vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed

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 2018-09-19 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:
I have an old, closed auto account. to which I will attached the complete reported history from the creditor to Experian and XXXX. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I sent to Amsher a response to notices sent to me from the credit Bureaus and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : NONE OF THESE WERE PROVIDED TO ME BUT A BILL WITH A NAME AS MY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: AR

Complaint narrative:
This is a continuation of CFPB case # XXXX. 
The problem has NOT been resolved. Still NOT getting monthly bill/statement. 5 months now. Have nothing to show how my money is being applied ( I send in extra ). 
XXXX I called see if statement for XX/XX/XXXX mailed ( my XX/XX/XXXX payment was received XX/XX/XXXX ). Sent to XXXX XXXX voice mail-no response. 
XXXX Called again talked with XXXX XXXX ( resolution team ). He stated bill was sent on XX/XX/XXXX. 
XX/XX/XXXX Called again ( no statement ) XXXX took an attitude and said she had no control over mail. 
XX/XX/XXXX Spoke to XXXX-Statement had been mailed on XXXX. Still no statement Until this XX/XX/XXXX ( when they changed their system ) had no problem receiving statements. WHY IS THIS STILL A PROBLEM?!!!! I want XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX statements showing how my money has been applied! I want my monthly bill/statement to physically arrive at my home AND in a timely fashion!!!!!! ENOUGH IS ENOUGH!!!!!!!!! THEy totally LIED in their response to me & the CFPB! XXXX also thought it was a huge joke to be reported to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I have several issues with Mr Cooper aka Nationstar Mortgage. I am currently having an issue obtaining payment assistance due to unemployment. I was approved for an unemployment plan for {$500.00} a month for 6 months with XXXX XXXX in XX/XX/XXXX with a first payment due XX/XX/XXXX. I made the first payment then a week later was told my modification was rejected. After several calls and voice messages I spoke to someone last week and they stated they would send for research and call me back in 72 hours. I never received a call but got several other letters stating my modification was rejected and that I was unable to be approved for any other modifications due to 3 or more modifications. I have only had one modification to my knowledge. I spoke with a representative XXXX XXXX today who stated he would send my information for review again as he doesnt see where I have had 3 modifications either. He also stated that the reason why the payment plan was rejected was that XXXX XXXX did not offer it and it was approved in error. Please help, I do not want my home to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest Credit is currently reporting that my account is past due. This is incorrect. It is delinquent because of an error that they made. My pay-dates changed, and I advised them to adjust my payment schedule accordingly. Despite requesting the change, they did not adjust the payment schedule resulting in the problems with the payment. They know its their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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:
I have an old, closed auto account. to which I will attached the complete reported history from the creditor to XXXX and Equifax. It has been long past 7 years from the first reported delinquency and I have requested multiple times that the account be deleted from my credit history. each bureau keeps reporting less and less history of the account, so as to ignore the first few years of the payment history. I am asking they correctly reflect the complete payment history, then would subsequently show well past 7 years have passed since the first delinquency and then the account will be deleted. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
There was fraudulent transfers and withdrawals which were made on me and my daughter 's account ( my name is on her account ) on XX/XX/18. I notified TD Bank immediately. These were coming from a XXXX, NY location. I reside and CT. The total amount that was taken was approx. {$8000.00} ( around {$5000.00} from my account and around {$3000.00} from hers. ) I did file a claim and did give the Bank a police report, called SS to freeze my SS # and called Credit Bureaus. I had to keep calling constantly to see what the status was and was told to call the fraud dept. I never was able to speak to the same person nor the actual person doing the investigation. After the 10-day business investigation period, I was told that we were not going to receive our money and that our claim was denied. At one point, I was told that it had to do with an ATM debit card transaction and then I was told that it was from an IP address and was asked if I gave it to someone. I wouldn't even know where to locate it. I totally feel that this Bank is trying to make it my fault and are making me feel like I am the criminal. I asked them to send me the investigation report and give me a case # and the IP # they were referring to so that I can have it checked by an IT person. They told me that the only thing I was going to receive was the letter from the Bank denying my claim and that the IP # was confidential. Was my information confidential to this criminal. I can't believe that is how they treat a customer that has been with them for years. Thank you for any assistance that you give.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My bank offers Overdraft Protection which is essentially a Reserve line of credit that covers any overdrafts on my checking account. It also offers online banking where I can schedule payment of bills or transfer funds between my accounts ( ex. move funds to checking from savings ). When  transferring funds between accounts, balances are adjusted real-time. When scheduling payments, balances are not adjusted real-time. When you schedule a payment, you may have sufficient funds in your account to cover the payment but when the pay date arrives you may not if in the interim additional debits reduce the checking account balance. 

This is what happened to me. On or about XX/XX/XXXX I schedule payments to my life insurance company. I had sufficient funds at the time. Before the pay date arrived various debits hit my account reducing the balance. When the pay date on the scheduled payments arrived the bank paid creating overdrafts which they then covered by the Overdraft Protection for which they collected various fees. 

