vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.

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 2018-06-12 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: FL

Complaint narrative:
I settled 6 separate accounts with XXXX XXXX. They did not remove the balance of these items nor did they update them to " settled in full ''. I disputed this with the three bureaus and all three have left the balances on the file. Since CFPB refers complaints about the way that companies report to the bureaus back to " credit bureau complaints '', I am filing it the way you asked. 

The account numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: IL

Complaint narrative:
Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Initial Mortgage processor = XXXX XXXX XXXX ( XXXX ) New processor = Mr. Cooper The nature of my complaint is related to the regulations around the selling and transfers of mortgage loans between processors and the affects this has on the consumer. Aside from only a two weeks notice before my mortgage payment was due ( letter received on XX/XX/XXXX and payment due on XX/XX/XXXX ) and the inability for either company to help me because it was " in the process of being transferred ( which took three weeks ) I was in a position where I had no choice in who I do business with based on the services they provide and how that fits in with my households ability to pay the mortgage. 

Budgets and cashflow revolve around the mortgage payment. After trying to work with Mr. Cooper to setup the same bi-weekly payment structure I had with XXXX I was informed Mr. Cooper doesn't offer that option and that I would have to go through a third party they contracted with ( XXXX XXXX  ). After working with XXXX I was told it will cost {$300.00} to setup and {$5.00} a month. This for a payments structure I did not have to pay for with XXXX. 

As a consumer who has the ability to choose who they want to do business with for every aspect of their lives, We lose that ability during a loan sell-off between processors and are at the mercy of whether the new processor offers the services that work with the consumers budget and cash flow for their household. 
The consumer is only left with the option of refinancing which comes at an even greater cost. Consumerism is lost during this type of transaction and can have negative affects due to the lack of choice that existed when one first obtained the mortgage. 

My goal is for this type of concern to be filed with the CFPB as documentation in case other issues with loan sell-offs happen to be increasing exposure related to the impact on consumers when loans are transferred which results in some type of additional regulation. For example, I would like to have a choice whether I want to work with the new company my current processor wants to sell to. If I was informed that XXXX is looking at selling my mortgage to Mr. Cooper I could investigate whether Mr. Cooper is the business I want to work with. Then I would be given a certain grace period to accept or decline. I had that chance when I obtained the loan as I do in every other product and service I use as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Penn Credit Corporation
State: KY

Complaint narrative:
A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. 

I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo Bank on XX/XX/XXXX when I noticed unauthorized activity on my account dating all the way back to XX/XX/XXXX. I filed 2 different claims bc of the length of time the fraud began. The claims numbers are XXXX and XXXX. I was told due to Reg E that the claim ending in XXXX would take up to 90 days to get processed. I was then told the claim ending in XXXX would be processed differently as the charges occurred within 60 days and a provisional credit would be issued. The provisional credit was not issued within the 48 hours that they said it would be. I spoke to several different reps on Friday, Monday and Tuesday trying to get this resolved. I keep getting the run around. They are now saying the cases are being merged together. That provisional credit will not be issued. This is causing a financial hardship for me and my family. I have XXXX small children who have 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 monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am trying to refinance a auto loan and I am being told by lender that I have delinquencies that will not allow me to refinance. I am having trouble finding what they are as my reports states I have no issues with collections. Please advise. 
Thank you XXXX XXXX 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 explanation
Consumer complaint received 2018-06-12 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: SC

Complaint narrative:
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Incessant calls and rude operators trying to sound like official entities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Several times American Express offered me 0 % interest. I finally took them up on that. When it was over, Hurricane Irma had just hit and I have 2 properties in Florida. When I called about something else, they informed me I would now get 0 % " until further notice '' on TWO different calls that was confirmed! Suddenly, in XX/XX/XXXX, I began accruing interest and finance charges to the tune of now almost {$3500.00}! I have always paid off my balance every month and refuse to carry a balance or accrue interest. I consider myself extremely detail oriented and I would like someone to listen to the audio calls where these agents told me these things. They have credited back a portion of the fees but a remaining {$2000.00} is still disputed. Every time I call I am told something different than the last agent. It seems their agents are not trained properly and are misinforming clients. All I want is for the finance charges and interest that they promised to credit back, be completed. From there I will go back to paying my balance in full every month as I have for 17 years. I was not in need of the 0 % but it sure did help since my rental property in XXXX XXXX went 4 months with no rentals due to the hurricane. If I had thought I was going to have interest charged I NEVER would have carried a balance, or if I was told a DEADLINE I would have paid it off before that. I just now discovered in going through past statements to report this, that they have another {$100.00} accrued over the months during which i had 0 % interest! I had paid it off until XX/XX/XXXX. My 0 % interest was from XX/XX/XXXX-XX/XX/XXXX. How, if my balance was paid IN FULL through XX/XX/XXXX, can you start charging for a small portion of the balance during 0 % interest time?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is trying to collect on debts I do not owe. My identity was stolen years ago, and I have also filed a police report. Report # XXXX. I have never signed with these creditors. The bureaus keep verifying these accounts, and I have demanded proof of verification on all XXXX accounts.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I went online to Transunion.com/XXXX and was not able to obtain my free credit report. I was referred to XXXX and was able to obtain a free credit report using the telephone options however was not able to obtain copy of my credit score for FREE. I have to pay@XXXX. The telephone number does not provide you with an option to speak to a live agent. 

on XXXX I was declined a credit card with XXXX XXXX ( application with XXXX XXXX XXXX ) because my FICO score is not available with Transunion. 
Why do I have to pay for my credit score? I cant even get it from my creditors that offer it for free XXXX and XXXX XXXX XXXX because they obtain it from Transunion and I do not have a FICO score available at Transunion let alone obtain credit without one. 
Are they not a credit agency? 
Shouldn't I have a FICO score available? 
Do they not screen the customers they service to ensure that they all have a FICO score, that is why we have credit correct? 
Why can not I not talk to a live person?

