vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Conville & Blitt LLC
State: TX

Complaint narrative:
I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, Couch, Conville & Blitt, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of XXXX XXXX XXXX - XXXX. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for XXXX. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. A fraud report was sent to you in XX/XX/2018. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXXthis fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. previously I just had to deal with another account that was figured out that happened like this I will resend the information from XX/XX/XXXXand you will be able to see it for yourself as well

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 2019-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I keep getting calls from this number and I have told them they have the wrong person and they would still call me. I have blocked the number on my phone and they keep calling me from different numbers. How many numbers can I block? This company is calling me frequently on weekdays, weekends and non-stop. 

Apparently its from a debt collection company called MRS Associates based in NJ

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: AR

Complaint narrative:
XXXX XXXX Transunion - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX cars. 
I wrote a 2nd request onXX/XX/2019and have not received a response.

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 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion customer service would not help with issue at hand. 

Hard inquiries not authorized Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX XXXX Made on : { XX/XX/XXXX } Made with : TransUnion

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 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
on XX/XX/2019 there was a ATM deposit of XXXX then XXXX credit to the student account. the ATM Number and Location : XXXX - XXXX - XXXX, IL. I also see two checks dated XX/XX/2019 for the amount of XXXX with this number XXXX on top right front corner and top has a Sequence No. : XXXX XX/XX/2019 for the amount of XXXX with this number XXXX on top right corner and top has a Sequence No. : XXXXchecks read XXXX  of district XXXX XXXX  XXXX  XXXX BANK and on the back show US Bank  ATM XXXX XXXX XXXX XXXX MN XXXX. This is why my savings and checking account is frozen due to this problem. Can you please help resolve this issue thanks.

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 2019-05-01 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: CA

Complaint narrative:
I had bought a watch and paid it off in installments. Apparently XXXX the creditor claims that they do not require a hard credit inquiry to qualify for their option to pay in payments. This is on my credit report and my credit score has dropped 6 points. This is unacceptable. The watch was for XXXX dollars. Experian lowered my credit score because of this recent purchase.

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 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I applied for an " Any Deposit Checking '' account from Bank of the West via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I received an email telling me that I am " customer_XXXX ''. 

On XXXX I received an email telling me I was declined, but not given the name of the Credit/Information/Verification agency consulted for my application denial. 

I called and emailed many times trying to get this information but they have not been forthcoming, despite the CFPB regulations demanding this. 


The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 


This is clearly a breach of the CFPB rules. I demand that Bank of the West provide me with the information as required by CFPB regulations. 

Thank you, 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 2019-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: AZ

Complaint narrative:
USI Solutions, Inc has contacted me several times between XX/XX/XXXX and XX/XX/XXXX. I have requested a copy of the signed note and was refused each time. Three times I was placed on hold and hung up on. XX/XX/XXXX I again requested proof and was accused of playing games and stalling. I was offered my social security number as proof. During repeated attempts to be cordial I was berated for my age, maturity, character and being bitter about a previous relationship. I then asked for transcripts of the conversation we had been having and was also denied. After a few futial attempts in my requests and being placed on hold six times I was connected to a Manager. The self declared manager also refused proof and transcripts of our conversations. It was after going around a few times in my request that I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: AR

Complaint narrative:
Equifax XXXX  XXXX - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/XXXXXXXX cars. 
I wrote a 2nd request on XX/XX/2019 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX Experian XXXX - P.O. Box XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/XXXX to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Financial XXXX cars. 
I wrote a 2nd request on XX/XX/XXXX and have not received a response.

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 2019-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We purchased our house and financed a VA loan through The XXXX XXXX Texas. Our loan was sold to Wells Fargo without our agreement. Wells Fargo is requiring both taxes and insurance to be escrowed. Every year, the escrow payment is increased due to taxes and/or insurance increasing. Previous years we have had to add funds to our escrow account to keep our mortgage payment from increasing. They called this an escrow buydown. No problem there. 

This year, our escrow payment increase and now I am being told that I can not add buydown escrow. I just have to deal with the higher payment. 

