vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX XXXX XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Experian dated XX/XX/2019 met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, 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 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
In 2016 The mortgage company " Di-tech '' financial created an " unapplied balance '' situation to my account without any explanation, consent, knowledge and it did not appear on my statements, end of year accounting. For 3 months they send out " we are working on it '' ... " we take these issues seriously '', etc., etc, ... 
The matter has been attempted to deal with through The State of Michigan Department of Finacial and Insurance just rotting as the servicer " XXXX XXXX '', took the property in XXXX and keeps trying to tell me to contact the " Di-tech '' people. 

The point here is that THIS is exactly why you guys are here to handle. This particular situation involving a large fire claim, by another company, ( XXXX XXXX ), that actions taken against a XXXX " insured '', that the need to overhaul this industry, and people need to go to jail. 

So you can pass the buck and be part of the problem, or reach out .... get someone to meet me, get a case worker, office, subpoenas, DOJ, FBI, ... ..Just Call me Monday and let me .... show you. OR<OR<OR do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/19 I made a XXXX purchase for some clothing using my XXXX Card. I made a purchase for {$79.00}, but only {$71.00} was shipped. The {$7.00} purchased was mailed months later and I paid it in XXXX. However ; the payment did not go through for {$7.00}, like XXXX did this to me last month and I even have the confirmation numbers. I had to make the payment again and today I also made the {$7.00} payment to XXXX because it did not clear my bank ; however, the total payments of my account had already been made for the amount of {$89.00} ; when, the total balance of my order was {$79.00}. I even had to return a pant that sold for {$2.00} plus tax. I am size XXXX XXXX, or XXXX size. But XXXX sent me the pant with a waist measuring XXXX inches! Which would be the size of a person weighing 400 lbs. When I returned it, the horror story began, with XXXX charging me {$9.00} when they had send me a prepaid label for this amount due to their error! I've had XXXX Credit card for a very long time, over 10 years and also have a history of making ALL my payments on time 100 % of the time. This is how CPA Tier II accountants are, righteous! XXXX says I owe now {$130.00} ALL PAST DUE CHARGES AND INTEREST, WHEN I OWE XXXX XXXX AND EVEN HAD REWARDS OF {$41.00}! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX sent my pay off in late 35 days to td auto finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: CO

Complaint narrative:
Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX sent my pay off in late 35 days to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage subservicing was transferred from Seterus to Mr. Cooper as of XX/XX/19. My original interest rate was 4.785 %, however, Mr. Cooper has been charging me 4.875 %. It's such an obvious input entry by Mr. Cooper. However, my payments have gone up. In addition, they are charging me for an inspection fee due to the change of servicing. In addition to late fees since I have only been paying based on my interest rate of 4.785 %. I need your help in solving this. 

They confirmed the fees would be waived, but they still show on my statements as past due. 

They are charging me a higher interest on my loan! 

Please help. I've heard horror stories about Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is scamming customers, as I posted on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX : I write today on behalf of a citizen who is being cheated by Wells Fargo in the name of batching. 

Say I had {$100.00} I pay {$80.00} for an XXXX massage ( immediately deducted ) = {$20.00} I pay {$10.00} for a burger ( immediately deducted ) = {$10.00} I pay {$5.00} for a coke, and some candy ( immediately deducted ) = {$5.00} Now, an ATM will spit out more money than a person has if that option is elected. So, I take out {$200.00} from an ATM. 

= $ XXXX ( immediately deducted ) There is a {$35.00} penalty for going over one 's limit. 

= $ XXXX ( deducted next day ) That's not what the crooks at WF do. What they do is process the ATM charge first even though I already had the massage, ate a burger and bought the coke. Instead of $ XXXX here 's the number ( s ) they calculate. 

{$100.00} - {$200.00} ( over the limit, {$35.00} charge ) = - {$100.00} or {$130.00} next day Since they view my account as negative the other 3 charges will all trigger more charges. There is a '3 charges per day ' max. Instead of - {$230.00} which is what my account should be ... they will tell me that my account is - {$300.00} USD. 

The guy at the bank who helped me today was a trooper, and I have no problem with his approach. 

