vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/18 I saw that I had an item on my credit for XXXX XXXX. It appears EOS is the collection company. I sent a letter requesting validation to the two credit bureaus that it was reporting to. On XX/XX/18 EOS sent me a letter that gave the name of the original creditor and the balance. They didn't include anything like a contract. They basically just said this is your debt and this is the original creditor. On XX/XX/18 I requested from the credit bureaus actual proof of how they validated it such as a signed contract from XXXX/EOS. Instead, I received a settlement offer in the mail from EOS dated XX/XX/18. My XXXX   credit report dated XX/XX/18 shows EOS remains. However, it doesn't appear to be on my XXXX credit report dated XX/XX/18. It has been just over 3 months that I have been dealing with this situation. I have followed the steps that I should to ensure the items on my credit report are mine and reported the way they are supposed to. EOS is keeping me from reaching my personal goals due to their unwillingness to provide the documentation that shows this debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have received multiple warning letters from Wells Fargo Home Mortgage concerning my property insurance despite the fact that the policies have never lapsed and were always adequate. The latest letter from Wells Fargo was dates XX/XX/2018 and threatened me with force placed insurance if I didn't correct the problem within 30 days. After multiple calls to the insurance company, my bank, and Wells Fargo, I determined that the payment had been received by the insurance 4 days before it was due and it had never lapsed. The Wells Fargo representative ( XXXX ) acknowledged that the policy was in force and she could not explain why I received this letter. I have had the same insurance company for several years and they stated that they sent WF the renewal info in XX/XX/XXXX. 

I consider this harrassment - I have always paid my insurance and should not be receving these letters multiple times. I had to make phone calls at work ( because of the insurance company 's hours ) while on XXXX XXXX military duty which detracts from my ability to serve my country.

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 2018-07-17 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: NJ

Complaint narrative:
transunion is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

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 2018-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, I know my updated credit score and have validated this with my bank and several other banks. These reports state that my updated credit score is XXXX. I have applied for two loans. They based their determination on an extremely outdated credit score, XXXX, a credit score I had well over a year ago. I know that Transunion does indeed report to the banks and they report it as XXXX currently, at this time. However, when I applied for loans, three loan companies stated that TransUnion provided a score of XXXX. I wrote to TransUnion, via the XXXX, telling them to please update my credit score so I can apply for a loan and get a better rate. Sadly, my written inquiry must have been picked up by a robot, not a human who actually read my letter. What I got back was a credit report only. No score, no response to my inquiry whatsoever. You can't actually call Transunion. You get a recording. I'm stuck now with this. It's like a curse because I have worked extremely hard to improve my credit, all for naught.

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 2018-07-17 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: LA

Complaint narrative:
I have 15 Hard inquiries i dont find familier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: M&T BANK CORPORATION
State: WI

Complaint narrative:
While applying for new credit, I was informed that M and T bank had reported me 60 days late for the month of XX/XX/XXXX. When I reached out to the M and T, an associate informed me that they did not report my account late but when I checked my credit report, it was shown as late for XX/XX/XXXXwhich is inaccurate. The associates informed me to dispute with the bureaus at which point they will respond. Knowing this can take up to 30 days and most cases require supporting documents, I escalated and requested something in writing. 

I was informed I would received a letter within three business days and when I called I was informed I was be receiving it shortly. This was not the case.

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 2018-07-17 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I contact Ford Motor credit and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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:
XXXX is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NJ

Complaint narrative:
XXXX  is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

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 2018-07-17 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: CL Holdings LLC
State: TX

Complaint narrative:
Today contacted XXXX and XXXX on a company called XXXX XXXX XXXX I disputed the company over a year ago with success but today they reinserted it back on my credit report by have another creditor taking over according to my credit report ... they failed to notify me in 5 business days before putting it back on my credit report which is a violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I borrowed {$20000.00} from sallie Mae and I have paid {$350.00} a month for over 10 years and I owe them over {$35000.00} more then I borrowed. Even though I have been paying them. Sallie Mae gave my account to Navient without my consent. I am a XXXX XXXX and I tried applying for a XXXX XXXX forgiveness loan with the Department of Education, but the Department of Education denied it because it is a private, which I never knew it was a private loan until I applied for the XXXX XXXX  forgiveness program. They were deceitful and never disclosed it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DCN Holdings Inc.
State: OH

Complaint narrative:
On a two phone line, receiving a daily morning call in from a Florida based company who is acting like a Collection Agency. 

