vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from XXXX XXXX about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Today I received notification that Citibank is reducing the limit on all my accounts to just above the outstanding balance and would not provide a reason. I have not missed any payments and the account is not delinquent. 

When I reached out to Citibank and asked how to request a review of this decision, I was told I can not apply for a credit limit increase until XX/XX/2021. I am not asking for an increase - I am asking for the reversal of a negative action on my account that is unwarranted.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech Financial has been adding unexplainable amounts to my mortgage and now that I was transferred to XXXX, they continue to send unexplainable charges and refuse to talk to me now that I was transferred to XXXX XXXX. Looking back on an activity record XXXX sent to me, in XXXX, XXXX, the balance of my mortgage was XXXX, they added XXXX taking it back up to XXXX with transaction note of " BK Cost Assess ''. I noticed this transaction as I was disputing a recent XXXX fee Ditech sent to XXXX to collect with no explanation. In addition to that, the added a {$15.00} charge claiming someone had to come and see if the property was occupied when I communicated with them often. XXXX can not explain it, Ditech will not communicate with this company or myself but yet, I am required to pay it. I have paid more than XXXX= on this XXXX home and they continue to gouge adding fees from XXXXe to Ditect, rolling over to XXXX. Young and desperate for a home, I was not keeping up with my balance until I took my finances seriously. When they send the bill, I paid, no questions putting my trust in them. Please review and assist in this matter or advise on what steps I should take to resolve this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lake City Credit
State: PA

Complaint narrative:
I received a phone call at the beginning of XX/XX/XXXX from a man identifying himself as an employee of Lake City Credit. He said he was attempting to collect a debt from a company called XXXX XXXX. 
I explained to him that I had paid another company a portion of that debt before realizing that they did not in fact own that debt and that I suspected this company, Lake City Credit had acquired that illegitimate debt. 
He refused to acknowledge this possibility and threatened to report me to the credit bureau for being delinquent. 
I told him that I did not want him or his company contacting me again. 
I received a bill from this company about a week later. 
I wrote to them on XX/XX/XXXX declaring that they leave me alone other than to prove that they owned this debt and had a legal claim to collecting it. 
They responded with a list of payments and dates that I had made to a different company in XXXX. There was no statement from XXXX XXXX, or any other company. 
I received an invoice from them on XX/XX/XXXX, stating that if I pad {$610.00} immediately they would delete my account from all three credit bureaus. This account is not listed on my credit report. It is not legitimate, they are trying to cheat me out of money based on a credit card that I had over 20 years ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd.
State: LA

Complaint narrative:
I've asked FMA Alliance to stop calling my home looking for someone who does not live at this address. They have been calling for almost a year. I've told them several times that this person does not live here and to remove my number from their list. Each time they assure me that my number is being removed but they keep calling and it's a different person each time. They call every hour, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Company calling Stating I owe a debt I wasnt aware of it not the debt Even old to the XXXX Jefferson capital Llc owed to them I dont owe them I sent a letter asking for original contacts no information came yet a still reporting on my credit report the company name is Jefferson capital Llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/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 2020-07-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here

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 2020-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute  all ftc violations enclosed and listed here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have reached out to this company on several occasions. They failed to provide validation of this debt. Sending me a copy of a bill or account summary does not validate a debt. I specifically asked them to send me the contract bearing my signature and they failed to do that. Therefore, they are not validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Dear CFPB, I am reaching out to you because 3 months ago when the pandemic started i was affected financially. at that time i reached out to my my mortgage company ( shellpoint mortgage ) for help to lower my monthly payment since my income was affected. 
after 3 months under review shell point mortgage denied my loan modification application because i didn't deserve a loan modification since i was not enough behind on my payments and therefore i didn't deserve the loan modification. 

Now i come to find out that even though my payments were on time shellpoint mortgage has charged me {$800.00} in late fees and home appraisals that i never ordered. 

I called to speak to manager who can help me clarify those invalid fees and every time i speak to representative they keep telling me no manager/supervisor is available and they wont back until the end of the year. 

please help me since i struggled keeping my mortgage payments on time and its not fair shell point mortgage is taking advantage of me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
My children signed up for instruments at school and ended up not wanting them anymore. I lost my job and was out of work for a while. I tried to make payments and stay current. The company sent my account to collections. They imposed fees of almost half of the debt on top of the debt, never sent me any notice about the debt and just put this on my credit, i was making payments and when i tried to contact them finally they more than doubled the amount due and will not reflect any payments i have already made to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from Credit Collection Services stating that they were collecting a debt for XXXX XXXX XXXX ( aka XXXX the car insurance company ). On XX/XX/2020, I sent, via overnight courier, and within the thirty day period of receipt of their letter, a letter to CCS, stating that the debt was disputed, and that they were not to call me, as it was inconvenient to speak with me on a telephone. This letter was sent as per my rights under the FDCPA and was received at their XXXX, Ma. office on XX/XX/2020, at XXXX XXXX Eastern Standard Time, signed for by " XXXX '' at a location there labeled as " mail room ''. 

At XXXX XXXX  on XX/XX/2020, at XXXX XXXX  Eastern Standard Time, I received a call from CCS, from an autodialer ( which I did not give permission to call me with ) using my full legal name ( which is what is listed on my Georgia drivers license and is listed as the debtor on the CCS original letter ), using telephone number ( XXXX ) XXXX, stating it was on a recorded line, and that the representative was calling from CCS. I advised the caller that they had received a letter two hours prior, which stated not to call me, and that " I hope you enjoy being sued ''. ( Please note that I have conferred with legal counsel regarding this matter, but have not filed any type of legal action. ) CCS ' direct violation of the FDCPA ( 15 USC 1692 et seq ) is the basis of this complaint. Furthermore, their office has been the defendant in multiple lawsuits, alleging violations of the FDCPA, several of being the type of incident I have described. Finally, two hours is plenty of time, in my opinion, for their office to remove my phone number from their system and to not call me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I started the mortgage process with Wells Fargo requesting a {$260000.00} mortgage with a 3 % downpayment, received the approval and commitment letter. 

Over time various documents were requested and I submitted them to their document management system, the documents submitted were then later claimed by Wells Fargo as never received. One such document I sent over was the Sales Contract and Addenda. With all of those documents in place and respective commitments fulfilled on my end, Wells Fargo decided they needed MORE documents before they could provide a closing disclosure. They decided more documents were needed the week of closing ( two days before closing as a matter of fact ). The document in question was in regards to an HOA insurance policy document, which not specified anywhere on the commitment requirements, and it suddenly became a requirement two days before closing. 

So now the sales contract is in jeopardy and I am likely going to lose out on this sale and {$1500.00} ( earnest money ) + the over {$1000.00} spent on inspections, appraisals, and other fees associated.

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 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2020-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander Consumer USA Inc. failure to comply with FCRA 611 ( a ) ( 7 )  within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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:
I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

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 2020-07-07 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: CA

Complaint narrative:
I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX XXXX  today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

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