vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: MD

Complaint narrative:
I had received a call about refinancing with Financial Freedom Mortgage , LLC. These people were all quick to get all of my information and even the vice president of sales visited my house for me to sign some paperwork. After that, I had a heck of a time getting in contact with ANYBODY from this company. I was told that I had to call their appraiser to set up a time for the appraisal. That made no sense. The appraisal was done on XX/XX/XXXX and here it is XX/XX/XXXX and I still don't have it! Apparently the underwriters have it but they cant give out information! So I paid {$480.00} for something they will not give to me. I had to stop the loan process due to getting laid off from my job so now NOBODY answers emails or phone calls!! I either need my appraisal or my money back. I complained to FHA and they said there was nothing they could do but they gave me your email address to contact you. Thank you for any help you can give me on this matter. The company 's information as well as mine is listed below. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Financial Freedom Mortgage , LLC New Jersey Corporate ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NJ NMLS # XXXX Tel : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THIS HAS BEEN AN ON GOING ISSUE WITH XXXX XXXX. MY ACCOUNT WAS CHARGED FOR SEVERAL TRANSACTIONS THAT I NEVER AUTHORIZED AND I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER DONE BUSINESS WITH ANY OF THEM.. I WILL LIST ALL DATES AND AMOUNTS ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX I CALLED XXXX XXXX AND THEY ARE ACCUSING ME OF MAKING THESE TRANSACTIONS AND I NEVER DID. I DINT OWN A TIMESHARE AND NEVER DID. PLEASE HELP ME GET MY MONEY BACK PLEASE. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have written to Portfolio Recover on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I paid a settlement amount and received a satisfaction letter, but have not received satisfaction of judgment. They have been promising to send it since XX/XX/2018. I have turned in notice that I am moving to my apartment complex on their word that they will send it. Now, I run the risk of being homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX RE : Bank of America. Complaints ; XXXX and XXXX.

Recd, a call from XXXX XXXX, representing Bank of America. Ph # XXXX XXXX XXXX.

Extension XXXX.

I returned the call. Asked up front, ''-what needs to be done to reconcile these issues today? '' My desire, as mentioned to XXXX. XXXX was to conclude the complaints, satisfying his employer and myself ; a meeting of the minds. FYI : XXXX XXXX stated ultimately, he, he would be the decision maker. Alas! XXXX XXXX had no answers. ( Request a copy of the call. My attitude ; my desire is/was reasonable. XXXX XXXX 's response, well ... ... ... ... ....

I have no idea why XXXX. XXXX phoned me today. I consider his phone call a form of HARASSMENT. That's a reasonable appraisal, for XXXX. XXXX clearly stated multiple times that no decision would be made until Friday, XX/XX/XXXX.

I am being abused by XXXX. XXXX ; by Bank of America, as I was by branch personnel mentioned in my complaints.

Today 's date is XX/XX/XXXX. It's XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion does not have adequate checks and balances in their processes to verify the accuracy of the debt collection information reported by overzealous and unscrupulous creditors. The collection agency ( XXXX XXXX XXXX , XXXX ) does not have the professional staff to handle legitimate disputes but reports the fraudulent debt balance as a collection to TransUnion. As a credit reporting agency, TransUnion should do far more than simply recording the debt collection information and listing the derogatory comment on the credit report without making any meaningful attempt at resolving the dispute with the debt collector by challenging and verifying the validity of the information provided by the debt collector.

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 2018-05-01 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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Equifax and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXXXXXX never late XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX not mine XXXX XXXX {$84000.00} not mine

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 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: DISCOVER BANK
State: WI

Complaint narrative:
I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, XXXX XXXX XXXX XXXX New Jersey attempted to perform a credit check through Experian to allow me to finance the cost of installing a new furnace in my home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX where I've live with my family for XXXX years and have had an account with XX/XX/XXXX that supplies our natural gas and electricity. Experian responded to XXXX XXXX XXXX that there is a freeze on my credit report account and that I need to unfreeze the account for them to release the requested information. Please note that I had my identity stolen in XXXX, XXXX, and following the Federal Trade Commission 's protocol, I had my credit frozen for 7 years. On Experian 's website I filled out the form to unfreeze my account and received a message that stated, " We are unable to process your request as our records show you do not currently have a security freeze on your credit report. '' Consequently, I am unable to get the credit approval to go forward and have the furnace replaced. All I need to do is to temporarily lift the security freeze on my credit report at Experian. Please note that XXXX XXXX XXXX utilizes only Experian for credit checks. So according to Experian, I do and do not have a security freeze on my credit report. Please advise me as how to resolve this issue. Thanks in advance for your assistance.

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 2018-05-01 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: PA

Complaint narrative:
against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DRAGAS MORTGAGE COMPANY
State: VA

Complaint narrative:
The potential buyers provided all information required by CFPB law to apply for a loan with Sellers ( The XXXX XXXX XXXX ) affiliated mortgage company within the mandated three ( 3 ) days of executing the Agreement of Sale. Sellers affiliated mortgage company did not act timely  and acted improperly by delaying Buyers loan application and said mortgage company now is unable to give Buyer a conventional loan. Section 1 of the Sales Agreement states : in the event Buyer is unable to obtain a commitment for the Loan by virtue of a refusal on the part of a lender to approve Buyers application for credit or eligibility reasons, this Agreement shall be null and void, and the Deposit will be refunded to Buyer. 

XXXX XXXX has refused to return the {$2500.00} deposit and the {$1000.00} selections deposit to the potential buyers. 

XXXX XXXX is a large company taking advantage of consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXXXXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXXXXXX XXXX  XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

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 2018-05-01 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 am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX XXXX XXXXXXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

Ally Financial continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

Ally Financial provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.

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 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, an unauthorized transfer of {$2400.00} was made from my Wells Fargo checking account, through XXXX to an unauthorized recipient. I received a text notifying me of a new recipient and a phone number to call if I did not add the person. I called the WF Online Fraud Hotline immediately. While on hold for 52 minutes, I was unable to logon to online banking, my online credentials were changed without authorization and the money was transferred out of my account. I had no way to stop the process and once my call was finally answered, I was told it was too late for the bank to stop the transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
Repeat calls throughout the day on cell phone and home phone. All they did was use another phone after I reported them before.

Company response to consumer: Closed with explanation