vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Please tell NewRez, LLC that we reject the breach of contract and the new terms including this ridiculous fee schedule flat out and that we only agree to abide by the terms of the original mortgage service contract. 

If NewRez, LLC argues that they are allowed to raise certain fees, fine then we only agree to have our fees raised by a reasonable 5 % in dollar terms. 

Also, if NewRez, LLC insist on a collective {$55000.00} fee for any litigation then we are instituting our own fee of {$100000.00} to NewRez, LLC for any litigation costs regardless of who brings the claim or the merits of the claim. That is just one or our new fees. Please also have the CFPB serve as the document holder for our Fee Schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: NY

Complaint narrative:
Information does not 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 explanation
Consumer complaint received 2020-02-16 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: NY

Complaint narrative:
Identity theft victim

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 2020-02-16 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: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I have been trying to resolve this issue for many years. Wells Fargo Mortgage made a mistake in XXXX and I have been trying to resolve it with them via many routes. This mistake has resulted in over 50 reported past due account status updates on my credit reports as well as many late fees. It has affected my ability to get fair rates and credit approvals in other aspects of my life. I first wrote a letter on XX/XX/XXXX after many many attempts to correct the situation via customer service on the phone did not work. On XX/XX/XXXX a manager removed only 2 late fees and agreed that I was correct about Wells Fargo 's mistake. 

The error happened on XX/XX/XXXX when a partial payment was put towards principal instead of into unapplied funds for the next months payment. At that time, we were already paid half way through XXXX. Ever since then, there has been a snowball effect of where funds were applied and for what payment month. Currently per my payment records, we are paid through XX/XX/XXXX with our next payment being due XX/XX/XXXX. The company is claiming we still owe for XX/XX/XXXX. I sent the company a spreadsheet on XX/XX/XXXX with all payments since the beginning of the loan. I requested that they finally do what is right and remove all of the negative reporting, late fees, and update our statements to reflect that we have been current. 

I received a letter dated XX/XX/XXXX from XXXX XXXX an Executive Resolution Specialist stating that they would not be making any adjustments. She did confirm that WF placed the funds onto principal instead of into unapplied funds. 

I promptly responded with a faxed letter dated XX/XX/XXXX. I expressed that I would not continue to let WF incorrectly report my mortgage as they have done unjust significant damage to my credit and have greatly affected my life. I notified WF that I would be moving forward with several complaints. 

What they have done to me is unjust and erroneous! They refuse to correct their mistakes. I received another letter dated XX/XX/XXXX, from XXXX XXXX - Senior Vice President stating they would address my inquiry by XX/XX/XXXX. WF has a long standing reputation for being dishonest & deceptive, & I can not sit back and let them continue to get away with damaging my credit.

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 2020-02-16 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: Regional Management Corporation
State: TX

Complaint narrative:
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : Regional Finance Corp. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: MD

Complaint narrative:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

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 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Have an old account with XXXX  XXXX  that was sold to portfolio Services LLC. I received call as time of day from random numbers. They pretend to be calling from an attorneys office and when I do answer or tell them to stop calling they get rude threatening and continue to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TX

Complaint narrative:
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.

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 2020-02-16 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: TX

Complaint narrative:
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TX

Complaint narrative:
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.

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 2020-02-16 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar verification is unacceptable. 

Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Well Fargo is numerical showing payments were applied but never actually applied all.

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 2020-02-16 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: FL

Complaint narrative:
I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year.

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: MD

Complaint narrative:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

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 2020-02-16 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: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA Collections in XXXX NC placed a collection on my credit report for {$29.00} on XX/XX/XXXX and one for {$69.00} on XX/XX/XXXX from the same creditor XXXX XXXX XXXX. I contacted SCA collections directly and told them that ALL my bills from XXXX has been paid in full and requested them to take this off my credit report with the 1st reported {$29.00} and they refused and was very rude and unprofessional on the phone. So I contacted XXXX XXXX XXXX and spoke with XXXX, XXXX and XXXX several times and they stated in quote, " I have looked all the way back to XXXX and you HAVE PAID ALL BILLS IN FULL, There are NO collections and they have had problems with SCA collections. '' They then told me that they will send a updated report to SCA Collections. I called SCA collections again when the {$69.00} collection appeared on my credit report and again they were very unprofessional and stated they were not taking it off my report until I paid them. I re-laid information back and forth for days trying to get this resolved. An XXXX dispute is in progress now and another XXXX dispute was requested because the first dispute verified my information was correct but no change was made to my credit report. I have now received a bill from SCA Collections for {$270.00} for XXXX XXXX XXXX and I am worried that they are going to post that as a collection on my credit report. They are fruadently recording collections on my credit report that don't exist and I really need your help getting these off my credit report. I want to file a complaint on SCA collections for fraud and their customer service was horrible, unjust and very unprofessional.

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 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Months ago I was using my Bank of America Checking account for my personal needs, get my paycheck the companies I work with and everything was ok. 
One day I went to the branch located at XXXX XXXX to request the cancelation of my credit card once I wanted to be free of Debt. Once the employee ( Think his name was XXXX, but not sure ) saw the type of account I was using, he told me there was a better account to avoid my maintenance monthly fee, just setting a minimum Direct deposit and it would be cheaper than the XXXX dollars I was currently paying, that sounded good and I accepted the product change. A few months later I was checking my statements and I found that the new type of account the employee gave me comes with a XXXX dollars Overdraft fee and he never told me about it, it was supposedly better for me and now I see Ive paid 2 Overdraft fee in XX/XX/XXXX in  XX/XX/XXXX in XX/XX/XXXX. Which means {$150.00}, In XXXX when I found what was happening I started changing my paycheck to another bank and I called to customer service to inform about this and claim the funds once nobody told me and I felt abused, but they told me that I should go to the branch and put the claim there, they cancel my debit card stating that once the close the account I couldnt get any money back. I went to the branch one day and Ive waited for 20 minutes while the person at the door could find someone who could take care of me and they were just in the back talking and talking and then Ive been told I could wait until the same financial advisor could talk to me. By the way not in a nice way. 
I dont understand why they didnt help me and customer service just said they couldnt either.

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- XXXX XXXX XXXXXXXX - from XXXX, 2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and Peak loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXXXXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling XXXX and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX XXXX  showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order  to discharge these student loan debts..

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