Receiving Call from phone no. XXXX Company Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX website : XXXX ) This company is acting as a Collection Agency,  but when checked with Florida Attorney General office and Florida Office of Financial Regulation, they do not hold valid license to act as an collection agency. 

( 1 ) We have already notified this company to stop calling but they are not stopping.

( 2 ) On XXXX XX/XX/2016, we have already notified this company by Fax ( XXXX ) and by Certified Mail Letter ( # XXXX XXXX XXXX XXXX XXXX ) to stop calling and provide supporting documents and evidence for any claim they have. 

But still this company is keep calling and also sending threatening collection emails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing , Inc . 
Loss Drafts Department XXXX. XXXX XXXX XXXX, OH XXXX I am getting the runaround from the Loss Drafts Department at Select Portfolio Servicing. We had a fire back in XX/XX/XXXX. The total amount of the claim was {$160000.00}. The first two payments were made relatively quickly. The last payment was delayed a bit but not too bad. I requested the final inspection on XX/XX/XXXX. This is the inspection that shows the insurance related work has been completed. I was told that someone would contact me within 6 business days to schedule the final inspection. It is XX/XX/XXXX and I have still not been contacted. I spoke with SPS as well as the company who handles disbursements and the inspection scheduling, XXXX, and was assured I would be contacted. In the meantime, the work is done. They are sitting on {$25000.00} which is owed to the contractor, and I shudder to think how long it will take for them to send me the check for the hold back depreciation, once the insurance company sends that to SPS. 

It is now XX/XX/XXXX, 1920 business days have passed, and I have yet to be contacted by anyone. I was told on Tuesday, XX/XX/XXXX, that I would be contacted within 72 hours. It didnt happen. 

This is outrageous. The work on my house is complete. Im getting invoiced by the contractor and I am waiting 20 business days on top of XXXX knows how many more days after that to have the funds released after the inspection has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX  company that i have ever dealt with. 
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.

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 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. 

Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. 

Can you please assist? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$7200.00} under a 12 months defer int from XX/XX/XXXX to XX/XX/XXXX I pay {$2500.00} I make a new purchase XX/XX/XXXX and XX/XX/XXXX of {$100000.00} under a 60 months waived interest equal pay I was concerned about my monthly payment and i ask the agent from XXXX XXXX what my monthly payment will be like she told me all my new balance of {$100000.00} will be consolidated in one for the 60 months waive interest equal pay with a minimum payment of {$1800.00} I agree because i could pay that per month. I continue to make my regular monthly payment up to XX/XX/XXXX when my balance change when i make another purchase under the 60 month waived interest equal pay. To my surprise they charge me interest for in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling {$1800.00} they claim that my first loan of {$7200.00} expire in XX/XX/XXXXand its accumulative for 12 months plus interest on the balance for the other months that was not the case of the agreement of consolidating my balance into one on a 60 month equal pay I am not suppose to pay no interest they are totally dishonest and i need my interest charges removed please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contact XXXX XXXX XXXX and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint as XXXX XXXX XXXX have not sent me proff of my obligation of the alleged debt as requested and continue to report to the 3 major credit bureau. XXXX XXXX has continued to ignore my request for validation and ignore my consumer rights. In their response that they verified the item as accurate but has failed to send me a copy of the documents used to verify the disputed account. Account # XXXX sent certified letters on XX/XX/2017 and XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been writing Portfolio Recovery Assoc., for over 2yrs regarding a CC from XXXX XXXX that is not mine. I have also written the 3 credit bureaus, the Dept of Justice and the Attorney General with, *Identity & Fraud reports, *Copies of my personal DL # & SS Card proving the information they have listed is not mine.

*And a letter from XXXX XXXX themselves stating the account was fraudulent.

Now, PRA has sent a letter stating the account info they purchased from XXXX XXXX has a different account number than the account number listed on the my letter from XXXX XXXX. They are stating that they have stopped all collection attempts while they do their own investigation but I am requesting that this information is removed immediately with the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.

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