vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX  ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I suffered severe financial damages as a result of my deposits being held by Wells Fargo. I deposited a check on XX/XX/XXXX but Wells Fargo held the entire amount of the check ( {$6000.00} ) until XX/XX/XXXX indicating that my check was not endorsed. My financial obligations suffered adverse credibility because my check deposit was inordinately held. No advance payment was made to me on depositing the check. 
Many of my scheduled payments from my account with XXXX XXXX XXXX were returned and I had to pay several overdraft charges because Wells Fargo held my money. My utility charges, auto payments, and mortgage payments became delinquent and I believe my credit score was also adversely affected. I had many interest charges for late payments including late registration and a late fee for my child 's school. My family suffered serious deprivation as I was not able to meet my obligations to my sons and wife during the crisis caused by Wells Fargo. 
I have never had a check declined and I knew this check was valid and authentic but I was not given an opportunity to prove this. Regarding my inability to endorse the check, I requested the bank to call me to any branch in XXXX to verify that the check was deposited by me but my request was declined and Wells Fargo did not take any steps to mitigate my financial hardships until their predetermined date to release my funds. The company did not take any action to meet my requests for verification or return my check. I feel I was treated like a fraudulent person without an opportunity for a hearing. Wells Fargo simply predetermined when they wished to release my fund and held it until they so desired to release it without any regard to the hardships I was going through. 

One of the customer representatives had indicated that Wells Fargo would call the bank issuing the check for verification and availability of the money on the XX/XX/XXXX and the funds made available to me after an overnight processing on the XX/XX/XXXX but this did not happen. My checks with the bank that issued the check revealed that Wells Fargo did not contact them as of the XX/XX/XXXX to ascertain the authenticity of the check or availability of the money for payment of the check

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 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have sent multiple communications to Southern Management Systems. They have refused to send me the original contract that I signed. They also alleged that they have sent me verification of the debt and they were not sending me anymore corrospendences. I would like to see the contract and have the debt verified. On my credit report, it says I owe {$1600.00}. I would like to have this verified and if not verified I would like it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC
State: CA

Complaint narrative:
I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, *** The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX  filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities***.

I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018.

If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
SUBMITTED APPLICATION FOR A FORD VEHICLE THROUGH FORD CREDIT FOR A LEASE OF A VEHICLE.

THE MONTHLY AMOUNT OF THE VEHICLE WOULD BE LESS THAN {$300.00} AND MONTHLY GROSS INCOME IS {$2000.00} SUBMITTED ON XX/XX/XXXX ( BLACK FRIDAY ) AND ONCE PRIOR TO THIS DATE.

FORD CREDIT DENIED FORD CREDIT FOR A LEASE, REFUSED THE BASIS FOR THE CREDIT DENIAL THEN GAVE VAGUE ANSWERS AS TO THE DENIAL.

DENIED THE OPPORTUNITY TO SPEAK WITH FORD CREDIT AS TO THE DENIAL AND THE DECISION AND WAS ONLY TOLD BY A DEALERSHIP EMPLOYEE THAT A COMPUTER HAD THE LISTED CRITERIA UNDER MY NAME ; ( NONE OF WHICH WERE TRUE ) AS : 1. JUST A SHOPPER ; 2. A LARGE AMOUNT OF REVOLVING CREDIT CARDS ; 3. PENALIZED FOR NOT BEING A VEHICLE OWNER, 4. AND NO FURTHER INFORMATION WAS PROVIDED AND THE REQUEST FOR WRITTEN DOCUMENTATION OF THE DENIAL AND REASONS FOR DENIAL WERE DENIED. ( AMONG OTHER NEGATIVE TREATMENT ).

5. DESPITE THE FACT THAT A PRE-approvAL by XXXX XXXX for same priced vehicle, WAS PROVIDED BY XXXX XXXX BASED ON THE SAME CREDIT AND FICO SCORE FROM CREDIT PULLED ONE WEEK PRIOR ON XX/XX/2018.

TOLD THAT FORD CREDIT WILL DENY CREDIT NO MATTER WHERE AN APPLICATION FOR A VEHICLE OF ANY KIND IS SUBMITTED BY FORD AND THAT THE OPTION TO GO TO ANY OTHER FORD DEALERSHIP WAS COMPLETELY LOST BECAUSE THEY ALL ARE GOING TO DENY ANY LEASE OR PURCHASE AND THAT NO OTHER DEALERSHIP WILL ASSIST WITH ANY VEHICLE WHATSOEVER.

FORD CREDIT REFUSED TO FACTORED IN THE FACT THAT APPLICANT IS A HOME OWNER WITH A HOME PAID OFF WITH A VALUE OF OVER {$60000.00} ; A XXXX YEAR CREDIT HISTORY OF CREDIT CARDS ( XXXX CREDIT CARDS AND PAID TIMELY EVERY MONTH ) AND A XXXX YEAR EMPLOYMENT HISTORY.

