vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
XXXX XXXX  Experian and XXXX are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.

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 2019-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Comerica
State: CA

Complaint narrative:
Recently I paid off Comerica Bank line of credit. I have been requesting the lender to provide me complete itemized payoff calculation because I find I overpaid but lender is not responding at all. I have sent a written letter to comerica ; reached out to their quality assurance team over multiple phone calls still no luck. I have attached a pdf file that describes all gory details related to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

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 2019-08-22 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

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 2019-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I received numerous notices and calls from PennyMac to refinance our home which is currently financed through them. After I initiated a call to XXXX and spoke to XXXX XXXX who portrayed inaccurate information and extremely high loan costs to me while trying to portray how great of a deal this was. He almost had me convinced until I asked some questions and carefully reviewed the loan estimate documents and realized between the numbers he quoted me on the phone and included in e-mail were inaccurate and did not correlate to the loan estimate document. XXXX XXXX even portrayed or stated he was a vet which had me more convinced this was above board. Although Im not certain whether he was honest about his military service, based on my revealing and confirmed with my son and another mortgage entity that the loan costs were hugely inflated, the immoral behavior is simply inexcusable and as a consumer, I request action. I saved the emails and printed copies of the documentation he sent me. After I contacted my son who was in the mortgage business, I realized XXXX XXXX was overcharging us by anywhere between $ 8k and $ 10k in loan costs which I believe PennyMac and XXXX XXXX are returning those additional funds to the bank, lenders or loan officers pocket. I have notified XXXX XXXX to cancel our loan request but am concerned as to the security of my PII information and the unethical practices of PennyMac and its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Viewed credit file with Experian in reference to the XXXX XXXX XXXX card account showing charged off in the amount of {$4100.00}.

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 2019-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
First, Heartland ESCI has no means of accepting deferment materials electronically ( no fax, no online submission ). This is unacceptable. Waiting 10-15 business days for Heartland ESCI to process a deferment application that has been sent by USPS is simply bad service. 

Second, I have sent several deferment forms to Heartland ESCI, each time getting a rejection notice via e-mail, an e-mail that gives no guidance as to what documents are missing. I'm dealing with a man behind a curtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
I talked to billing number on statementI received. I have XXXX XXXX XXXX and could die anytime. This is medical bill. I offered to pay {$15.00} every month to keep it from going into collections, and if I had more on certain months I would send it. They said that was not enough for them. They would ruin my credit. Which they did. I. have perfect credit they have now ruined. If they do not remove this I will contact the Ohio State attorney generals office. Thanks for your help.

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 2019-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Equifax received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My Loan Number is XXXX. I got behind in my mortgage payment back in XXXX but have really been trying to catch up the four payments that I had missed. My last payment was on XX/XX/XXXX which just brought my past due for XXXX. I was told and directed to put in for mortgage assistance. but because I had put in for this. SPS Servicing would not accept any payments for any reason. which I had 2 payments that would have brought me within 2months of being past due. Now since this has happen I haven't made any payment Now I'm 5 months behind and my loan has been referred to an attorney. I have been in my home for 22 years and don't want to lose it. On XX/XX/XXXX I had XXXX  XXXX and explain to the company I was Out of work but would be getting short term XXXX from My insurance company at work and would make as many payments as I could to catch the loan back up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Viewed credit file with Experian in reference to XXXX XXXX XXXX card showing as charged off in the amount of {$3400.00}.

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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ Data International phone # XXXX X XXXX XXXX XXXX has called me at the general number for my work at least 4 times today ( XX/XX/2019 ). The first occasion was at XXXX this morning. I explained I was at work and she insisted she had to talk to me right then. I spent over 20 minutes on the phone with her and XXXX XXXX? trying to establish payment options ( which they refused and wanted a full payment up front ). XXXX XXXX was argumentative and very mean when I explained I was at work and she can not take my employers time to discuss personal matters with me. I tried to call back during my lunch break to verify I was attempting to see if I could find some alternative means to prevent the debt from hurting my credit score. They are closed during my lunch break. Then she called twice to my work # after I had already explained it was inappropriate and she raised her voice to me. I can not be harassed in my place of work. I did tell her I was reporting her. She also accused me of being evasive by not answering my cell phone while at work. I am on company time and can only make phone calls during my breaks. It would be inappropriate for her to continue to call a general office #. I would rather her send the debt to collection than jeopardize my employment. She also yelled that she has every right to call me at my employer and lied and said there were no consumer protections and no legal means to get her to stop.

