vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian failed to remove a debt from XXXX XXXX XXXX  when they were provided documentation as a result of the company was falsely reporting a debt that I di n't owe to this company. the were given enough information to remove the debt but they told me they had to hear back from XXXX XXXX XXXX first and it can take up to 30 days and it only took 24 hours and they verified wrong 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 non-monetary relief
Consumer complaint received 2019-04-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I was fraudulently charged about {$7500.00} on two citibank credit cards while I was traveling in XXXX, XXXX. Someone put some drugs in my drink and I XXXX  XXXX   on on the evening of XX/XX/XXXX. I was taken to hospital in an ambulance and received care. After I woke up, I was still heavily under the influence of the drug. I was dropped off at my hotel. I somehow made it my room and XXXX XXXX again for almost a day. Hotel staff woke me up in time to catch my flight back to USA.During the time i was XXXX  XXXX at the hospital, someone using a real estate company name, charged 5 transactions, each for about {$1500.00}, totaling 7,500 dollars to two credit cards I had on me. After 2 charges on one credit card each for about {$1500.00}, Citibank blocked the card and sent me fraud alert. After 3 charges on the second credit card, again each charge for about {$1500.00}, Citibank sent fraud alert on the second credit card On my return to USA, I used the credit card since I had no knowledge of the fraudulent charges on my credit card Once I saw fraud charges, I filed fraudulent charges claims with Citibank on both cards. Citibank fraud department is saying since i used the card after my return, they can not be fraud charges. Citibank fraud department agent refuses to look into the fraud charges even after repeated calls and after providing documentary evidence ( hospital bill in XXXX, insurance claim on my cell phone etc ) and 3rd party accounts corroborating what happened to me. I have requested an supervisor review. After almost 3 weeks, on XX/XX/XXXX, supervisor called me and left a message. I have called over 15 time and left multiple voice messages with supervisor to call me back. Supervisor never called me back.

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 2019-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I submitted to Wells Fargo a complete loan modification package. Three days late they denied me without even opening the file. However, on XXXX XXXX, XXXX the file was opened and underwritten and I was one piece of paper ( XXXX ) shy of getting into active foreclosure status. I immediately offered a supervisor the one missing paper but was denied. On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop the sale. My property was titled in XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing the BK XXXX I appointed XXXX XXXX XXXX, attorney as trustee of trust ( also my brother ). On the day of foreclosure I received a phone call stating XXXX XXXX, attorney 's for Wells Fargo had scheduled an emergency hearing at XXXX XXXX on the day of foreclosure. The sale ends at XXXX XXXX The hearing was a telephone hearing because I am XXXX years old and XXXX and awaiting XXXX XXXX. The four attorney 's for the bank pontificated till around XXXX XXXX before I got to speak. The bank 's attorney 's were not aware that my brother was an attorney and the trustee. The Judge made an error in dismissing the automatic stay because I had filed a Chap. XXXX Pro Se. I explained to the Judge that I would have an attorney at the next court appearance. The Judge lifted the automatic stay and ordered XXXX to cry out the sale. I had a witness, XXXX XXXX, at the XXXX courthouse and no sale was cried out from XXXX to XXXX XXXX. Also, the sale had been advertized on XXXX and was pulled the day of the sale. We think it may have been put back on XXXX for 2 minutes around XXXX XXXX The point is the sale was not a legal sale and the auction was a sham because I had investors at the court house steps ready, able, and willing to bid on the house. Using devious means at the last minute the day of the foreclosure sale CHILLED THE SALE. Only 7 days prior to the sale date I went to XXXX 's offices with a proof of funds letter to buy back the house. I have made numerous offers to buy back the house. I have filed a wrongful foreclosure suit Case # XXXX in the Superior Court of XXXX County to try to get a TRO to stop my eviction on XX/XX/XXXX. I need your help in setting aside a wrongful foreclosure. I qualitfy for a modification and even have the money ( {$450000.00} ) to buy back my house.

