vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX all are reporting me to early warning systems and XXXX  I never opened any of these accounts and I am not able to open up a bank account due to these fraudulent accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
I received an Annual Escrow Account Disclosure Statement from AimLoan.com showing an excess balance in my Escrow Account of {$730.00} - {$620.00} = {$110.00} in XXXX XXXX. I contacted them on XXXX XXXX, XXXX asking for a refund of that amount according RESPA rules. They were unable to locate the document that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: AZ

Complaint narrative:
on XX/XX/XXXX I had a conversation with representative I informed to him that I no longer wanted to receive phone calls from them that I will contact XXXX and discuss this further with them only. On XX/XX/XXXX called me again then again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P.
State: AR

Complaint narrative:
COLLECTOR KEEPS CALLING MY CELL 11 TIMES ( XXXX ) XXXX FROM ( XXXX, REF XXXX. HAVE SCREEN SHOTS AND VOICE RECORDINGS.

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 2019-06-03 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:
I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX 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 2019-06-03 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: GA

Complaint narrative:
I am trying to buy a house and Equifax is still showing negative information on my report that does not show accurate information. According to the FCRA 609 rule any reporting agency that reports my credit has to be 100 % accurate. The account numbers are not even being displayed correctly on the accounts and I never gave authorization for any thing to be altered on my report. I've filed a police report and have attempted on numerous occasions to dispute and have these accounts removed via certified letters sent directly to the Equifax bureau. The companies below are not displaying 100 % accurate information, which is in direct violation of the law. Please remove all of these inaccurate accounts from my report immediately as this is hindering me from obtaining any future credit. 


XXXX XXXX  XXXX Open Date XX/XX/2013 Amount {$12000.00} XXXX  XXXX  Open Date XX/XX/2013 Amount {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: NY

Complaint narrative:
On several recent occasions I attempted to contact the bureaus to investigate certain incorrect items on my reports. However the bureaus never completed a full investigation into the status and accuracy of those items in a timely manner.

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 2019-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: IL

Complaint narrative:
Case Number XXXX was closed simply because the company responded. However the company did respond, yet they were false in their promises just as they were in my initial complaint against the company. I received a response from a Ms XXXX XXXX, who stated that if I needed a payment date change to contact XXXX XXXX. On XX/XX/2019 I contacted Mr XXXX to do just that, with no response back, so on XX/XX/XXXX I emailed Ms XXXX in Regards to Mr XXXX not calling me back and Finally he did on XX/XX/2019 stating that he would change my payment date from the XX/XX/XXXX to the XX/XX/2019. To this day of XX/XX/2019 My date has not been changed. I have reached out to Mr XXXX a total of two times Friday XX/XX/XXXX and today XX/XX/XXXX to resolve this matter as well as Ms XXXX who is on vacation until the XX/XX/XXXX. On that conversation with Mr XXXX I informed him that I would not be able to make the XX/XX/XXXX payment until XX/XX/XXXX. He said that would be fine as I am changing the due date to the XXXX of each Month. The company is shamming me, and now I will have another late payment on my report due to their lies!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX AT XXXX 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 2019-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I have student loans from both my XXXX and XXXX  degrees managed by Great Lakes. After completing XXXX school on XX/XX/19 my XXXX loans were automatically put in to forbearance without my permission or consent. I was told this was ostensibly to " align the status '' of my XXXX and XXXX loans. Further review revealed that the forbearance status also cancelled the .25 % interest rate discount I receive for utilizing autopay. I make significant payments above minimum every month despite my loans not being in repayment. This automatic forbearance will in effect increase the potential interest that will be capitalized when my XXXX loans exit their grace period as my payments are applied proportionally to each loan ( I can not allocate manually unless the interest balance is zero at the time of my extra payments ). Greatlakes has offered to cancel the forbearance but has offered my no remedy for the lost efficacy of my payments due to the effective increase in interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
My name is XXXX XXXX XXXX and on the second of XXXX I was driving home and was hit by a drunk driver. I was in the hospital until Saturday the XXXX of XXXX with a concussion, XXXX XXXX XXXX, and other issues. I was late with the mortgage payment but made it on the XXXX of XXXX trying to catch up. Today on XXXX XXXX I called to nicely ask to have the XXXX late fee waived and was told that they could not do this. Also Bayview has changed the amount of the payments they seem to ask what they want since XX/XX/2018 and they just seem to be doing whatever they can get away with. Since I have filed complaints with you before and caught them lying an other issues why has the Federal Government not taken control of this company. We have a contract for a set mortgage payment and bayview keeps breaking the contract and raising the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: GA

