vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MD

Complaint narrative:
On XX/XX/XXXX at about XXXX, I accessed my XXXX   account to check balance of my XXXX XXXX. The account said " Fraud Suspended '' and could not access the transaction history. I called the XXXX number and was told that a charge attempt was made from 'XXXX ' for {$8.00} so they refused the charge and shut down the card. I am very careful not to give anyone my card -- use cash for gas and other purchases ( I am a paraplegic- use a manual wheelchair, so dont get out of the car for some purchases ). If this was a hack against XXXX, XXXX, or Comerica, THIS IS THE SECOND INSTANCE IN ONE YEAR -- THE LAST OCCURRING IN XX/XX/XXXX. If this is Comerica trying to freeze seniors ' accounts to obtain interest for a few days on millions of dollars -- YOU SHOULD BE INVESTIGATING AND GETTING SOMEONE ELSE TO MANAGE OUR ACCOUNTS. I am following up with my legislators. TWICE IN ONE YEAR??????

Thank you for your great work -- I do know you help and have helped many people in our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: OR

Complaint narrative:
I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. 

My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. 

She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MA

Complaint narrative:
Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with Equifax and XXXX and collection is still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, Experian {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, Experian {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, Experian {$2600.00} Total I owe is {$5000.00} Experian shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, XXXX  and Experian. The Correct Amount owed : {$5000.00} Not owed {$9700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2018 BARCLAYS BANK DELAWARE located at XXXX XXXX   XXXX XXXX, DE XXXX ran an unauthorized credit report on me. I had given no written or verbal authorization to run this report, nor had I applied for any credit card or any other type of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, XXXX {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, XXXX {$2600.00} Total I owe is {$5000.00} XXXX shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. Transunion,  XXXX and XXXX. The Correct Amount owed : {$5000.00} Not owed {$9700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: MA

Complaint narrative:
Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with XXXX and Experian and collection is still being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MA

Complaint narrative:
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I CONTACTED THIS COMPANY BY PHONE AND LET THEM KNOW THIS WAS NOT MY ACCOUNT. I ALSO SENT THEM A CERTIFIED LETTER ASKING THEM TO VALIDATE THIS DEBT WITH PROOF LIKE A SIGNATURE FROM ME TO PROVE I AM INDEED RESPONSIBLE FOR THIS DEBT. THEY ONLY SENT BACK A BILL. NOTHING THAT VALIDATED WITH MY SIGNATURE OR ANYTHING TO PROVE IT WAS ME WHO OPENED THAT ACCOUNT. I ASKED THEM TO STOP REPORTING BUT THEY STILL ARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MA

Complaint narrative:
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, XXXX  and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MA

Complaint narrative:
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TIDEWATER FINANCE COMPANY, INC.
State: KY

Complaint narrative:
had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower.

Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure.

Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
I applied for a FHA Mortgage through Southeast Mortgage of Georgia. The night before our closing date, they informed me that I was denied of the financing, due to insufficient income. I changed jobs almost 3 weeks before my close date, but they didn't say this was an issue until the night before closing. They asked if my wife could be added to the loan, and we told them it was a possibility but not something we wished to do, or we would have done so from the beginning of the application process. They asked for some financial documents ( pay stubs, bank statements, a picture ID, property tax information and a mortgage statement for our current home ), which we provided, but never mentioned pulling her credit. After providing the documents listed above, we were informed on the XX/XX/XXXX that we still would not qualify, due to our Debt To Income Ratio. They then pulled her credit at all three Credit Bureaus, XX/XX/XXXX and XX/XX/XXXX, without our verbal or written consent. 

My wife is subscribed to a credit monitoring service and this is how she was notified of the inquiry. No one from Southeast Mortgage ever told us they were pulling her credit, nor was this necessary due to us being unqualified. This is a serious violation and we don't want this to happen to other borrowers in the future. We appreciate you looking into this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard inquiries from : 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 2018-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I received a debt collection notice dated XX/XX/XXXX from Resurgent Capital Services. Resurgent was attempting to collect on a debt that was never mine and was already dismissed by the civil court in Oregon. Additionally, there were 2 other companies attempting to collect the same debt that was already dismissed. I sent a dispute letter on XX/XX/XXXX.  I stated the facts above as well as disputed the legitimacy and requested validation. I also stated that they were to cease collection of this debt until such time as they validated the legitimacy of their collection. On a letter dated XX/XX/XXXX, Resurgent sent another letter attempting to collect the debt again. They have not followed the Fair Debt Collection Practices Act as such. They have not ceased or validated their legitimacy or the validity of the debt. And again, the debt was already dismissed in civil court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America to advise them that I was overcharged for internet/phone service by XXXX on XX/XX/XXXX for {$65.00} and XX/XX/XXXX for {$65.00}. The internet/phone service was cancelled with XXXX  on XX/XX/XXXX but the merchant continued to charge the credit-card account. Bank of America failed to investigate the complaint and did not address the dispute within the required 90-day time period requirement as mandated by the Fair Credit Billing Act. Instead, on XX/XX/XXXX, Bank of America sent a letter indicating that they could not help me because " the merchant have the right to receive payment for any services that were rendered, '' -- which obviously shows that Bank of America did not investigate this matter because the entire dispute hinges on the fact that services were cancelled with the merchant, not about the quality of the product/service. 

