vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: CO

Complaint narrative:
Actually my issue is not listed on your drop-down boxes. For the pas t four p lus years I have frequently used credit monitoring services, including Equifax direct credit monitoring. I was very  ill  XX/XX/XXXX to  XX/XX/XXXX .   Do to medical bills and lost wages, I had major credit issues. I worked hard with my creditors to resolve my issues. I have also used several credit repair services to help me correct true mistakes. This cost me hundreds of dollars, I also had to contact attorney over  two o f my creditors. Recently when I tried to pull my credit from Equifax which is part of my Equifax monitoring service my file was extremely off and confusing. It had information that was not correct and none of my credit cards, lines of credit, Car loans, or current addresses were on the file. I was completely baffled and I call In multiple times. I was told by a gentleman and I use the term loosely, that I had inconveniences on my credit report. I asked him did he mean inconsistencies I was confused. I spent hours on the phone only to find out if there was a second file attached to me somehow. I 've called into Equifax multiple times trying to get them to close this extra file or at least distance it from my correct file. They stated that they were going to merge my file and I said absolutely not I did not know about the things that are on this file and many things are wrong. Currently I ca n't pull my credit file at all even though I 'm paying {$17.00} a month to be able to pull my credit report daily. They said they would eventually mail me something. This is unacceptable I 'm trying to purchase a condo in the next couple of months, I am currently living with family members in a supposed to be short term arrangement. I 'm sorry that they made a mistake, and I 'm sorry that they have some sort of data integrity issue. However none of that is my problem! I 've consistently given  Correct information when applying for loans, credit cards, lines of credit and for any credit! I have had my current mailing address for more than three years. The lack of assistance and accountability from Equifax is infuriating. Although I 've been able to pull my correct file for more than two years,  and I pay them with a credit card that is in my name only, they now want me to prove who I am? Are you freaking kidding me, they make a mistake and somehow it is my responsibility to fix it! This needs to be resolved immediately. I do thank you for your assistance I know you have a tough job, and I know there are many people that are frustrated ... .so I thank you in advance for any assistance are able to give me. I just feel so lost right now.  <P/> **I do have a long list of names of the people I spoke with.. from  XXXX  to  XXXX  and no  one he lped fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: LendUp Loans LLC
State: OH

Complaint narrative:
I contacted Lendup  Card Services to close my account and was told I was not allowed to close my account.

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 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been working with Barclay Bank Delaware, XXXX XXXX and XXXX on a credit card account that was initially all issued by XXXX XXXX. XXXX XXXX sold off the credit card account to Barclay Bank Delaware. XXXX is in the mix only because XXXX XXXX transferred student loan to XXXX and the rewards program for the credit card directly credit the student loans. <P/>XXXX XXXX sold off the credit card account to Barclay Bank some years ago and the rewards program stayed mostly the same. Rewards were able to be credited to a specific student loan not to the whole overall account with several loans. Also rewards could were earned at roughly the same rates. In XXXXX 2017  Barclay and XXXX XXXX shut down the rewards program and forced me into a rewards program that has less than half the capability of rewards and removes the ability to credit rewards to a specific loan. I demanded to see the original contract I signed with XXXX XXXX and Barclay can not produce it. HOW DO YOU RUN A CREDIT CARD ACCOUNT WITHOUT HAVING THE ORIGINAL CONTRACT? <P/>What it comes down to is that Barclay will not honor the original contract with XXXX XXXX, Barclay will not honor their assurances that a customer can credit rewards to a specific student loan, and Barclay will not honor their assurances that a customer can apply rewards to the principle of a loan. This is a thoroughly disreputable organization and I will take my complaints every direction I can.

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 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. My mother is in the beginning stages of XXXX and is XXXX XXXX. I get financial help by State of CA, IHSS. Because she has recently lost the ability to eat or drink, I now have to XXXX to XXXX her thru a " XXXX XXXX '' that goes directly to her XXXX since XXXX XXXX XXXX. This is much more time consuming as well as expensive and the state employees informed they would increase my hours. However, this took many months and so they paid me retroactively for the previous time. The money was split into four different checks ; each about {$950.00}. In an effort to expedite payment to me, the state rep told me they would pay my mother XXXX XXXX directly for the retroactive amount, then continue to pay me directly with increased hours, even though this money is actually legally money I earned from the State of CA, IHSS.
<P/>
2. I deposited these checks into my Chase Bank account on Friday, XX/XX/XXXX expecting the checks to clear on Tuesday, XX/XX/XXXX. However, because the checks were in her name, Chase did not release the funds.
<P/>
3. I went to my local Chase Bank branch on Tuesday, XX/XX/XXXXand explained the above to the branch manager XXXX XXXX. He called the appropriate Chase reps and explained the above.
<P/>
4. The reps told XXXX that if I bring my mother in with two forms of ID, they would release the funds.
<P/>
5. I then went to pick up my mother, XXXX XXXX and came back to the bank with her, in a XXXX XXXX, and the appropriate ID ; a CA state issued Drivers License and SS card as well as credit cards in her name.
<P/>
6. The rep, XXXX, then informed the reps telephonically that he had verified her ID. He then informed her what was happening and asked her permission. She shook her head yes. The reps then indicated they would release the funds.
<P/>
7. On Wednesday,XX/XX/XXXX, after the funds were legally released into my account, Chase Bank branch manager XXXX XXXX took it upon himself to transfer the remaining balance from my account back to my mother 's account with no permission from myself or my spouse XXXX XXXX, who shares my account. My mother 's account was overdrawn by approximately {$260.00}. By transferring the money without my permission, I paid the overdraft fees which we were planning to pay later with different funds.
<P/>
8. Chase Bank branch manager XXXX XXXX had no legal right to transfer any funds from our personal accounts. If Chase Bank does not do anything about this, I will seek legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.

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 2017-06-08 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: MS

Complaint narrative:
I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.

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 2017-06-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 2017-06-08 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: MS

Complaint narrative:
I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: Oakridge Direct Solutions Inc.
State: TX

Complaint narrative:
I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: NY

Complaint narrative:
Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.  Below are a few questions, which may help you to resolve these mistakes.   <P/> You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.  <P/> In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE  XXXX / XXXX /  XXXX  . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A  XXXX   XXXX  LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY  XXXX / XXXX /  XXXX   AND WAS INFORMED THAT AS OF  XXXX / XXXX /  XXXX   A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF  XXXX / XXXX /  XXXX   WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE  XXXX / XXXX /  XXXX  . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE  XXXX  AND  XXXX  DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them.
I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope.
I look at my credit report, they are reporting I owe them.
I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything.
And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.

Company response to consumer: Closed with explanation