vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 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: IL

Complaint narrative:
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.

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 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.

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 2018-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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: MD

Complaint narrative:
PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TX

Complaint narrative:
For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX - I contacted Bank of America 's mortgage customer service line in efforts to make automatic drafts out of my account on XX/XX/XXXX and XX/XX/XXXX. My monthly payment is {$720.00}. The representative I spoke to put in the system the dates I requested and provided me with 2 confirmation numbers. On XX/XX/XXXX I received an email stating that BOA had not received my promised payment and that I needed to contact them immediately. I called BOA to inquire why the payment was not drafted from my account they responded by saying that my property was in the process of being foreclosed on. I asked if I could make a payment right then and there they stated no because of it's current status. I was then offered an opportunity to apply for a loan modification I received the necessary paperwork to apply for the modification and now a WEEK later there is a sale date on my home. It's like I never had a fighting chance to get my account current

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: WI

Complaint narrative:
I am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I reached out to Convergent in regards to the debt not belonging to me, I asked them to provide all the identifying markers to support their claim such as, Copy of original contract bearing my signature and a copy of the State or Federal ID that was used when account was opened, instead of providing those documents, they only provided a computer generated bill.

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 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I contacted your organization a few months ago to complain about my mortgage company, XXXX XXXX XXXX. I pointed out that they had taken over my loan from XXXX and had failed to give me any consideration for homeowner assistance programs. After filing this complaint, Rushmore did respond and requested that I provide them with the updated financial information. I sent in all of the documentation that showed I now had a change in my finances and was making more money. Rushmore told me I needed all of the paperwork in no later than XX/XX/XXXX in order for them to conduct the review. I got the paperwork in to them the last week of XX/XX/XXXX, but then they changed their tune and called me and told me they were unable to review, that the ACTUAL cut-off date was XX/XX/XXXX. This is just another example of Rushmore Loan Management engaging in unethical foreclosure practices. Since they took over my loan from XXXX they have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. I have lived here since XX/XX/XXXX and XXXX XXXX XXXX XXXX  for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as XXXX  XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. To make matters worse, Rushmore PRETENDED they were going to work with me and help me, and then when I submitted the information they said sorry, you are missing one signature on the XXXX so we are kicking you out of review -- and also, you sent this in to us too late!! Even though they had given me a different date when I first contacted them. Rushmore has now set a sale date for XX/XX/XXXX. This is wrong, they need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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:
Despite two written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: WA

Complaint narrative:
I am filing this complaint due to the frustration XXXX XXXX and myself had in getting a payoff for our mortgage. 

XXXX XXXX XXXX XXXX XXXX called Selene Financial on XX/XX/XXXX, requesting the payoff amount for our mortgage loan. They were told that the information was unavailable due to the fact that they had only started servicing the loan on XX/XX/XXXX but the information would be available on Monday, XX/XX/XXXX. However, when XXXX XXXX called on Monday they were told that the information was still unavailable but they were attempting to get it by later that day. Every day that week, several times a day, XXXX XXXX called for the information only to told that the information was still unavailable but Selene would call with the information later that day or the next day depending upon the time that XXXX XXXX call. 

On XX/XX/XXXX, I called Selene and was told that information was unable due to the transfer of servicing the loan. They were aware of the problem and they were working on it and would supply XXXX XXXX the information as soon as they had it. For every question I asked, I was repeatedly told they were working on it. It was like they were working from a script and would not deviate from their specific verbiage. On that same day, I called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, to ask for any assistance they could give me so Selene would get the payoff information to XXXX XXXX. I was told that the matter had been escalated by Selene and they would do the same. 

On XX/XX/XXXX XXXX XXXX again call and were told the same thing, they could not access the information. That afternoon, XXXX XXXX told Selene that they were ready to report them to an agency who handles complaints regarding matters such as these. Within 5 minutes, Selene called XXXX XXXX with the needed information. 

With computers, even with the transfer of the mortgage from one company to another, it should not have taken this long to get the information. 

I feel that XXXX XXXX and myself were given the run around from Selene during this time and they were not trying to get the information we needed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Over the past 6 months I have received numerous calls from XXXX XXXX XXXX XXXX XXXX department about outstanding debt. I have repeatedly told them I have never done business with them and have no clue what they are talking about. Each time they tell me I'm correct and they'll remove my name from their list. Then I get a call about it a few weeks later again. They have also yelled at me demanding payment or they will report it to the credit bureaus when I called them a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: U.S. BANCORP
State: PA

Complaint narrative:
We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim 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 monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.

Company response to consumer: Closed with non-monetary relief