Coupling the increasing escrow payments, no buydown option, and not having the option to pay insurance or taxes separately will definitely lead to many people being forced I to forclosure because they cant afford the increased monthly payments. 

Wells Fargo needs to either allow their veterans using VA backed loans to buydown escrow payments, or not require taxes and insurance to be in escrow.

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 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
In XXXX of 2018 is when I tried to get lincoln to provide me with proof of this debt they would not show me that the debt was mine or provide me with a valid receipt or bill of any kid any and information other than that they wanted to get paid back and I owed a fictitious amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on XXXX   sunday morning. weekends. all times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GMH Associates Inc.
State: OR

Complaint narrative:
XX/XX/2019. I signed for a loan a loan with rate lock, from GMH Mortgage Services. 
XX/XX/2019. GMH ordered an appraisal, which I paid for. The appraiser provided a full report, however, GMH delayed lending until some exterior work on the condo building was done ( mostly painting ). 
XX/XX/2019. The rate lock expired ( because of the lender 's delay ). 
* I did not request a lock extension, nor did I request to buy more points. I never mentioned the lock expiration. 
* GMH did not mention the rate lock expiration or selling me more points. 
XX/XX/2019. On the closing day, the lender sent me a revised application. He said : " Since your closing is a mail away the loan will not fund until the XXXX. You sign the documents on the XXXX and it gets recorded on the XXXX. You will be getting a revised extension to sign good to the XXXX. '' Notice, it says nothing about increasing the points/fees associated with the rate or changing the rate. 
* I signed what GMH Mortgage Services sent me, not realizing that it was not merely the extension the GMH told me it was. It increased the points/fees associated with the rate by {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax could not find my name on their bureau. XXXX and XXXX has no problem getting a great score for me. Over 750 for both. We did this about a month ago and our mortgage associate at the bank told me to contact Equifax directly. I sent in everything they requested my license, social, etc. They sent us a letter back three weeks later and said that I dont have credit and to contact the other bureaus. Please help me find a solution for this :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on easter sunday morning. weekends. all times.

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase advertised a {$500.00} rebate if I sign up for their mortgage, so I did. They never paid me the {$500.00}. They said I didn't meet all their conditions, but their conditions were misleading and not clear. 

Mortgage closed on XX/XX/XXXX. At the closing, I signed a paperwork with escrow and my Chase mortgage bankers, saying I will use my chase checking account to direct pay my mortgage, and I asked Chase mortgage bankers whether that will be all, for me to quality for the {$500.00}. They said yes. 

I then went overseas to XXXX for a month for work, when I came back in XXXX, I didn't get the XXXX, so I patiently waited another month. In XXXX, I emailed my Chase mortgage banker, inquiring where the XXXX is. He got me in touch with their complaint department. Chase complaint department told me I didn't sign up for paperless billing so I did immediately but they said it's too late, over two months now. 

BUT, 1 ) Chase mortgage banker told me at closing that it's all good and I don't need to do anything else to qualify for the incentive ; 2 ) I  went overseas ; 3 ) I was only less than a month late to sign up for paperless ; 4 ) all my other chase accounts were already paperless so I had no idea the mortgage payment wasn't set up by default to do paperless ; 5 ) I never received any paper mortgage statement until XXXX. 

This is deceptive marketing : Chase put the {$500.00} rebate in big bold letters then somewhere using very small font to hide the conditions to quality for it. They set up a trap for me to not qualify - while all my other Chase accounts were already paperless, they set my mortgage payment to paper payment, and they never sent any paper statement until after 2 months when it's too late! How could someone with busy work schedule remember all their fine prints? I tried to reason with them : their 2-3 paper statements don't worth {$500.00} but they still denied my claim. I have an XXXX degree but I still overlooked this small fine print, imagine how many other people will miss this. 

Chase should credit what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a complaint due to bankruptcy showing on my Equifax report, the bankruptcy was XXXX I want to know when it will be removed. Rather than answer the question Equifax sent me a copy of my credit report. 

I want an answer as to when this bankruptcy will be removed from my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit report shows an incorrect balance of approx. {$19000.00} on my XXXX XXXX XXXX XXXX Visa, when it has actually been approx {$13000.00} for several months.

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