Complaint narrative:
On XX/XX/2019 I sent a dispute to a creditor named XXXX about an incorrect, inaccurate reporting on my credit report. I submitted the complaint to the address reporting on my credit report this letter was sent certified return receipt requested so that i can keep a track of when the creditor received my dispute. I continuously monitored the tracking of this dispute, and as of the time of this dispute according to the United States Postal Service tracking service my dispute is still in transit. On XX/XX/2019 I received my dispute letter returned to me as " return to sender, no such number, unable to forward ''. I then sent a dispute letter to Equifax on XX/XX/2019 stating that since the creditor has provided false information to them about me and provided a false address i am requesting this item be removed immediately. I never received a response from the creditor about my dispute ; however I received a copy of my Equifax credit report with result comments of " the following fields have been modified '' still showing the incorrect address and incorrect, inaccurate reporting data. i am not sure how they were able to update my credit report given the creditor is reporting an inaccurate address and they also failed to mark my account as disputed within the given 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is withholding deposits when my balance is low and waiting until charges clear before posting and causing overdrafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Hi, On or about XX/XX/2012, I was assisted by XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX ) and later received a bill for {$680.00} for their service. The phone number I used to inquire about this belongs to their billing administrator, XXXX XXXX, XXXX, and it is ( XXXX ) XXXX I never paid the above bill and it was then turned over -- possibly sold -- to a collection agency by the name Fidelity Creditor Services ( located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX ) I noticed that Fidelity Creditor Services had applied an interest charge to my original debt of {$680.00} ( something not done by XXXX XXXX XXXX ) and it now stands at a whopping {$1100.00} The above figure of {$1100.00} is a total of almost 70 % above my original bill from XXXX XXXX XXXX. 

Can they do this? Medical bills are hard enough to pay without a grotesque amount of interest added on to them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Discussed in XX/XX/XXXX : Earned income was not paid to me, with only receiving SSI, and I fell behind on truck payment. 
I tried to refinance or lower monthly payment, and lender refused.

After offering a voluntary repossession, Well Fargo Dealer Services agreed to let me try to sell vehicle in order to cover or reduce the total debt I would be left with. 

Discussed in XX/XX/XXXX : I had tried to sell truck with signs, car lots, friends and posting on XXXX. Any offers were lower than offered price, and I reduced listed price on XXXX to amount I could cover and still pay off at dealer. 
I called WFDS to come get the vehicle, as I could not sell it, and still was not able to pay for it. 
After still no contact for truck pick-up, I called in and was told again that they were coming to get it. 
My registration tags were due XX/XX/XXXX, and they were informed I was not driving and that the vehicle was still not picked up. 

Escalated communications and failed pick-ups to Office of the Presidents XX/XX/XXXX After several discussions, I learned that they charged off Full Debt against my credit file, with no credit for truck value since they continually failed to pick up my voluntary surrender. 
The " Office of the Presidents '' ( very unprofessional and clueless ) continued to delay and say they were researching, yet after further escalations to manager and senior managers they insisted I owed the full amount due even when I had received no paperwork confirming truck pick up, warning of total debt write off and credit reporting, final demand letter, and nothing else for almost six months. 

During the first week of XX/XX/XXXX, the team leader XXXX XXXX stated nothing further was being resolved, and that I would receive paperwork and the truck would be picked up. 
I still have received nothing in the mail, and no contact for voluntary pick-up. 

XX/XX/XXXX XXXX, Senior team leader to Office of the Presidents,  still never found my certified/signed receipt letter that shows received at her offices XX/XX/XXXX, which I e-mailed to her. 

They have been aware of my dire financial situation, and that the truck payment and insurance was almost half of my SSI. They also knew I was trying to get another vehicle, and wanted a smooth transition so my credit would not be impacted. 
They have deliberately delayed/ misled me, ruined my credit report until I will be XXXX years old, and removed my ability to find new employment which requires a truck. 

I am still paying insurance, and then find out I owe the whole cost, as if it were destroyed anyhow!!

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 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account. 

I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX. 

I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances. 

I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: NY

Complaint narrative:
On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Equifax reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. EQUIFAX LOWERED MY CREDIT SCORE BY XXXX POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Equifax responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Equifax DID NOT add those points by to my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is a collection that was paid on XX/XX/19. This debt was already settled with the creditor and has been removed from XXXX and XXXX credit report. I have the letter from the credit sent in the mail stating account was settled/paid.

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