vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lost my drivers license and as a result, someone used it to gain medical attention, and car Rental services. So Please Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: MA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

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 2019-09-21 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: MA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: Innovis
State: AZ

Complaint narrative:
The following accounts listed on my Innovis Consumer Report are all fraudulent accounts : XXXX XX/XX/XXXX XX/XX/XXXX # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX MasterCard # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Rewards Visa # :XX/XX/XXXX, XXXX XX/XX/XXXX # : XXXX, XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX# : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX # :XX/XX/XXXX. The above accounts are all fraudulent accounts and not my accounts. I been receiving harassing and threatening telephone calls of profane, vulgar and and abusive language, garnishment of wages, job loss, being sent to jail and prison, violence and death from the above creditors Debt Collection Representatives. This is extremely concerning, disturbing, disgusting and frightening for me to be receiving threatening and harassing telephone calls of profane language, violence and death. I am in fear of my life. The above creditors are in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. Innovis should not have these fraudulent accounts on my credit report. Innovis is in violation of the Fair Credit Reporting Act under Federal and State laws for reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was rudely hung up on by XXXX XXXX and XXXX XXXX at M and T Bank headquarters XXXX XXXX XXXX. They know that my home was wrongfully sold but refuse to follow civil procedure and ignore regulations. An investigation was done by the Sheriff 's office into the fact that this foreclosure was not conducted correctly. People should not be exploited like this. The law should be followed.

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 2019-09-21 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: KY

Complaint narrative:
My Transunion credit score dropped 80 points due to an adverse account from XXXX XXXX XXXX. I didn't have a loan with them but I did have a loan with XXXX XXXX. I bought a new auto from XXXX on XX/XX/2019 and financed the {$11000.00} balance for 60 months. On XX/XX/2019 I called XXXX and asked for the payoff amount. It would be {$11000.00} on XX/XX/2019, so I sent them a check that day which they made effective on XX/XX/2019. As you can see the auto was paid for before the first payment was due. I contacted XXXX about the credit report problem and they said that they would send me a payment history report and so they did. It showed everything that I have stated to be true and it also showed that I had an excess balance of {$9.00}. In the mean time I had a dispute filed with Transunion about this matter and they said that the adverse is still active on my account.The account No, XXXX XXXX XXXX XXXX It also reduced my wife, s score 75 points 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 non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had deposited a XXXX check into my Wells Fargo account and they refused me access with my own money and they are Completely rude they took my money from my account without authorization and they Stated they wanted to speak when Im more able to speak correctly

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 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/ Subject : XXXX  Escrow Analysis Adjustment Request On XX/XX/ I faxed Chase the attached letter requesting my monthly mortgage payment of {$1200.00} be adjusted/reduced as a result of a decreased amount/bill from XXXX  for my yearly homeowners insurance, thus reducing my escrow monthly amount due. 

To date, 50 days later, I have not received a Chase response to my letter nor a favorable action/adjustment to my mortgage monthly payment as requested. 

My yearly homeowners policy with XXXX XXXX is {$1100.00} ( XX/XX/XXXX-XX/XX/XXXX ) and the monthly prorated escrow payment is {$96.00}. The total escrow monthly payment due is {$380.00}, which includes {$290.00} for property taxes. 

On XX/XX/ I made a payment to XXXX for {$500.00} leaving a balance due on the policy in the amount of {$640.00}, which Chase paid on XX/XX/. This amount when prorated in 12 monthly payments equals {$53.00} thus reducing the escrow amount to {$340.00}. Therefore, my monthly mortgage payment should be {$1200.00} ( principal {$380.00}, interest {$470.00}, escrow {$340.00} ). 


XX/XX/ Subject : XXXX Escrow Analysis Adjustment Request On XX/XX/, I received an escrow analysis on my mortgage account ending on XXXX and the statement did not reflect the reduced amount due from Chase on my Homeowners Insurance ( see below ). I want to lower my monthly Chase Mortgage payment and Chase recommended I make a direct down payment to XXXX   on my Homeowners Insurance policy thus reducing the total balance amount due on the yearly policy and on my pro-rated monthly escrow payments for XXXX-XXXX, ( See below ). 

