vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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: NJ

Complaint narrative:
I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: FL

Complaint narrative:
They are calling me on my work phone. I told them not to call here and gave them my cell phone number to contact instead. They stopped for a few days and now they are calling my work again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of the XXXX breech so as a prudent measure I decided to freeze my credit and my wife 's credit with the three reporting agencies. The only one I've had a problem with is Experian. I was somehow enrolled in the program XXXX XXXX XXXX for {$24.00}. They make it extremely difficult to cancel and force the customer to call the agency and remain on hold for long periods of time. They would not refund my money, forcing me to dispute it with XXXX. There is a much simpler way to Freeze rather than lock a credit account that is a different web address than the membership. Having spent 10+ years as an XXXX XXXX, I believe this is deceptive.

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 2018-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute with Equifax in XX/XX/XXXX about collections on my file. My disputes where supposed to be complete in XX/XX/XXXX. I contacted Equifax at the end of XX/XX/XXXX and was told by four different representatives that the companies did not respond so everything would be removed. I called back the next day an was told they responded and were all verified. An, that by law they have forty five days to respond. I know that is not true. I asked how and when because it was well pass thirty days. An, was told the day before they would be removed because of no response. I asked what kind of validation did they send validating the accounts were mine. I was told they use XXXX XXXX to validate accounts. I contacted XXXX XXXX an was told that's not true. I redistribute again they said they were validated. I disputed them again XX/XX/XXXX for the third or fourth time. I called to check on a fax I sent to them an asked about my disputes and was told i have none because they weren't done right. So, they are sitting there closed. So, XX/XX/XXXX I redisputed them again. I keep getting different stories everytime I call. I've been a victim of fraud before so this is unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2018 Wells Fargo Mortgage XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Originator of 1st lien amount of lien {$84000.00} # RE : XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Texas XXXX lien amount {$20000.00} RE : # XXXX   XXXX The following active complaint includes both parties above mentioned and describes current violations of consistent inaccuracy and fabricated inflated amounts as to recent and previous liens attached againts my property are disputed and my documented complaint is found herein : A ) Both liens contain, include inaccurate overcharged amounts in comparison and against the validity or as to the true amounts causing the lien documents to be falsified and deemed invalid because it directly violates The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required Section 477A Penal Code underlines the ingredients and contents of falsification of documents. The scope of this section develop two offences i.e. [ 1 ] falsifying of accounts and [ 2 ] making or abetting the making of false entry, or omitting, or altering, or abetting the omission or alteration of any entry. 

B ) The lien claims filed by Wells Fargo and XXXX are PROBLEMATIC, DEFECTIVE, EXAGGERATED with inflated charged amounts and unverifed fraudulent and hidden cost added with inadequate calculations which directly affects, hinders the validity and soundness of the lien causing a direct violation in reliance and compliance to 8 U.S. Code 1324c - Penalties for document fraud US Code Notes Authorities ( CFR ) ( a ) Activities prohibited It is unlawful for any person or entity knowingly ( 1 ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, Please consider that your liens clearly are without merrit and also violate Federal and legal legislative rules and regulations and are not limited to prevent other Government agencys who can penalize, nullify and disrupt your delegated unacceptable, inappropriate actions. It is a known fact of evidence that all unfair, unjust, unreasonable dealings can be used against you. I would strongly recommend and advise that you release both liens without further prejudice. 

Sincerely : XXXX XXXX XXXX C/O Request for the CFPB to share my documented concerns with The Attorney General the FDIC and all parties who may have direct interest of jurisdiction to invite Justice.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently disputed TWO closed medical accounts that are on my Equifax credit report. I received my credit report now these TWO accounts are now FOUR accounts, the same accounts are reporting on my report twice. These accounts have been disputed and removed from other reporting agencies, how are Equifax results accurate? These accounts were also placed in collections, but Equifax still has them with the original creditor, their investigation is not accurate and the accounts need to be removed from my credit report. These accounts are the account numbers and opened on the same day, and same balance, come on CFPB help consumers with these simple costly mistakes. This clearly is a FCRA violation and can be a costly fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper has been misapplying payments and reversing them and then reapplying them but causing a higher interest charge than when they were initially scheduled to be applied. 

