vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 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: AL

Complaint narrative:
XXXX, Experian and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.

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 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
There is an item showing in my credit file with Hunter Warfield inc. I have no idea what this is for and I sent a letter to them asking for details. They haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery continues to contact my employer after being told to cease doing so on XX/XX/XXXX. They called my work on XX/XX/XXXX and XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today, XX/XX/XXXX. This is creating both an embarassing situation in addition to a tense work environment for me. I have sent notices of dispute to this company asking for proof of my application for the credit card debt they claim I owe ; however, they just keep sending me copies of statements wherein charges were made and claiming that is all the proof they need ; never sending me what I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIORECOV from ( XXXX ) XXXX, XXXX XXXX, XXXX Hrs, from ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX Hrs are only the the most recentcalls. This company has been calling me for years. Spoke to person several times explaining that the person they were trying to collect from is not me, I never heard of them. I don not owe anyone anything. I have never written a bad check or missed a bill EVER! This is my home land line number. number is unlisted and on the Do Not Call registry. IT has been my number since XXXX XX/XX/2015 when I moved here. I've blocked their number several times, but they keep spoofing new numbers. This business is the worst of the worst. How can they be stopped? Will someone Please DO SOMETHING! My Telephone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NCB Management Services Inc.
State: MN

Complaint narrative:
NCB MANAGMENT SERVICES is reporting on my Credit Report that I have a Balance in Collection as of XXXX that has never received any payments. I have never recieved any Collection Letters, debt details or contact from NCB Managment Service nor the original debtor regarding this debt. The date, balance and original creditor are not familiar to me and since I had filed bankruptcy prior to this debt, I am concerned they are attempting to collect a debt that was cleared from my bankruptcy. Since my Spouse has passed away, it is also unclear if this debt is related to him and not directly related to me. In XX/XX/XXXX and again in XXXX, I disputed the information on my Credit Reports with XXXX and XXXX. The outcome is not clear and I have not received any details regarding this debt. On XX/XX/XXXX, I mailed a letter to NCB Management Services requesting the details regarding this open balance they've reported in collection or they remove the negative remards in their entirety. I have recieved no reply. As I am trying to address this collection, I am unable to do so without any knowledge or details of the origin and am unable to dispute it further as NCB Managment has failed to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NC

Complaint narrative:
Since XXXX when I originally reported identity theft to al credit reporting agencies and registered with FTC Confirmed by office of comptroller for currency in XX/XX/XXXX Transunion has continuity reported incorrect info on my credit report I received correspondence from transunion XXXX XXXX Saying they corrected my credit report On the current version They took off creditors accounts that pertain to my 40 year credit history And left. XXXX which I did not apply for and reported fraudulent to XXXX banks in XX/XX/XXXX Also transunion changed a loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Why? 
They stated it was their transunion.reporting Error XXXX XXXX loan was reported as XXXX $ per month paid off in XX/XX/XXXX As per XXXX XXXXXXXX XXXX XXXX XXXX there was a note put against my home from them at approx {$530.00} per month so this is INCORRECTLY REPORTED by transunion I want to know where transunion got the information and who authorized the change of the name if the financial institution Also XXXX XXXX XXXX XXXX has denied a transunion reporting inquiry of XXXX And XXXX XXXX has denied a transunion reporting for an insurance underwriting inquiry of XXXX XXXX XXXX has stated their was a fraudulent hard inquiry of XXXX Along with 20 other soft inquiries XXXX XXXX has denied a hard credit inquiry reported by transunion XXXX XXXX XXXX has denied a hard inquiry of XXXX reported by transunion Where does transunion get your reporting info from to put it on my report

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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i havenot been credited for 2 mortgage payments on XX/XX/2018. i made payments by 2 seperate checks in the branch in XXXX ga on XX/XX/2018 and have sent in a copy of my receipts for this transactions along with copies of both cancelled checks. neither of my payments and the late payment charges have been credited to my outstanding mortgage balance. my loan has since been transferred to a debt collections serivicer and and i am not able to make any progress with getting this huge error corrected.

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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear XXXX : Although I have a conventional fixed rate mortgage with Wells Fargo ( WF ), a well documented criminal enterprise, I have been instructed by WF to first make payments to " XXXX XXXX XXXX XXXX XXXX  '' which first refused to acknowledge my timely payments, dunned me with incessant calls and letters saying payments were not made which had been made, XXXX up my credit with false late payment reports and then after I complained here, blamed me for not sending them my bank statements although I had sent certified return receipt letters from two bank managers showing all payments made. This was a corporate attempt to illegally put me into default and foreclosure and steal my equity. Nothing was done about the dunning or the credit damage inflicted although I believe my account was corrected for the payments that had not been acknowledged. I say I believe because even though I am an XXXX  the escrow and Account Activity Statements sent by XXXX are incomprehensible ( I think purposely so ). So first Wells Fargo disassociates itself from the attempt to steal my equity by using XXXX and now it looks like I am being set up for another round with this new company " XXXX XXXX XXXX '' which is instructing me to send a payment {$97.00} higher than what I paid WF and {$29.00} higher that what I paid XXXX. Since this CFPB   doesnt really do anything but keep records I am making this record so that that when I figure out how you are stealing from me by making my payment higher each year on a fixed rate mortgage and hiding it in incomprehensible documents and how many other people you are doing this too i can make you pay. Sincerely, 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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am submitting this complaint about XXXX XXXX. The company representatives ARE RUDE AND UNPROFESSIONAL. They contacted me about a debt from an old apartment community where I worked and lived. They never explained the debt break down and have added interest on the debt and it is negatively affecting my credit score every single month. I am currently trying to purchase a home and I am unable to move forward in the process. This company has failed at communicating with me to resolve this issue. The original balance has now increased by {$1500.00}. This is a balance from XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: American First Finance, Inc.
State: IL

Complaint narrative:
I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
XX/XX/2019 I called LexisNexis and told them they incorrectly reported to an insurance company that I had a federal tax lien. They told me there was nothing that they could do about it. I do not have a federal tax lien and do not want it reported that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: BANK OF THE WEST
State: GA

Complaint narrative:
Due to an auto accident in XX/XX/2017, and not reaching a settlement with the insurance company over medical bills, we were forced to seek relief through bankruptcy. We have 2 accounts that show as included in the bankruptcy proceedings, that had no balance, and were paid off well before the bankruptcy was started. All other open accounts that were required to be listed in the proceeding that had no balances show a satisfactory rating, except these 2 accounts, and they refused to change that status, that shows on our credit report as adverse accounts. We disputed the accounts through the dispute process with the credit bureaus, and have contacted the companies directly, to no avail. 
All we are asking is that the status be changed, due to them not being included in the bankruptcy filings, only listed by law, which will change the status to satisfactory.

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 2019-04-04 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: VA

Complaint narrative:
XXXX and XXXX XXXX XXXX mortgage made a mistake on the credit report and placed two hard inquires on our credit reports and Transunion will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points. 


XXXX XXXX  from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.

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 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, I went onto the XXXX XXXX website to book a flight. Before I hit confirm to move onto the next steps to book the flight, a '' Citi AAdvantage '' credit advertisement appeared next to the information on the screen stating that if I applied I would get a {$200.00} credit if approved. It showed that the ticket I was about purchase would go from {$580.00} to {$380.00} if I applied and was approved. Nowhere during this process was I told it would take 7-10 business days to process the application and I would in fact NOT receive a credit on the current flight I was going to book that day. Various online

creditors prompted a notification to my email address that Citi checked my credit. Upon that notification I received an email from Citi indicating I had to call them and provide additional information. So I called the number and a customer service rep for Citi told me I had to provide proof of ID, which I never had to do in the past with credit card companies. She further told me that it would take an additional 7-10 days to process the application an that they would not credit. She further stated " sorry for the inconvenience ''. This was just a blatant ploy to get people to sign up have their credit score possibly affected and then
not provide them with the {$200.00} credit they supposedly offered online. This is egregious and extremely misleading. Now I'm stuck, I don't want this credit card based off principle, I'm trying to dispute it with the creditors under the fraudulent credit report check by the company.

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 2019-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, I visited XXXX XXXX XXXX to view new vehicles since my current lease was terming out in a few days. XXXX XXXX, salesman, assisted me on choosing the vehicle that I wanted. I agreed on the vehicle of my choice, so the process continued with the financial portion of the deal. I spoke to XXXX, who was the lease dept. As part of the agreement, the dealership would taken my previous lease and all fees associated with the expiring old lease. Once I agreed on a down payment and monthly payment, I signed the papers and took possession of the new vehicle. Two months passed and I received notification that XXXX XXXX XXXX was charging me over {$4900.00} on mileage overage and was due immediately. I called XXXX XXXX, and he advised me that there was nothing he could do. I called and met with the General Manager XXXX XXXX, and he reassured me that he would be able to help with the misunderstanding, that he would get back to me as soon as possible. Several weeks passed and and several emails later, he advised me that he was not able to assist me with the mileage overage. I told him that was not part of the deal that I made with his dealership and that I would like to return the car and have my down payment of {$2500.00} returned to me. He told me that was impossible since three months have passed and I am stuck with the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: GA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I've had a mortgage loan with Flagstar Bank since XX/XX/XXXX. My taxes have been deferred due to my XXXX XXXX since about XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes, however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX, I received a new escrow analysis from XXXX with my payment going from {$900.00} to {$1700.00} because XXXX paid my taxes which resulted in a negative escrow balance. I called XXXX and told them that my taxes were deferred which was also reflected in their system. They said it a mistake on their behalf and would be corrected, they would start working on getting a refund from the county in which they paid. On XX/XX/XXXX they informed me that there was nothing that could be done because they couldn't get their money back from XXXX County. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. On XX/XX/XXXX,  they withdrew the full {$1700.00} from my bank account. This resulted in my bank account going into the negative and all pending payments sent for bills were returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake which they're unwilling to take accountability for. Additionally I never received correspondence indicating their decision to keep my payment at the higher amount. Even though I was told by the escrow department back in XX/XX/XXXX that my issue would be considered " high priority ''. However I didn't find out until the debited my account for the {$1700.00} instead of the {$900.00}.

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 2019-04-04 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: VA

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX   XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than 15 points. 


XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.

Company response to consumer: Closed with non-monetary relief