I contend that by not reducing balances for scheduled payments, the way they do for transfers between accounts, the bank is acting in bad faith in creating conditions for consumers to be uninformed of insufficient funds conditions arising in their 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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I currently have credit membership with XXXX XXXX XXXX and they charge {$19.00} a month. EXPERIAN *CREDITREPORT - XXXX, CA to my credit card. I tried calling them several times, they have a automated system to cancel my services but the automated system says I don't have membership and hangs up the call. They have no way to contact live person to resolve this. I have tried numerous numbers. I honestly believe this is fraudulent attempt by them to discourage people and keep billing people for services. There is no option to talk with anyone. There is no way to cancel these services online. They should be investigated.

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 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/2018, I went into XXXX XXXX in XXXX, Mo to buy a car. I had brought along a pre approval from XXXX XXXX XXXX XXXX and told the car salesman that I wanted my loan through XXXX XXXX. I picked out the car I wanted, and he took all my paperwork to the Finance Lady. She had my paperwork for over 45 minutes and did not talk to me until after she had ran my credit. She ran my credit for Wells Fargo, XXXX XXXX and XXXX XXXX. After I had given them a letter for pre acceptace from XXXX XXXX. I did not authorize them to try to get me a loan through either XXXX XXXX or Wells fargo, and I was not asked if they could. I wanted XXXX XXXX and I had made that clear with the sales guy. I will Never deal with Wells fargo, and had they actually asked me instead of doing whatever they wanted, ( after I gave them the Pre approval and made it clear I wanted only XXXX  ) I would of told them I would never deal with Wells fargo. I have tried to get them to delete the hard inquiries made by these 2 compaines but they refuse to. I have already filed a complaint with the XXXX and still they refuse. These are 2 hard inquiries that should never of been on my credit report, and I want them taken off. Thank you

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had credit since I was XXXX XXXX XXXX which is over 26 years, and have had accounts in good standing. Transunion is reporting that my credit history is only 8 years. I have called to complain and was told that good standing accounts only remain 10 years. Even if this is correct my credit history should show as 10 years. They told me if I wanted anything older to appear I had to contact the creditor directly and tell them to continue to report it. This is absolutely ridiculous to me. The fact that so many things depend on my score and they do not follow the rules makes me extremely angry. I have disputed things in the past as well and they told me the company verified the information and when I told them it was incorrect they told me to contact the creditor. I do not know how that is even possible when I never had an account with the creditor they listed and they do not supply the contact information. I have actually tried in the past though and the creditor was not able to look me up by Social or account # because I did not have an account # and Transunion would not supply me with one. My point being they negatively affect peoples credit and do not resolve issues as required. I am not supposed to have to prove something, they are supposed to report correctly and prove things should be on my report. They are also supposed to report accurately, if they are going to include length of credit they can't take away the things that show how many years you have had credit especially if it is such a big part of their scoring process.

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 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: AL

Complaint narrative:
On XX/XX/2018, XXXX  XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has not clear with XXXX County Clerk the " Satisfaction of Mortgage ''. In XX/XX/XXXX Bank of America was paid-off the loan mortgage XXXX # XXXX XXXX I had with that institution and re-finance with XXXX. I received a paid-off letter dated XX/XX/XXXX from Bank of America, which I will upload to you. Four years later when I am about to sell my house a title search done by the attorney reflects that Bank of America did not sent the " Satisfaction of Mortgage '' to the County Clerk to clear the lien, and Bank of America admits. Since XX/XX/XXXX when my attorney informed me this situation I have been calling the Bank to get this resolved. Unfortunately, up to now it has not been cured. Therefore, I can not set a closing dated to sell my house and may even be risking to lose the current buyer. 
Bank of America Branch at XXXX XXXX XXXX XXXX. XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Branch Manager and XXXX XXXX XXXX, Relationship Manager have taken the effort to resolve this situation. The XXXX # XXXX has been designated this time. I trust CFPB can help resolve this very serious issue affecting me and my family, for this irresponsible institution.

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 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
i have sent multiple emails to the risk department with proof of my address, my driver 's license, and 2 receipts and packs at a value of {$400.00} and they are refusing to refund me my money still. i have talked to XXXX who is a 3rd party and does nothing but forward the emails, i have spoken to XXXX who all of a sudden doesn't work there i was told i would be getting a full refund of the {$1300.00} in my account. i spoke to a person named XXXX that said he was supervisor who told me to send in what i could and i would get a refund. these packs were given to me by my grandmother before she passed. this has been going on since XX/XX/XXXX, i have been trying to resolve this since XX/XX/XXXX. my grandmother has since passed away, i have told them over and over that i have not been able to locate the receipts for the other 2 packs becauae she purchased them. i was told that was fine and to send what i had and i would get a full refund, i needed that money to assist with her funeral. i was also told by XXXX that because this company doesnt employ XXXX people or have XXXX people in the company he doesnt know how to deal with people like me. i also received documentation for another customer that states fraud, it shows that they place blocks on any and everyones account for the baseless reasons, no proof of fraud whatsoever, i have never been accused of fraud by them but getting this letter shows this is the route they will go that route. i have never spoken to an actually supervisor only customer service reps. this company is a joke a scam.

Company response to consumer: Closed with explanation