On XX/XX/XXXX I made a payment for {$2000.00}, {$1100.00} for my normal monthly payment and {$900.00} for an additional principal only payment. The payments were both reversed and then reapplied. Then the {$900.00} principal only payment was reversed again and then applied to escrow. 

I then made a {$1500.00} payment on XX/XX/XXXX, {$1100.00} was for my monthly payment with an additional {$400.00} as a principal only payment. The monthly payment was applied XX/XX/XXXX as XXXX to principal, {$520.00} as interest and {$330.00} to escrow. The principal payment of {$400.00} was also applied. Then on the same day both the monthly payment and principal payment were reversed. They were both then reapplied. However, this time the monthly payment was applied with {$260.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

By them removing and reapplying the payment it lowered the amount I was paying down on my principal and increased their interest earning by {$2.00}, which will be even more over the life of my loan due to the higher balance after this payment. 

Then, on XX/XX/XXXX I made a payment of {$1700.00}, {$1100.00} to my monthly payment and {$570.00} to principal only. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. The {$570.00} payment was applied to principal only. Then again, on the same day these payments were applied, XXXX, they were reversed and then reapplied. This time the monthly payment was applied with {$270.00} going to principal, {$520.00} going to interest and {$330.00} going to escrow. 

This time the principal and interest difference was {$2.00}, in addition to the added interest I will be charged over the life of the loan. 

The next time I made a payment was on XX/XX/XXXX, I made a total payment of {$1900.00}, with {$1100.00} for the monthly payment and the remaining {$820.00} going to principal only. This time they applied the entire payment of {$1900.00} to my principal only. I then had to call them and have it corrected. But instead of applying it as I had scheduled it they applied it all to escrow. After contacting them yet another time they reversed the payments from escrow and applied the XXXX payment as {$270.00} to principal, {$520.00} to interest and {$330.00} to escrow. Which I have no doubt caused less to go to principal than it would have if applied correctly the first time. 

I have no doubt that this is an abusive practice to cause those that are attempting to payoff their mortgage early to pay more interest and have their loan open longer than planned to with the added payments and early payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan # XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted Freedom Mortgage beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from Freedom Mortgage dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned Freedom Mortgage again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with XXXX to have this item corrected. The other two bureaus ( XXXX  and XXXX  ) do not show this incorrectly.

On XX/XX/XXXX, I called XXXX  ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by Freedom Mortgage on XX/XX/XXXX a
s claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between XXXX and Freedom Mortgage and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A communication was received by XXXX XXXX XXXX XXXX that is not mine and I do not own this debt. I would like to get the issue resolved before the items is placed on my credit report and damages my credit worthiness. Amount is for XXXX, I have no idea where this debt came from, as I have fraud protection on my accounts which would/ should require the creditor to contact me ( this was never done ). The other amount is for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received an alert from XXXX regarding a collection was added to my credit report. This collection I have no knowledge of and also, I was not contacted by this collection company and I do not have a contract with them regarding anything. I confirmed with US postal service and there is no record of mail or phone call that was sent to me from this company. By law, you have to contact the consumer first and send something in writing, then come to an agreement. And if all else fails, you are required to notify the consumer that this is an attempt to collect a debt. I have not received any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
For 6 months, since XX/XX/2017, I have been trying to recover funds ( ~ $ 20k ) in my Coinbase account because of lost access to a secondary account email address ( I still have access to my main account email ). I originally filed a support ticket in XX/XX/2017 and have followed up with the support call center 8-10 times since then. Coinbase has never followed up with me regarding the issue, and has never even responded to a single email from me ( I have been assured that the email address is monitored by staff ), and I am only ever able to receive feedback when I call the support call center, which I am told that I am in a queue and there is nothing further that the support team can do for me. I am desperate for progress on this issue and Coinbase seems unable or unwilling to help. Please help me in dealing with this company, I do not know what else to do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!

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 2018-04-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, My identity was stolen and I've been trying to fix it by talking to the company and credit bureaus with no assistance. XXXX  is fraud, and so is the XXXX XXXX account. If someone could please help remove these fraudulent item from my account that'd be greatly appreciated. This has brought my life to shambles.

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