my Experian credit account was frozen. Three times I have followed their online process to temporarily thaw my credit report for 30 days so I can apply for credit and each time the response from Experian is that the report is not frozen. When I reapplied for credit, I received the same rejection for the same reason : credit report is frozen. I did not have this problem by thawing either XXXX  or XXXX. 

Now, my credit is damaged because I have two hard inquiries within 6 months on my credit reports. No matter what I do Experian tells creditors my account is frozen when it is not. 

Thanks.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my XX/XX/2019 Statement, the bank charged a " RETURN CHECK FEE '' of {$28.00}. 
There was NO such " RETURN CHECK ''. On XX/XX/2019, an electronic payment of {$25.00} was made in good faith from a XXXX XXXX XXXX  account, which unfortunately was SHUT DOWN BY XXXX XXXX XXXX AFTER THE PAYMENT WAS MADE, due to IDENTITY THEFT and FRAUD. I IMMEDIATELY opened a new bank account and made a SECOND payment to this credit card on XX/XX/2019, WITHIN THE PAYMENT TIME FRAME AND BEFORE THE DUE DATE. This payment WAS SUCCESSFUL, in the amount of {$480.00}. 

There is absolutely no reason to charge me a " RETURN CHECK FEE ''. 

On the same day, XX/XX/2019, at aprooximately XXXX EST I communicated electronically with bank associate " XXXX XXXX who stated that the fee would be removed if the originating bank sent a fax stating that " the funds were available on the date the payment was attempted ''. XXXX XXXX XXXX was contacted and this was sent. 

The fee was still not removed or reversed. 

On XX/XX/2019, I made a second communication attempt via fax, explained the situation again and demanded a fee reversal. This communication was not answered.

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 2019-03-04 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: PA

Complaint narrative:
XXXX  and Experian will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. XXXX   requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a few letters from Midland MCM stating that any debt older than two years will be removed, and I sent them letters requesting verification of these accounts because they were not familiar to me. I have an identity theft alert on all 3 credit bureaus. I need this company to verify my information in accordance to proper guidelines as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I initiated a call to the bank on XX/XX/XXXX to complain about the excessive interest ( XXXX % ) that has been charged since inception. The bank called and left message for me on XX/XX/XXXX and XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with a manager at bank and was told nothing could be done regarding the interest rate. The average rate currently charged by credit card companies is XXXX % ; Barclay 's rate is XXXX % or XXXX % points higher than average rate. Barclay 's lending is predatory - they have extremely high interest rates coupled with extremely high credit limits. Virtually all cards now offer rewards so the fact that this is a reward card does not justify such a high interest rate. My current balance is {$34000.00} and most recent monthly interest charge was {$720.00}. The credit limit is {$42000.00}. I have been a cardholder since XXXX. The bank made absolutely no effort to address my issue other than allow me to talk to a manager.  They did not want to know specifics about my issues other than to tell me that the Bank isn't currently lowering rates.

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