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I cancelled my XXXX XXXX XXXX XXXX membership for medical reasons. For unknown reasons XXXX XXXX   XXXX XXXX kept my name in the system and did not cancel the membership as per my request. I spoke with XXXX directly when I went in to cancel the membership. XXXX was the manager in charge on that day. XXXX is committing Fraud by keep my name and my membership active when I specifically went in and spoke to the manager XXXX to have it cancelled. I was in total disbelief when I received a collection letter from an account that was kept fraudulent by XXXX XXXX XXXX XXXX. If this is their practice they should be shut down. The collection agency XXXX XXXX XXXX need to provide a validity of this debt, which can not upload because I directly went in to cancel.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX  had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with portfolio and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
The lender is collecting double the amount needed for my property taxes. I made this very clear before the purchase transaction was complete. They said they would collect double the amount necessary until the 2018 assessment was released and do an analysis of the account in XXXX. The loan has been active for 6 months and and they have disbursed the the 1st half of the taxes that the county requires but still double bills me. I have received an escrow analysis after the disbursement was made of {$660.00} to the county. The lenders escrow analysis states my obligation is {$1400.00} per installment. But they only disbursed {$660.00} to the county for the installment. They are paying the correct amount to the county however billing me double. They do not return phone calls or emails. I can document multiple attempts to have the issue resolved. 

They have unfair business practices and poor communication. I am being billed double for my property taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I submitted a dispute about my balance XX/XX/XXXX for American Express. On XX/XX/XXXX, I received a letter from American Express stating that " We are unable to locate the American Express account since it has been purged from our records, we have requested that the reporting agencies delete all info pertaining to the account from credit report. '' I waited a few months, each month American Express would continue to report derogorities on my credit report, thus lowering my score. Finally I disputed with the credit bureaus on XX/XX/XXXX with the letter from American Express as evidence. As on XX/XX/XXXX, nothing has changed, American Express is still on my report and reporting negatively each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I'm in the process of trying to close a Checking and Savings account for my deceased father. The bank is JPMorgan Chase Bank. 
My father lived and died in XXXX and I live in XXXX, where there isn't a Chase branch for over 200 miles ;  therefore I've had to try to do all of this via phone and mail. 
My father passed away on XX/XX/XXXX, which means it's been over 7 months and I still haven't been able to close his account and have the funds dispersed to me, his legal next of kin. My father was ill for years leading up to his death and accrued thousands of dollars of medical bills during that time, which remained unpaid at the time of his death. 
I've called the Chase Deceased Processing Group numerous times to attempt to obtain instructions, information, and to follow up on this process since XX/XX/XXXX, without success. I've talked to a different representative each time, none of whom were able to answer my questions or who seemed to have any information about my dad 's account or my attempts to close it. 
Since XX/XX/XXXX, I have mailed the Deceased Processing Group the original Death Certificate from the state of XXXX, included a letter of instruction for what I want done with the funds and included my signature, as well as mailing an official Affidavit for Collection of Personal Property and having it notarized three separate times, due to supposed " errors '' made on the document -- according to Chase bank, this includes missing information or the form being filled out incorrectly. After sending out the third attempt at the affidavit on XX/XX/XXXX, I waited a month without hearing or receiving anything only to call and have them tell me they " never got it. '' That phone call took place today, XX/XX/XXXX. 
I made copies of this most recent signed, notarized affidavit and have them in my possession. I have a receipt for the day I got it notarized and mailed it out. They are now telling me they need the original copy, which I guess either got lost in the mail, or they lost, or are just claiming they never received so they don't have to process my request. 
I can not afford to wait any longer, or keep getting the same document notarized over and over again without any direct communication from the bank that they are actively working with me to resolve this -- it's become quite clear that they have no vested interest in helping me recover what's left of my father 's money so I can mourn his death appropriately and be provided with some closure. In fact they appear to be doing the opposite. 
I have never had such a negative experience with a company in my entire life. More importantly though, what they are doing is morally wrong. They are profiting off of their deceased account holders and taking advantage of their grieving families.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tayne Law Group, P. C.
State: NY

Complaint narrative:
i hired Tayne law group to settle my debts and paid them $ XXXX monthly for one year ending in roughly XX/XX/2017 they later ownly settled 2 two accounts but charged me for 12 account then tried to sue me illegally to try to claim they worked on accounts that were allready settled by another attorney .. so basic they took money without doing the work and tried to charge money for accounts that were allready settled which is both illegal and unethical and tried to sue in another county where the crime was not commited

Company response to consumer: Closed with explanation