THIS WAS A CLEAR CASE OF A BIAS, arbitrary, capricious, EGREGIOUS, UNFAIR AND DISCRIMINATORY SALES AND SERVICES, DECISION, ACT AND PRACTICE ON THE BASIS OF CREDIT ; THE COST OF THE VEHICLE AND AGE under XXXX years old, and AS a first time Lease or PURCHASE REQUESTED RESOLUTION : APPROVAL FOR A LEASE OF THE SAME TYPE OF VEHICLE, WELL BELOW THE $ XXXX MONTHLY PAYMENT FOR A MINIMUM OF XXXX YEARS/XXXX MONTHS REVERSAL OF CREDIT BEING PULLED MULTIPLE TIMES AND SUBMITTED TO FORD FOR A LEASE.

FURTHER, OFFERS TO PURCHASE THE SAME VEHICLE AND THE TERMS OF EACH and the monthly payments for each offer.

1. DIRECT VERBAL COMMUNICATION WITH FORD CREDIT WITH FAMILY AND SELF AS TO why there is a penalty for 1st time lease OR purchase 2. VERBAL COMMUNICATION DIRECTLY WITH FORD CREDIT WITH REASONS FOR DENIAL.

3. DOCUMENTATION OF THE DENIAL TO BE PICKED UP IN PERSON DIRECTLY FROM THE DEALERSHIP WHERE THE DENIAL OCCURRED 4. WHY NO OTHER OFFERS OF ANY KIND WERE EXTENDED, OFFERED OR FOR ANY VEHICLE at all 5. DOCUMENTED OFFERS FOR PURCHASE OF A SAME VEHICLE AND OVERSIGHT OF ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My address changed in XX/XX/XXXX. 
I sent new address to XXXX  on back of the monthly statement. It was never updated so I never received a statement at my new address. Also, the email they had for me was incorrect and I never even knew they emailed your statements. This was a shock because for 3 years I never got one email. I tried to explain this was their fault. It was their incompetence that has caused me to show two straight months of payments missing. Always pay in full, told them to check my history. The first amount was for XXXX dollars and the second for around XXXX. I dont have any 30 day missed payments on my credit. Now I have 2 in a row from the same and only company. I tried to speak with them, but the women in the country of XXXX that handle the phone calls for XXXX   are so rude and will put you on hold until it automatically hangs up. Im being penalized for them not doing their job correctly. Yes, I agreed I did not make the payment for those two months but, not because I was unable to financially, it was because I was not notified for three months. It was finally a phone call from target asking why no payment was sent. Please help because this mistake will hurt me for a long time and companies should have an understanding when something like this happens. They let people in other countries handle personal information. They dont care or have an understanding what a mistake like this causes to an individual due to the reporting to the Credit Agency. You see, they dont have that system in their country so what do they care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: SC

Complaint narrative:
This company XXXX XXXX XXXX a collection agency date XX/XX/2018 is charging me XXXX dollars where, I downloaded the cell phone equipment to the XXXX company. Where is affeting me in my Credit bureau and I tried to talk to them but they want to be paid that amount of money, where I do not owe that money ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX, XXXX sold an account to XXXX XXXX that was included in my bankruptcy discharge case # XXXX XXXX. The amount is approximately {$4100.00} and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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:
The following accounts are fraudulent, unauthorized and not mine : XXXX XXXX XXXX/XXXX XXXX credit card account : XXXX, and XXXX XXXX XXXX credit card account : XXXX. I never applied for the accounts, so the accounts are fraudulent, unauthorized and dont belong to me.

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Eauifax has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # 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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # 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 2018-11-24 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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris 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 explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I signed a paper to have my credit checked but never agreed to a credit account. I already have a complaint against XXXX XXXX for opening up another account. I was in a timeshare presentation on XX/XX/XXXX, they ran my credit said I was approved for everything, but never mentioned I was getting a card or any line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: MT

Complaint narrative:
received a bill from " XXXX XXXX '' dated XX/XX/2018 said I have an amount due {$660.00} to " XXXX XXXX XXXX '' which I'm sure I don't. 
I sent an email to XXXX XXXX XXXX but haven't received a reply from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: NJ

Complaint narrative:
I have contacted this credit reporting agency about Identity theft on several occasions. The following accounts are not mine as I am a victim of identity theft I have included the police report. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS FROM MY EXPERIAN REPORT. PLEASE REVIEW THE POLICE REPORT. 

" Upon receipt of a valid police report or valid state approved identity theft form, Experian blocks alleged fraudulent information from view by creditors and other users of the report. '' ( I HAVE SENT VALID POLICE REPORTS AND STILL HAVE THE FRAUDULENT ACCOUNTS ON MY FILE. PLEASE BLOCK THEM! This is my FINAL request to have the following are listed items listed below BLOCKED & REMOVED! 

***************************************************************************************************** # 1. TXXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3. XXXX XXXX XXXX XXXX. # 4 XXXX XXXX XXXX # 5 XXXX XXXX XXXX  .... # 6 XXXX XXXX XXXX ( 2 ACCOUNTS ) # 7 XXXX XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ) # 8 XXXX XXXX XXXX XXXX XXXX # 9 XXXX XXXX XXXX XXXX As well as I have fraudulent inquiries on my credit file ... .. All 3 of these should be deleted immediately ... 1. XXXX 2. XXXX 3. 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 non-monetary relief
Consumer complaint received 2018-11-24 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: National Credit Systems,Inc.
State: OK

Complaint narrative:
The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: OK

Complaint narrative:
The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a 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 2018-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account ( MEDICAL XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that ( MEDICAL ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

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 2018-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

Company response to consumer: Closed with explanation