Escrow overview We've put together a list of all the expenses that make up your escrow payments. 
Your escrow analysis happens every year around the same time. We may run your escrow analysis sooner if : *You have a new loan or a recently refinanced loan that's less than a year old. 
*We 've been notified of changes to your property tax or insurance policies. 
*You requested a new analysis Escrow analysis {$0.00} Your escrow account is balanced Monthly mortgage. Your new payment becomes effective on XX/XX/XXXX. 
Description Current New Principal & Interest {$860.00} {$860.00} Property taxes {$290.00} {$0.00} Homeowner 's insurance {$96.00} {$0.00} Mortgage insurance {$0.00} {$0.00} Total taxes & insurance {$380.00} {$0.00} Escrow shortage or surplus {$0.00} {$0.00} TOTAL ESCROW PAYMENT {$380.00} {$0.00} TOTAL MONTHLY PAYMENT {$1200.00} {$0.00} Breakdown Request Policy Number XXXX Account Number XXXX Start Date End Date XX/XX/ - XXXX Request Date XX/XX/ Date Activity Description Increase/ Debit XX/XX/ A Payment of {$640.00} was received on XXXX at XXXX. 
XX/XX/ A Payment of {$500.00} was received on XXXX at XXXX XXXX. 
XX/XX/ Renewal transaction was processed. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We got behind on our mortgage, due to refinancing and taking equity out as we was part of the housing crash back in XX/XX/XXXX-XX/XX/XXXX. as we proceeded to get some help. Select Portfolio came along and told us they can help with saving our home and that they work for the government.We asked them how much it was going to cost us, they said nothing they can lower our cost. We went through the NCNA program to obtain this lender. As we begin to try and pay down our mortgage we notice that, their was another mortgage attach on our current but when we look at the current mortgage it does not show t second mortgage which is a balloon payment. They have pretty much placed us in a worst situation than we were. They did not forgive they loan at all when we started over. I do not think that is how the government would have handled it if they so-called work with the government. We have try all resources that we know of to get out of the situation. Don't know what else to do.These companies hid behind third parties and we do not know who own the loan considering we make payment to Select Portfolio and we find out we are STILL with XXXX XXXX XXXX who gave us out first refinance and they mess us over w are still shock we're with XXXX XXXX XXXX again. Then we come to find out XXXX XXXX own XXXX XXXX and we were not trying to get involve with neither one of these financial institute. It's just wrong and such a mess before our mess. Now that we get more into the contract. It looks like when we refinanced to take equity out with XXXX XXXX and we got behind in out mortgage. XXXX XXXX cam at use again but hiding behind the name of Select Portfolio Servicing. We were thinking we had done stop doing business with XXXX XXXX but we are still with them. We did not know what Select Portfolio is, so we though we was no longer with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Sometime in XX/XX/XXXX I call Helvey and Associates for my XXXX XXXX  account that I paid in full. I was told that it would be deleted and its still on my report even though it says that it's closed that was not what I were expecting I want them to do what I was promise I never receive my deletion letter as well, please make them keep their word I was also told by the lady can not remember her name that some kind of law pass like 2 or 3yrs ago that any bill that is paid in full will automatically be deleted because of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. 

I spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. 

When I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. 

I spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: GA

Complaint narrative:
In a complaint dated XX/XX/XXXX to the CFPB regarding XXXX account # XXXX the original creditor ( XXXX ) has acknowledged in writing that the last payment on this account was XXXX XXXX for XXXX forwarding this letter to Experian in XXXX dated XX/XX/XXXX # XXXX, and on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX, Experian continues to parrot their XXXX system and not properly investigate the issue of two additional payments appearing on this accounts payment history for the months of XX/XX/XXXX and XXXX XXXX are willfully and neglectfully reporting information that does not exist, see original crediter letter and credit reports from XXXX XXXX and XXXX XXXX 
The FCRA says I am entitled to an accurate and error free credit report, but Experian seems to think they can report what they want. 
I demand that Experian be sanctioned for willfully violating the FCRA with undue malice as this erroneous reporting has caused me financial harm.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
For the second time Wells Fargo today, XX/XX/19, placed a hold on a local check that I get from the same person, same account, same amount, each month, since I have been with WF, about 2 years.This same monthly check from the same bank account for exactly same amount has NEVER returned. I have had checking overdrafts unfortunately but have overdraft protection. Last hold was three months ago.WF held deposit -same checking account as today & same amount & same source- from local bank for TEN days. Main complaint : WF doesnt warn you of the hold until after you have endorsed the mobile check as being payable to WF only.THEN comes the warning about the 10 day hold., TOO LATE! CHECK ALREADY ENDORSED! I cant back out so no warning at all. Never have deposited a bad check. Check from local bank, less than {$800.00}, always clears, no issues from past depositing.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Southern Finance verbally denied me of a loan simply because I work for a payday loan company. Is this legal or a form of discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler Felt and Warshaw LLP, located at XXXX XXXX XXXX in XXXX, NJ contacted me via mail on or about XX/XX/XXXX about an alleged debt of {$570.00} and said I was being sued. They asked me for an answer. I did not recognize this debt, so that was my answer, at which time I requested supporting documents to identify the debt, which they failed to send. I also informed them that I was the victim of identity theft and online stalking, which I reported to an FBI agent, to which he will attest. In response to my answer, all I was sent was a court date and asked for proof of who stole my identity. This is deceptive, as I dont know who stole my identity. If I knew, Id be suing them, but they did it through internet phishing and doxing. Pressler Felt and Warshaw is pretending they dont understand this and insist that I report the person who stole my identity. Since they dont seem to understand this and XXXX County gave us a court date on XX/XX/XXXX, I figured I would explain this at the time and provide them with the contact information of the FBI agent Im working with to resolve it. All of a sudden, today I received a letter from Pressler Felt and Warshaw stating that Im not entitled to a trial and that they dont feel I deserve an opportunity to present my case to a judge. Isnt that my right as an XXXX? Furthermore, they had 30 days from the day of my answer to provide me with supporting documents and they finally sent me some ... today. Its been long over 45 days and still, theres no proof of anything. No signatures from me. They just dont want to go to court because they know they are lying and their sheet of facts leaves out much of the above. Now theyre saying I have 10 days to provide another answer or theyll ask for a default judgement. Why cant they just wait until the original court date of XX/XX/XXXX? What are they trying to hide? They know this gives me no time to get a lawyer who will likely win in court. This is all illegal and unfair. I have come to find out there are hundreds of complaints and a class action suit against this Pressler Felt and Warshaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/2019, my car door window was smashed and my purse with my, and my husbands credit cards were stolen. The person who stole the cards immediately went to a XXXX XXXX 12 minutes away and made multiple purchases. We have called Barclays multiple times asking them to remove the charges in the amounts of : {$410.00}, {$610.00}, and {$420.00} ( Total charges at XXXX XXXX within minutes = {$1400.00} ). 

Barclays refuses to remove these charges from our account, saying they are valid, even though we have surfaced a police report. Regardless, Barclays says we need to pay this and the interest on this amount.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation