vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
I have contacted the credit bureaus, filed a complaint with the consumer bureaus, hired an attorney ( XXXX XXXX ) and also filed a fraud dispute with Identity theft. As I have attached prior documents to previous consumer complaints, in reference to XXXX XXXX XXXX XXXX. This account is not accurate and with my information being exposed in several data breaches, Such as my email, previous passwords used, address and job employer information that was also exposed in my credit reports and disputed.There are also several different ways my name is showing on my credit report, which my drivers license only shows one correct name. As someone was trying to previously use my name backwards or leaving out the first two letters to try and apply for credit. The correct spelling of my name is sent with this dispute and that name should only be listed on my credit report, as I only go by that name on my government ID. This current complaint/dispute keeps being sent to XXXX XXXX and with my information being previously exposed and recently observed on my credit file, is why I am now disputing. XXXX XXXX is forcing me to pay an account and this account has accumulated many interest charges, late fees and etc which I am not responsible for. This account was disputed directly with their department and was closed after advising them of this fraud. I was told I will not be responsible for this activity/ account. As they will closed the account for fraudulent activity and the balance was closed with {$0.00}. I am requesting for immediate deletion from XXXX, XXXX  and Experian and any other inquiries associated with XXXX XXXX Services. This account is severely damaging my credit file and has not been resolved. As XXXX XXXX wants to obtain a debt not owed by me. See attachments below.

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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent {$240.00} to a XXXX XXXX via XXXX through my Wells Fargo account for purchasing an XXXX XXXX XXXX XXXX from the XXXX XXXX. He was supposed to ship the watch the next morning. I never heard from him again after sending him the money. On XX/XX/XXXX, I filed a claim through Wells Fargo. On the morning of XX/XX/XXXX, Wells Fargo informed me that they denied my dispute.

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 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bryant, Hodge & Associates LLC
State: HI

Complaint narrative:
Days theyve contacted us :XX/XX/XXXX ( twice ),XX/XX/XXXX ( three times ),XX/XX/XXXX ( three times ) Asked me for an email to send me a letter containing the information. They had a random email ( computer generated ) one on file  and the letter just stated an amount and said they would sue if not settled. 

I contacted XXXX directly to see if we had a debt and they said theyd sent it over to an agency in XXXX and then when I contacted the agency they said they dont have anything linked to our name or social. 

The person calling came up as scam likely so and I blocked the number and then hes been calling through an unknown number and texting me. 

He first called us through our house phone number which is not linked to any accounts nor was it our number when we lived in another state at the time the account was made. He knows our cell phone numbers which we had changed since moving to another state.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've already talked to the bureaus. They need this updated information to come from XXXX. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to NSLDS at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the NSLDS do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under " Check in night '' payment method. Again, I did not renew any loan. 
Additionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.

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 2019-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX BoA notified me that my credit card ending in XXXX was compromised and issued me a new card ending in XXXX. 

In XX/XX/XXXX two charges were made on the XXXX account ( that should've been terminated ) to XXXX *Store for {$59.00} each totaling {$110.00}. I noticed the charges and called them in as fraud. BoA originally refunded the charges but later denied the claim stating I was responsible. I called back requesting an explanation and did not receive one. I asked for evidence to be mailed and nothing was sent. I asked for the claim to be reopened. 

Once again I was denied and a letter was sent. At this point I called XXXX to do the work myself. XXXX quickly flagged it as fraud as the charges were for two " XXXX XXXX annual subscriptions '' and XXXX noted I do not have account with XXXX ( nor do I own a XXXX ). XXXX gave me a reference number of XXXX to give to BoA to quickly resolve the issue. 

I called BoA again and provided them the reference number and also asked again why the claim was denied and no response was provided verbally or by mail as requested. With the new information another claim was opened and I received a letter 3 weeks later once again stating my claim was denied with no explanation. 

I am on my 4th appeal expecting the same result as BoA clearly is not doing anything appropriately with this. I am hopeful that the CFPB will help quickly resolve this as I have spent over 10 hr of my own time attempting to dispute that seems pretty straight forward.

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 monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Someone hacked into my online account and used Zelle to make two payments of {$410.00} each to an person or company unknown to me. This was fraud. using my online XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA

Complaint narrative:
Hello, I checked my credit report again today only to find out I still have two fraudulent derogatory accounts from Universal Collections Systems. One is admittedly a duplicate and the other has a date of XXXX which shows that Universal Collections is attempting to re-age an alleged old debt that I have not had the chance to investigate which puts them in breach of the Fair Credit Reporting Act. By placing fraudulent information on my credit report, Universal Collections Systems has caused much hardship in my life. They have also taken away my right under the Fair Credit Reporting Act that allows the consumer the right to dispute and investigate an alleged collection prior to reporting to the credit bureaus. Clearly Universal Collections Systems does not abide by reporting laws as they claim to have allegedly sent one correspondence in XXXX to an invalid address and then just decided to add these fraudulent accounts to my credit report 3 years later in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I have submitted two disputes with Equifax about a collection that is on my report from XXXX XXXX in XXXX AK on an account for XXXX XXXX XXXX who works out of the regional hospital. The debt is my daughters and not mine but cornerstone tied me to it anyway. The debt of {$120.00} belongs to my daughter XXXX XXXX. This was also on XXXX but after disputing it and their investigation, XXXX  removed it. XXXX  XXXX told us the bill was paid. XXXX was also covered by XXXX  XXXX XXXX XXXX, but they were never billed in this matter. We have not been able to contact XXXX XXXX as his phone just rings or goes to a fax machine. When we have contacted XXXX we are just told " you owe it you have to pay it ''. Equifax on both disputes came back with " verified by debtor '' who is XXXX. XXXX has a reputation in the community for collecting on debts already paid and Equifax should not just take their word on a debt before posting it to someone's report. This needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
XXXX we received notice from court for DiTech structuring. Notice says we make our loan payments to the same place as before on the same schedule. No issues in XXXX. XX/XX/2019 auto payment of {$1800.00}, see bank confirmation of payment. XX/XX/2019 statement says behind in payments and asks for 2 payments {$3600.00}, Also changed PO box for payment delivery. Called DiTech XXXX. Many long messages about restructuring. Dial 0 for a person and no one answers. Message says " Call back during normal business hours '' no matter when you call. Many calls and we push buttons to request more information and a person answers that is part of the restructuring of DITech, but can not help. Just plays a message which says DiTech is in business and make your payments as you always have. Where did our money go?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called the Chase Sapphire credit card number before I applied. I asked if the annual fee would be waived and whether I could submit the salary of the job I will be starting in XX/XX/XXXX. They read me a statement about the information you can include for salary and it specified that you can include income you expect to receive. Then they transferred me to someone who said the annual fee was waived the first year. 

I signed up later that day for a credit card and got approved. Today, they charged me the annual fee. When I called, they said they had no way of looking up who I spoke to on the phone, said that the waiver of the annual fee was a promotion that ended in XX/XX/XXXX and refused to waive the annual fee the first year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
I am attempting to refinance my current mortgage. In order to do so, I have been told that I will need to provide a payment history for the last 12 months. On XX/XX/XXXX, I contacted my loan servicer and asked them to provide me with a payment history. I was told that my request has been submitted and that I should see the requested document in 7-10 business days. It is now XX/XX/02 and during that time I have made 7 additional phone calls and I still have not received the requested document. I have verified my mailing address multiple times. I have requested the document be faxed to me 3 different times to 2 different numbers. I have been told these requests have been completed but have been given no proof that they actually have been completed. I have tried to talk repeatedly to a supervisor and have been told first that that isn't an option. Then on another call was told a supervisor could call me back in 1-2 business days.

In summary, I have over the course of almost 3 months made 8 different phone calls to obtain a simple document and have not been provided with the document or proof that the document has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX  / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to  recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
MR COOPER refuses to send my ESCROW nor Interest check. I paid off mortgage on XX/XX/XXXX. As of XX/XX/XXXX I still have not received my escrow nor interest check. I had a name change 2016 and received a letter from MR. COOPER verifying the change. I was sent an escrow check in the wrong name ( and bank will not take it. ) Called the company and was assured that a new check with the correct name would arrive within 2 weeks. When I called after that time I was told that I needed to submit documents for my name change ( which they had in the notes that they had received and noted that a letter was sent verify that the name was changed. ) The name change would take another week and then they would send a check. I escalated after the rep told me I should have taken care of the situation inXX/XX/XXXX. The Escalation Manager XXXX XXXX told me on XXXX that I would have a check that would be sent by XXXX on XX/XX/XXXX. He gave me a tracking number via email that turned out to be fake. I called back on Monday XX/XX/XXXX and spoke to another Escalation Manager XXXX XXXX who was quick to tell us that the company was human and therefore we should expect errors. She assured us she would send us an email with an update. She sent an email that confirmed the correct address but that she would have to let us know when the check would be sent. Today XX/XX/XXXX we called again and she gave us a routing number that the ESCROW would be sent via XXXX. No info on the interest payment. I still have not received the money due to me nor will I receive interest that is due to me for not having it. Yet I'm sure MR COOPER is making money off my XXXX that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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