vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 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: FL

Complaint narrative:
I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Cease and Desist Please be advised that per American Jurisprudence, 73 Amer Jur 2d, Sect 90-93, your company can not subrograte on any legal and binding contract that you were not originally on, did not have any interest to protect and then claim successor in rights and interests. 

Please send any and all validating information as to this debt, any form of id, signatures that I have signed with National Credit Systems , Inc in regards to XXXX. 

When XXXX sold the debt they gave up their rights to collect on said debt, but they did not and can not give away those same rights to ANY collection agencies.

National Credit Systems , Inc, can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX Loancare took over my mortgage. They've raised my mortgage payment in XX/XX/XXXX without notice to where I couldn't pay it because of a county assessor 's mistake. When the mistake was fixed Loancare received a refund on property taxes paid but did not reduce my monthly payments. Then I found out that I am due a refund from my escrow account. Since XX/XX/XXXX I have been trying to get that refund sent to me and I keep getting the run around. I've complies with every request they've asked. And also had my bankruptcy lawyer send them letters stating the refund goes to me -not the bankruptcy court. I've been on the phone with Loancare almost every day since XX/XX/XXXX trying to get my money. I'm so tired of fighting with them to get the money that is owed to me. I'll bet if I didn't make my mortgage payment on time they'd be jumping all over me in a timely manner. Why can't I get the money that owed to me? I'm a senior citizen and this money is greatly needed!

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 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.

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 2018-02-05 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 — Was not notified of investigation status or results
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.

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 2018-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I applied for a mortgage with XXXX of Cross Country Mortgage of XXXX XXXX, FL back in XX/XX/XXXX. My credit is not perfect, I have a bankruptcy which included a foreclosure, but I was pass the 4 years required by XXXX XXXX. I sold my house, started the process of buying a house, I had to rent a place to stay on a week to week basis during the process. XXXX explained how the entire process would work from beginning to end, although none of it was true. Once I had sold my house and essentially had no where to live the simple process became difficult. I started the process XX/XX/XXXX, and was told around XX/XX/XXXX or XX/XX/XXXX that the foreclosure wasn't included in the bankruptcy. I had no where to live and already under contract to purchase a new home. XXXX kept telling I had multiple options and he was looking for the best. We had to keep pushing the closing date with the sellers, I was afraid I was going to lose the home and my deposit of {$10000.00}. XXXX told me the correct paperwork wasn't done for my bankruptcy and all I could get was a 5 year ARM, he told me I would only have to pay interest and he would refi free for me XX/XX/XXXX when the time frame had been met. I paid his company thousands to close and the company the gave my loan to ( XXXX XXXX ) made me pay creditors off they thought was best. The mortgage payment was more than I expected. Then XX/XX/XXXX I spoke to a couple mortgage companies and finally settled on one who refinanced me into a conventional loan, one that up until about a week or two ago XXXX still said I couldn't get. 
I really feel that because I was in a bind, desperate XXXX took advantage of the situation. Not only did the loan cost but I had to pay for some place to stay longer than I planned. I would like to make sure this doesn't happen to anybody else!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: NC

Complaint narrative:
We recently sent a letter to Equifax and XXXX XXXX, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, my wife and I were involved in a car accident. Due to injuries we both suffered my wifes doctor did not allow her to return when her long term XXXX ran out, she lost her employment. She did however find a job in XX/XX/XXXX. Due to the initial job loss we fell behind on payments and applied for a loan modification. We were approved for the loan modification on or around XX/XX/XXXX my wife had significant XXXX XXXX and was unable to drive the 30 minutes to work, we tried XXXX XXXX, XXXX XXXX and XXXX XXXX. 
Nothing worked to help her with the pain and the doctor recommended XXXX XXXX in XX/XX/XXXX so again, she lost her employment as a result of injuries from the car accident. She was working through a temporary agency so they would not hold her job for her. In XX/XX/XXXX, I was told I had an XXXX in my XXXX due to my XXXX XXXX XXXX in the car accident, pieces of my partial XXXX XXXX broke off. In order to save my leg I had to have my XXXX XXXX, I was on XXXX XXXX for six weeks and then a total XXXX XXXX was done on XX/XX/XXXX. I work construction so I can not return to work for 3-4 months after my final XXXX. All in all I will be off from XX/XX/XXXX- MXX/XX/XXXX. As the primary income earner this is a hardship for my family. I have tried working with my lender and they said they have no programs that can help me since I have had a loan modification. XXXX XXXX said I will be eligible in two years. Meanwhile, we get hundreds of calls a week from Wells Fargo they send us letters saying they would like to sit down in person and go over the option but when I asked for someone to come here they said they dont actually do that. I should be eligible for some type of hardship since due to no fault of our own neither my wife or myself are able to work. Also when Wells Fargo did the loan modification they only lowered the payment by {$100.00} or so, this really wasnt enough to compensate for losing {$70000.00} In income. I feel it is unfair to charge someone such a high mortgage payment when they come to you for help. They are also making us pay mortgage insurance which is {$200.00} a month and out loan is paid down enough where that should no longer be an issue. They have delivered foreclosure payments to our child when he answered the door and have made me want to change my phone number because they call from early in the morning until XXXX XXXX XXXX at night. Its hard enough to lose your job due to injury but to wake up every morning to collection calls is horrible- they dont even stop calling us on the weekends.

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 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.

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 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for 2 simply cash credit card from XXXX XXXX XXXX XX/XX/XXXX, based on their online offer ( pic attached ) to earn up to {$200.00} if spend {$5000.00} in the first 6 month and {$200.00} more if we spend {$10000.00}. 
One card i spent {$11000.00} till today The second card {$10000.00} till today I am now entitled for my cash back reward in both cards. when i called last week XX/XX/XXXX to follow up on my cash back they told me u r not entitled for any since u had old account and u are not new customer. 
this offer is never advertised for ONLY new customers. not a single line in the details says for ONLY new customers. 


the XXXX card numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.

Company response to consumer: Closed with explanation