Please review and advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
Amsher Collection Services for amount of {$1400.00}. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
PENNYMAC TRIES TO KEEP AND PROFIT OF MY INSURANCE CLAIM CHECK WHILES I HAVE NO HOME TO LIVE IN I HAD WATER DAMAGE IN MY HOME AND FILED A CLAIM WITH MY INSURANCE COMPANY. TYPICALLY, INSURANCE COMPANY WILL WRITE A CHECK TO YOU AND THE MORTGAGE COMPANY. 
ORIGINALLY, MY MORTGAGE COMPANY WAS XXXXXXXX XXXX XXXX AND I HAD NO ISSUES. THEN MY LOAN GOT TRANSFERRED TO PENNYMAC. THIS IS WHERE MY HEADACHE STATRTED. 
PENNYMAC IS JUST REFUSING TO RELEASE MY INSURANCE CLAIM CHECK. ITS STORY AFTER STORY. THE CHECK WAS RECEIVED BY PENNYMAC ON XX/XX/XXXX & I WAS TOLD IT TAKES 6 DAYS TO PROCESS AND SEND US OUR CHECK. I EVEN SENT A POST PAID ENVELOPE FOR EXPEDITED DELIVERY. EVERYDAY I CALL, ITS ANOTHER 6 DAYS. THE CHECK WAS SENT TO THEM XX/XX/XXXX, ALL REQUIREMENTS HAVE BEEN SENT TO THEM BUT THEY ARE REFUSING TO PAY THE MONEY.CONTRACTORS ARE WORKING IN MY HOME AND NEED TO BE PAID. I HAVE BEEN OUT OF MY HOME FOR 6 MONTHS NOW AND NEED TO GET BACK HOME I JUST WANT MY MONEY ASAP. THE MONEY IS NOT THEIR MONEY, ITS TO BE USED TO PAY CONTRACTORS WHO HAVE WORKED TIRELESSLY IN THE HOME. THE WORK HAS BEEN DONE, THEY HAVE SENT SOMEONE TO INSPECT BUT THEY STILL WANT TO KEEP THE INSURANCE MONEY. 
ALL I NEED TO THE CHECK ASAP AND I WILL FIND ANOTHER COMPANY TO FINANCE MY HOME. I WANT THE CEO TO CALL ME AND EXPLAIN THIS BECAUSE THIS IS NOT FAIR TO HOMEOWNERS IF THIS IS HOW THEY BEHAVE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I opened a checking account online with Wells Fargo. I used my prepaid XXXX to fund the account with {$25.00}. Then on XX/XX/XXXX a young lady named XXXX XXXX contacted me about opening a savings account. I agreed and gave my XXXX info again to take {$300.00} and opened the savings. On XX/XX/XXXX another {$300.00} was pending as if she ran the transaction twice. I went into the branch on XX/XX/XXXX and was told that because they didn't SEE the pending charge i would need to contact XXXX. The banker also GUARANTEED me that my account was funded and in good standing and the {$300.00} was available to use. I did contact XXXX and was told that if Wells Fargo didnt deduct the funds it would be released in 11 days which i believe was the XXXX of XXXX. Now on XX/XX/XXXX another {$300.00} came out of the Wells Fargo savings account. I contacted the bank 8 times ; XX/XX/XXXX, XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX and twice on XX/XX/XXXX. Each time i was transferred and given a case number. If they listen to the calls there was a guy on XX/XX/XXXX or XX/XX/XXXX that said someone from the BANK initiated the " {$300.00} dispute '' on my behalf. I told the guy i never made a dispute so he made a dispute for the dispute they claim i made. I was then told on XX/XX/XXXX that it was in fact XXXX who made this {$300.00} dispute. I called XXXX and confirmed it was NOT them and told Wells Fargo I can provide proof or to CONTACT XXXX on a conference call and id verify. They instead refused and sent me a letter saying call XXXX which i already did and had them email bank statements to prove it was and is not them taking the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard inquiries from : 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