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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency ( XXXX XXXX XXXX ), the firm representing XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired ( XXXX ). To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score as a derogatory mark. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) firm has been negligent to communicate, and I received a bill from XXXX XXXX XXXX XXXX regarding a past due balance on XX/XX/2019. I immediately contacted customer care and was assured it was a billing error and to disregard and it will take one billing cycle to balance to XXXX. Weeks followed and I began receiving harassing phone calls from individuals whom I could barely understand. I finally figured out it was a collection agency and asked to not be called again ; any further communication should be in writing to the address for the alleged balance. On XX/XX/2019, I obtained the services of a consumer protection advocacy firm to represent my interests against the erroneous bill from XXXX XXXX XXXX. On XX/XX/2019, without a response from XXXX XXXX XXXX, I moved froward with arbitration. 

Since that date, I have contacted the collection agency, the firm XXXX XXXX XXXX XXXX ( XXXX XXXX, GA ), as well as the agency I hired. To date, I have been turned over to FOUR collection agencies and now, XX/XX/2019, discover that my {$73.00} alleged debt has been placed on my credit report, causing a significant drop in score. 

I have been very proactive in resolving this, however, XXXX XXXX, the paralegal assigned by XXXX XXXX XXXX 's ( XXXX-XXXX ) has been negligent in her duties to communicate, and currently no longer with the firm. Enough is enough.no longer with the firm. Enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a promotion XXXX bucks when I opened a business checking account at XXXX. I asked their representative XXXX in XXXX US Bank branch what do I need to qualify. She said just deposit XXXX in checking account. So I did it. I called customer service after 2 weeks later to ask for my XXXX bonus. They checked said I am not enrolled it the bonus because I didnt open their saying account. What? I double check with branch representative. She said everything is ok she already put code into my account. Then I went back the branch to talk with branch manager XXXX. They just reliazed they forget to help me to open the saving account. They said sorry to me they made this mistake.But she can not honor this offer to me. It is very unfair to me. They are the promotion creator. They should know the detail more than me. And if I didnt go back the branch. They still dont know either. And their attitude is not good. Why I should lost the bonus because of their mistake?

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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I have a consumer checking account with Wells Fargo Bank. I supposedly have preferred customer status with this bank. 

On or about XX/XX/2019, Wells Fargo ERRANTLY initiated an online ACH debit ( withdrawal ) from my XXXX XXXX XXXX XXXX account in the amount of {$10000.00}, and that money was credited to my Wells Fargo. 

Then on or about XX/XX/2019, Wells Fargo then reversed this transaction and attempted to send the {$10000.00} back to XXXX XXXX XXXX XXXX. However, the money was NEVER received by XXXX XXXX. But, my Wells Fargo was debited the {$10000.00} and that withdrawal put me into a severe deficit. This forced me to borrow funds to cover the debit which Wells Fargo had created. I had expected Wells Fargo to recognize the error and correct the matter, but they failed to do so. 

As a result, I have contacted Wells Fargo by telephone on multiple occasions ( 4 times ), filed two ( 2 ) formal claims, and visited their branch offices to attempt to trace and recover my missing money. My money has been missing now for over 60 days, and Wells Fargo has failed to identify or resolve the problem, failed to properly communicate with me any investigative results, and have NOT provisionally or permanently credit back my {$10000.00}. I have now filed two ( 2 ) separate formal claims with Wells Fargo, and my claims are being ignored without resolution. 

My direct losses in this matter now include : a ) {$10000.00} in missing funds ; b ) interest payments for borrowed money to cover the short fall ( estimated at {$150.00} ), at least 6 hours of my working time ( 6 hours x {$200.00} ) ; and NSF fees from XXXX XXXX of {$25.00}. 

I have patiently waited for more than 45 days for Wells Fargo to resolve this problem, and they have utterly failed on every count. 

I am left no other choice but to file a claim with the CFPB, and I will subsequently sue Wells Fargo for recovery of my funds, lost time, interest and bank fees.

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 2019-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I send letters out to Equifax after my fraud alert. After I seen inquiries in my report that was authorized by me. This was on XX/XX/2019. I didnt hear from them after 30 days. I check online to see the status it said completed but the pdf version was not there to view. I called the to see whats going on and they said online was having problem. If that was true why I havent been send a letter in the mail then. I send my letter with a copy of my drivers license and social security number. The person on the phone said they need more proof of identity. They are not trying to do their job. I specifically send the my letter with copy of my identity, how you open the letter and say you didnt receive the copies of my identity when they were together. This is out rages that I got to keep contact then them for her to follow up on investigation that was done past 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion refuses to correct payment history ( s ) for accounts included in Bankruptcy and XXXX. These accounts are still showing a negative payment history when they should not. 
Transunion refuses to correct the payment history ( s ) for all XXXX accounts ~ payment was NOT MISSED XX/XX/2019.

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 2019-08-22 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: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, TransUnion received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation