vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: TN

Complaint narrative:
I've been in an ongoing dispute with Experian over the past 12 months. They have have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information. I've attached a copy of page 2 that I sent them on several occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is listed on a Alleged deed of trust, a company named XXXX filed suit in XXXX in a XXXX foreclosure and was denied for lack of standing, and according to the Texas secretary of state records XXXX 's name became inactive as of XX/XX/XXXX, then in XXXX of XXXX a Civil Debt collection suit was filed using XXXX  ( inactive ) as plaintiff in asking for both a judicial and non judicial foreclosure, which was granted to inactive XXXX. a foreclosure sale commenced on XX/XX/XXXX R.E.O 'd to XXXX XXXX, a company according to a certified copy of record from the Texas secretary of state is and was terminated as a foreign entity in XXXX and had no rights to bring suit against me, along with the attorneys working on behalf of XXXX, XXXX, XXXX, XXXX and XXXX XXXX. sending me letters stating " this is a debt collector attempting to collect a debt '' but are not bonded in texas as debt collectors according to the Texas secretary of state office, a fraudulent deed was filed in the real property records of XXXX county texas, and Legal Injury was caused by the illegal practices of fraud which resulted in a REO of my property by means of a constables deed and a recent eviction attempting to be served on me currently the sheriff was at my house this morning to kick me out, also fraud deed encumbered property of empty lots for equity on a homestead

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit Solutions LLC
State: CA

Complaint narrative:
This company has called me repeatedly, as much as 20 times per hour. Ive asked multiple representatives for more information about the debt, in writing to the address I have on file to better understanding they debt they are attempting to collect is in fact accurate. Specially I have asked repeatedly for information about the provider information, date services are rendered etc. but had been told repeatedly that it is not possible to receive more information about the debt owed. During the phone calls this companys representatives are aggressive and still continue to call after being asked not to contact me further.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, Wells Fargo opened various checking accounts that I had no need for, and erroneously charged me for numerous insufficient funds and overdraft fees. 

Then in XXXX, Wells Fargo initiated a foreclosure process on my rental property. The bank decided to send mail correspondence to the property address instead of my home. I was not notified, until much later, that my account was facing foreclosure. 

The news of the foreclosure prompted me to seek assistance in the form of modifications. In my efforts, I submitted a letter requesting loan modification. By the time Wells Fargo responded back to my modification request, my property was already sold. 

Wells Fargo refused to offer me any mortgage modifications, to negotiate, or offer any assistance for that matter. I qualified for modifications, and had funds to make good on the loan payments. Instead, the house I owned for 22 years, was sold due to being behind only {$9000.00}. Even though, I had enough money to avoid foreclosure. 

Wells Fargo showed bad faith, as they wanted to steal ( in my opinion ) the equity the in the property that took my wife and me years of hard work to build. 

Further, on XX/XX/XXXX, Wells Fargo claimed to have no documentation of my foreclosure. The bank could not find any documentation in relation to my mortgage number or my social security number. Currently, the property has an estimated value of {>= $1,000,000}. 

I contacted Wells Fargo Bank to repair the situation. On XXXX XXXX, XXXX, I received a check from Wells Fargo Bank for {$120.00} and a letter stating " Our priority is to make things right for you. '' On XXXX XXXX, XXXX. I had mediation with Wells Fargo Bank, where they provided me with documentation regarding the checking accounts in my name. There was an account listed with a Crown Banking that I was unfamiliar with and Wells Fargo Bank Forwarded no information regarding the Crown Banking account. 

During the mediation process, there was no discussion of the foreclosure, I experienced. I was advised by Wells Fargo Bank that they had no records of a foreclosure. 

Therefore, we did not settle the matter through the mediation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Fraud Report UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX I just recieved XX/XX/XXXX. Took 2 years but now that I know usaa can provide fraud reports I am requesting ALL FRAUD REPORTS be provided. See attatched XX/XX/XXXX statement. FRAUDS REPORTED XX/XX/XXXX are {$170.00} XXXX {$170.00} XXXX XXXX NON DELIVERED OR PURCHASED. ( WHAT EVER HAPPEN TO THESE INVESTIGATIONS BEGUN XX/XX/XXXX?????? ) next we have {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  NON DELIVERED TRANSACTIONS. USAA STEALS XX/XX/XXXX AFTER XXXX  PAYS XX/XX/XXXX XXXX Please provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS VERIFICATION OF ALL REPORTED FRAUDS. See attatched XX/XX/XXXX statement WE SEE CLEARLY AS USAA STEALS MERCHANTS CREDITS TO COVER MERCHANTS FRAUD LEAVING CONSUMER LIABLE FOR FRAUD FOR ** OVER TWO YEARS. XXXX XX/XX/XXXX {$2.00}, XXXX OTHER TEMPORARY CREDITS NOT APPLIED ONLY {$910.00} PERMANET CREDITS FROM MERCHANTS APPLIED. What merchants send USAA TAKES AS THEIRS FOOLING CONSUMERS INTO THINKING 2 CREDITS FOR ONE PURCHASE WHEN ONLY ONE CREDIT FOR ONE PURCHASE APPLIED WAS THE MERCHANTS. XX/XX/XXXX ALL PERMANET CREDITS FROM MERCHANTS SAME DAY ARE NEW CHARGES AS IF MERCHANT NEVER PAID.??? HUH?? PRETEND USAA TEMPORARY CREDITS ARE LISTED ONLY. They are NOT INCLUDED IN TOTAL CREDITS at bottom of listed ADJUSTMENT PURCHASES. USAA CLEARLY STEALS MERCHANT CREDITS XX/XX/XXXX {$340.00} STOLEN XX/XX/XXXX XXXX. {$470.00} XX/XX/XXXX. TRANSACTIONS BACK ON CARD XXXX TIME XX/XX/XXXX. USAA USES TEMPORARY CREDITS NOT APPLIED TO CREATE FRADULENT CREDIT REVERSALS OF {$2.00}, XXXX IN ONE MONTH XX/XX/XXXX. Provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS. AGAIN, USAA USES TEMPORARY CREDITS TO CREATE PERMANET CREDIT REVERSALS OF MERCHANTS CREDITS. XXXX PAYS XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX USAA STEALS AS REVERSED CREDITS NEVER MADE PERMANET HIDING THEM INTERNALLY ) ( ** USAA ARE THIEVES PER STATEMENTS NO USAA PERMANET CREDITS HAVE EVER APPLIED AND OVER {$4000.00} ARE REVERSED??? NO EXPLANATIONS PROVIDED OF FRAUDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: AZ

Complaint narrative:
I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was fraudulently charged {$24.00} on XXXX and another {$24.00} on XX/XX/XXXX from XXXX  and as A result of it, I have the 30 days late payments showing on my Credit Report for XX/XX/XXXX which I had never authorized anyone to swipe my card to anyone when I check the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: AZ

Complaint narrative:
I'm contacting you and your companies because my identity has been stolen and compromised inwhich fraudulent accounts been opened and closed in my name and I'm demanding that these accounts be removed and blocked from my credit file. What Method of Verification was used within your reporting system in order to process these accounts. Please remove these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX/ DEPT Of ED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On my Lowes credit card, I was inaccurately charged {$140.00} interest for XX/XX/2019 ( {$1200.00} ) and XX/XX/2019 ( {$520.00} ) purchases that was returned and/or adjusted. The XXXX purchase was returned and XXXX purchase was adjusted to {$330.00}. Also, the XXXX purchase balance after the return was {$160.00}. This is the second time that I was inaccurately charged interest on returned items/purchases. Also, I paid {$160.00} on XX/XX/XXXX to ensure that I wouldn't be charged any interest, and the auto payment should've also posted to my account. It appears that my payment canceled the auto payment, which should've also prevent no interest charges..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is XXXX XXXX. I re-sent a claim rebuttal form in for SunTrust for the claim in the amount of around $ XXXX. I wrote a narrative explaining that the claims department said no error occurred when in fact someone did take my routing and account number without my authorization and used it to make several ACHpayments. Please make sure they go back and really look into this and rule in my favor. If it is, please have the check come to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, VA XXXX. NOT the XXXX XXXX  on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XXXX XXXX, 2020, I purchased a money order sent to my merchant. Was notified that the money was not valid. Contacted the company the automated system told me that the money wasn't accepted because of, an error with the numbers on the money order. When i spoke with a customer service agent I was told that it was good, my merchant told me that western union put a stop hold on it. This has caused me to get highly upset, I keep my bills paid up, on time or before. I don't deserve this from a company that is suppose to honor their product. I should not have to pay for a return because of a error on their end. Really poor business practice, will not never purchase another money order from this company. The company is Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Florida Recovery Credit Services Corp
State: TX

Complaint narrative:
I was contacted by a company providing loans i did not pay much attention and My secretary unfortunately filled out the loan request form at this website where they asked for last 4 digits of my SSN, surely they are scammers. 

XXXX XXXX XXXX, What do I need to do to protect myself? 

Thanks XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX  : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX CC XXXX XXXX XXXX  : Re : XXXX XXXX XXXXXXXX XXXX XXXX solar project Hello Mr. XXXX My name is XXXX XXXX XXXX I represent a group of lenders in the XXXX, we can finance your Energy Projects, you just need to fill out the application form in the following site : XXXX XXXX XXXX, once that you have completed and submitted the  application form, please confirm it to me, with this action we start the loan approval process, the board of directors will review your project and after that, they proceed to issue a pre-approval letter, this letter contains the terms for the loan and you have to review the terms and if you agree then you sign the pre-approval letter and send it to me with some documents ( Proof of Identity -International passport or diver 's license of the borrower or scan copy of company license-, Utility Bill Receipt/Tax Return Receipt and Three Months recent Bank Statement ), with this information the lender proceeds with the due diligence process and after the lender approves your loan then he issues an approval letter, and when you receive it you have to sign it and send it to me and also you have to pay the security deposit as well as provide your account number where will be transferred the funds, with this information the lender issues the loan agreement that also has to be signed by you and after that, they proceed with the funds disbursement to your account. 

For the security deposit is used an escrow account where the owner is not the lender, the owner is an escrow agent, this escrow agent is an entity that holds the property in trust for third parties while a transaction is finalized. The role of the escrow agent is made by an attorney ( notary ). The escrow agent has a fiduciary responsibility to both parties of the escrow agreement. 

I am attaching an example of the Endorsed Irrevocable Bank Closing Undertaking where this document is establishing that if you do not receive into your bank account in the next following 48 hours after the confirmation of your deposit payment of {$100.00} KUSD the escrow agent will refund the {$100.00} KUSD to your account, please review it ( I only have erased the information of the customer due to this is a confidential information ). 

Please let me know if you have any questions Best regards XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-03-10 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: TX

Complaint narrative:
Victim of the Transunion inquiry issue. I did not receive a letter within 5 days after all inquiries were removed from report and placed back on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a credit repair company helping my husband and I repair our credit. They have sent disputes to all 3 credit Bureaus, XXXX  and XXXX  have updated our credit report accounts however Equifax has not. When I have called Equifax they said they never received anything from the company. When I have asked why they haven't updated our credit reports with updated information about our creditors accounts ( because last month we have paid down a lot of our dept. They told me that whenever they get the updated information from our creditors they will. When I told Equifax that I knew that they have the updated information because XXXX and XXXX  have updated their information. I got that I have to file a dispute. So I did. But I feel Equifax is not doing their job correctly. Something needs to be done. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 letter stating that I owed {$2500.00} to XXXX a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Hotel reservation for {$700.00} made with my CITI Bank credit card on XX/XX/2020. Several days later cancelled the reservation in accordance with the hotel policy as my travel plans had changed. I initially filed a dispute on the charge with CITI as the hotel said they could not refund my credit card. I subsequently cancelled the dispute as the hotel promised instead to refund the money to a checking account. After a month it was evident they were not going to do this either, so I called CITI to reopen the dispute. CITI told me the dispute could not be reopened since it had been closed. I asked their dispute department to contact me and they have not done so. This dispute should be reopened and investigated by CITI Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've try to make payments on BestBuy.com to promotional balances. It never works to try to apply to a particular promotional balance. However, the website states that it automatically applies the payments to promotional balances. I got an interest charge in my XXXX Bill for the amount of {$1300.00} for an item I bought 2 years ago, which was 24 months no interest. I've been making payments on time and substantial amounts i'm not sure how they've been applying the payments to the promotional balances, and i'm surprised how much they didn't put into my promotional balances. Every time i try to emailing them through their website regarding this and press send the screen goes blank. I'm not sure they are getting my emails and it is frustrating. I work during their hours of operations email is the best options. I want a list of how all my years of payments for the past were applied to my my promotional balances.

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