In the past, women have called me a liar to my face ... and let 's not forget sometimes they will lump in the previous day 's activity even though all the subtractions have been made. This means that I can be charged even more! Maybe people who steal money don't bother you, sir. 

I am calling for real time data conversion. A person should have a number, and when a legal authority removes money do it correctly, one time, right then and there. I understand that airlines often remove money, replace it, then remove it again later. I would ask that Wells Fargo returns money to the accounts of all members of whom they have stolen money. If I walked into Wells Fargo and stole {$70.00} I would be in jail right now, yet they are allowed to do it to me. 

There is one caveat which is that if a person goes negative, they have the right to take their money first. That argument falls flat because they have authorized and paid to others money that was there. If that's the case, they would be stealing from a vendor instead of me ... still, stealing ...

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently tried to gather my credit reports to identify debt and get a handle on my fincnail situation. XXXX and XXXX were both easily acquired. The problem is with Equifax. The XXXX XXXX XXXX   site said the report was not available. So I logged into my Equifax account and tried to obtain a copy from the source, but was still not able to do this. I thought that I may have a freeze or hold on my account, but my profile states there are no issues on either end. So what are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: DC

Complaint narrative:
On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, Transunion and XXXX on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to Transunion disputing the credit inquiry that came from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against XXXX, as well as against XXXX XXXX and Transunion for improperly verifying my identity when the fraudulent report was requested.

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 2019-12-28 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.

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 2019-12-28 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: CORELOGIC INC
State: DC

Complaint narrative:
On XX/XX/19 I noticed that I had an email from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX ) telling me that I was scheduled to see cars at a car dealership in XXXX on XX/XX/19 using an old address of mine. I do not currently live in XXXX, GA nor have I lived there for the last 3 years so I was suspicious that this was fraudulent behavior. I replied to the car dealership immediately informing them that I had not requested any information from them and that no credit inquiries should be processed. On XX/XX/19 I noticed at least one fraudulent credit inquiry on my credit report. I proceeded to place a fraud alert with XXXX, XXXX and XXXX  on XX/XX/19. Later when I was able to access a computer I submitted a formal identity theft report to XXXX disputing the credit inquiry that came from : CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am submitting this as a formal complaint against Credco, as well as against XXXX XXXX and XXXX for improperly verifying my identity when the fraudulent report was requested.

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 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Contacted company about 4 months ago to ask for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of XXXX $ but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After sending several dispute letters to Equifax they will not do an investigation on fraudulent inquiries on my account. I have sent 3 letters and 3 phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 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:
The Address on documentation is a fraudulent address it is not and has not ever been my address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Also the signature on documents is clearly not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have filed two disputes with XXXX in XXXX and XXXX of 2019 because XXXX, XXXX and XXXX of 2019 mortgage payments shows ( No Info ) for ( Specialized Loan Servicing ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by XXXX.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed two disputes with Transunion in XX/XX/XXXX and XX/XX/2019 because XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 mortgage payments shows ( No Info ) for ( XXXX XXXX XXXX ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by Transunion.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.

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 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
The Attorney for my mortgage company ( XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX ) failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfoilio Recovery bought this debt from XXXX XXXX XXXX for {$8000.00}, back in XX/XX/XXXX. Portfolio Recovery charged-off this debt in XX/XX/XXXX. However, they have continued to report this debt as a new debt on mine and my husband 's reports every time we have disputed the incorrect information with the credit reporting agencies. The dates that they have reported this charge-off as a new collection are, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. If they continue with this reassignment of a current date, this account would stay on our reports indefinitely. 

Portfollio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fallen for a scam from someone claiming to work with my job and threatened if I didnt deposit the checks they would report me. I had recently had to resign from the job due to health issues. And they claimed I had a check waiting for me for the amount of money they owed me. I gave them my log in and turns out the checks are fictious. They demanded I have the money sent to them and then sent back to verify the funds were ready and there. They closed my account with Bank Of America and took my remaining money before the holidays. With nothing left. I would like to have the insufficient funds waived off or a payment plan. I can open a new bank account with a different branch and pay off the debt over time. I do not want this to prevent any other issues in the future for me. This was an honest mistake and a claim was filed but I was told I would get my money back right away and the charges would be removed when I realized what happened the same morning.

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