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have had some health and financial setbacks in the last 2 years. I have been trying to get a loan modification from Ditech for over a year and a half. However here in the last month they have agreed to give me the Flex Modification which lowers my payment by {$200.00}. I tried to negotiate a lower interest rate but was refused. Currently I have 18 years till the loan is paid with a 4.37 rant. The mod offered will keep my current rate but extends the terms to 40 years. I really could not understand the 40 year extension and really don't want to sign to the extension. Also in the modification documents there's a clause that states I have to get written consent from the mortgager to sell my house, I wanted to know why such a clause was stated in the verbiage. If I should sign this modification, I don't want this clause to interfere with me refinancing in a year. I have talked to Ditech representatives which says I can refi at any time but will not state this in written in the documents. Ditech will not remove the clause stating I have to get written consent prior to selling my house. 
Also Ditech sent me letters that state they loan is being transferred. I have receive welcoming info from the suppose to be new servicer. Then Ditech called me to say the loan is not being transferred. I really don't who to believe considering all the bad reviews listed about Ditech. Ditech has filled bankruptcy twice in the last 2 years. Where do this put me and my loan perspective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have a mortgage loan from XXXX, that was reaffirmed years ago and is being paid as agreed for many years now with no lates, however Experian reported that it was not reaffirmed and was not being paid as agreed ( they reported no pmts in over seven years ) which is not true, so I disputed the account with Experian. The problem is that Experian corrected the dispute by completely deleting the account from my file, instead of posting the correct paid as agreed! It damages my credit to not show satisfactory accounts! Unfortunately on Experian web site there is no way to dispute an account that has been deleted, and there is no way to add satisfactory accounts either! I believe it is on purpose that they make it hard for consumers to add satisfactory accounts, as it would be simple for a consumer to enter the account name and number to their form ( so the credit reporting company can confirm it ) if only they had a place to do it, which they knowingly dont. Since our credit reports are so important, and impact our financial lives so much, consumers should have a simple process to correct untrue, fraudulent, erroneous and or missing information on our credit reports!

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 2019-04-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, Experian and XXXX  are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

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 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Loan Care, LLC currently services my lender XXXX XXXX in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number :  XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Loan Care had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis. 

The ticket was never resolved and I was never provided the escrow analysis. I called Loan Care back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Loan Care also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Loan Care and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Loan Care continues to refuse to provide one. 

Based on my research I have every right to request a new analysis to be made, however, Loan Care is refusing to provide one. I feel my legal rights under RESPA have been violated. Loan Care has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Loan Care to follow the law. Happy to provide more details if needed.

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 2019-04-11 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: CA

Complaint narrative:
Inquiry XXXX in XX/XX/2019. 

I did not authorize this inquiry. Reached out to XXXX XXXX, they said they would notify the TransUnion. However it still shows

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 2019-04-11 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: CA

Complaint narrative:
I sent this company my detailed dispute and proof on XX/XX/XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.

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 2019-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX and TransUnion are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

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 2019-04-11 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: NC

Complaint narrative:
Equifax, XXXX and XXXX are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Inter-Cambio Express, Inc.
State: CA

Complaint narrative:
On Sunday XX/XX/2019 an employee of intercambio express located in XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX was distributing flyers promoting their business in front of my store and to my customers. Every day they've been sending an employee to my store to check the exchange rate my company has. They have become a problem. I tried to resolve it. I spoke with XXXX XXXX on Thursday XX/XX/2019 apparent owner of the business. She wasn't very helpful, and showed no concern to stop this unethical business practice. They are very devious and unprofessional. They are trying to play dirty. Therefore affecting my business that I've been operating for the past 24 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
XXXX19 Currently my SLS account report history on XXXX and XXXX still shows negative payment which recently caused a bank lender to refuse to accept a new personal loan. 

SLS currently shows : 5 times over 30 days late 5 times over 60 days late 6 times from 90-120 days late I have discussed with my lender on many occasions several to please update this as it is seriously limiting my financial ability to remodel my home and other investments. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a business credit card with a promotional 0 % interest rate for 9 months. Card was issued on XX/XX/2019 and email indicated the promotional rate of 0 % was good for 9 months. There was no fine print in the email confirmation I received indicating their terms would require the total outstanding balance of the 8th monthly statement would have to be paid to avoid incurring interest charges. I should have had until the due date of that 9th statement ( XX/XX/2019 ) before any interest was charged. 

However, with the 9th statement on XX/XX/2019 ( less than 9 months from when the card was opened ), the company charged me interest on the ending statement balance. When I called, they advised me that the fine print of the promotional literature I should have received in the mail indicated I had to pay off that balance on or before the due date from the 8th statement, not the 9th ( meaning pay it off by XX/XX/2019 ) which is actually less than 9 months, and that there was no additional grace period. 

I called to get the issue resolved, and the company did agree to credit back the interest charge, but would not correct the grace period end date. 

I've dealt with 0 % interest offers from a number of other credit card companies, and they always offer that interest rate through the due date for the payment due associated with the 9th statement, not the 8th statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

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 2019-04-11 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: FL

Complaint narrative:
i was victim of identity theft, somebody used my personal information and opened accounts on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation