vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife and I are retired XXXX veterans. We found our retirement spot, had a home built and the asking price is {$570000.00} and the appraisal came in at {$530000.00}. I receive XXXX, VA XXXX, XXXX retirement and Military retirement. My wife receives XXXX retirement and VA XXXX. My brother passed XXXX and left me the only executive of his estate. In the last 2 years Ive received about {$200000.00} in back pay from VA and DOL. We are being treated like we are doing something illegal. We started this loan in 2019 and still being asked for bank statement. We have the money to go to closing. XXXX veterans should not be treated like this.The builder is losing money, and we have to pay {$100.00} a day to the builder until we close. The house didnt appraise as it should have because the same builder just closed on a house down the street with the same features but we have an acre lot and the other house had a half acre. So what if we paid to much, its our money.

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 2020-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Addresses, phone number and my name is incorrect on my credit 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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
My parents passed away in XXXX and XXXX respectively and my sister and I worked with the original mortgage company to do a modification. This was in effect with no issues until the loan was sold to SPS ... Select Portfolio Servicing. 

Then mysteriously in XXXX XXXX XXXX  the company started calling stating that the account was behind but could not talk to me. I had advised I had been sending payments and they said they could not speak with me only my sister. Basically they lost all our documents that showed I had any interest in the propriety and required us to re-supply them however they had documentation they could speak with my sister. 

I followed the instructions they stated by sending to a special address and with the bill and account number on a check, something I hadn't done in 6 years, but then received two payments returned. 

Then mysteriously in XXXX they were no longer able to speak with my sister. My sister finally found all the documents as I had no longer held them, and got them to the company in mid XXXX. We then get a notification that we are being sent to foreclosure but they can now speak to me. all they gave me in mid XXXX was a reinstatement quote but said they would help. 

I called today XX/XX/XXXX one last time and now they say they can't read any of the documents therefore are able to talk to us but not help us. 

I feel this company selected our parent home as an easy target and through their archaic processes believe they will be able to make over {$100000.00} on the home taking this from me and my sister.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have an American Express card with the plan it pay it option. I made the minimum payment towards the " plan it '' balances. There was also a charge from regular card use of XXXX that was not part of the " plan it '' balances. When this charge had posted I was given the option to hit the " pay it '' button to make a payment for that specific charge so it would not increase my minimum payment for the next month. They applied that payment along with the minimum payment to the " plan it '' balances. This increased the minimum payment for this month by XXXX. Their explanation as to why the payment made specifically for the extra charge in its exact amount wasn't applied to it is because they can apply however they want because the statement wasn't generated yet. This makes no sense since I was given the option to apply a payment for only that charge and any balance can be paid before a statement is generated. I know this because I get many statements with a XXXX balance even though there were charges in the statement period. Everyone I talked to with customer service department said they saw the problem and sent me to the plan it department saying they could fix it. As soon as I got to the plan it department they would go into a long explanation of why they weren't going to fix anything. I got passed back and forth like that for a while until the plan it person sent me to their supervisor of some sort that started with the same long explanation. AMEX needs to get their stuff straight and figure out who is in charge of what instead of constantly passing the buck around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I received numerous repeated calls from IC Systems in attempt to collect XXXX. Finally realizing what was happening, I called on XX/XX/2020 at XXXX XXXX, and said it was not a valid debt and I did not wish to be contacted in any capacity in the future. After this, I still received email messages and calls. I want these stopped.

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 2020-06-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018. The account is in good standing and should not be reported as otherwise.

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 2020-06-04 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my Early Warning Services and XXXX XXXX has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates - On XX/XX/2020, I sent a Cease and Desist letter requesting they cease all communication with me. I sent it via USPS Certified Mail ( XXXX ). Today, XX/XX/2020, they called my home phone ( XXXX ) XXXX at XXXX XXXX from a phone number listed under caller ID as Portfolio Recovery ( XXXX ) XXXX. I answered the phone, confirmed they were indeed calling for me, then informed them of the cease and desist letter. She said, " Yes I see we have that on file, '' then proceeded to ask me how I would make payment arrangements for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
A couple of years ago, a debt collection showed up on my credit report. All I know is that it is for XXXX XXXX in am amount of {$860.00}. I know that I have never run up a bill of that size with a utility Company. My belief is that I was a renter, moved and somehow the service was ever taken out of my name after I left the property and someone else continued service in my name. 
I have asked repeatedly, XXXX XXXX XXXX, the debt collector, to get me proof of the dates that this debt was run up during and also the address that it was at. I would be able to verify whether or not I was living at the address at all or will be able to verify what dates i lived there. Over a period of 2 years, no one is responding with ANY type of verification that this debt was incurred while I actually lived somewhere. 
XXXX can not help me as I don't know what address and dates this b ill is supposedly for. I want this off of my credit reports. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my XXXX XXXX XXXX and Chex Systems has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl 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 2020-06-04 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: TX

Complaint narrative:
I've been trying to access my FREE TransUnion credit report for weeks now, and the message I get is " we are unable to access your report at this moment '' every time I call I get the same excuse they say " It's under maintenance '' without any other explanation, and they just say they do not have access to it, however, they keep reporting to it. On XX/XX/XXXX a negative account was removed from my report and the score should have increased, instead, it dropped for an unknown reason. The same thing happened on XX/XX/XXXX my credit score dropped a ridiculous 67 points when I checked why the only thing changed was two of my balances DECREASED! this should be a good thing, not a bad thing to have caused my credit score to dropped. I demand an explanation since I do have a good credit history and there should be no reason why my score should have dropped 86 points in less than a month because my balance decreased and a collection account was removed. This is crazy, pathetic, and unheard of. Since they aren't willing to assist and give me a logical explanation as to why my score keeps dropping I am filing a former complaint with Transunion.

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 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I keep receiving voicemails where they leave no company name, or call back. They are asking for my XXXX year old son. Upon calling back they state it is Transworld Systems the number is different each time. They will not give me information unless I give them my sons name. I refuse to do so. Since they first contacted me it will be 5 days tomorrow i have never received anything in the mail. My son is under my insurance i provided them my name and said to search by my phone number. They refused and cant look by phone number even though they keep calling this number. Also I said my name is and told them. They did not ask for spelling, or anything to search my name. My son is XXXX months old and under my insurance if it is a legit medical bill it should be addressed to me not calling  harassing my almost XXXX year old. 

They have called on XXXX XX/XX/2020 at XXXX and again on XX/XX/2020 XXXX. Both voicemails say their name and ask if ( my son by name ) is available. They never say a company they are calling from. The first number is registered to a women in XXXX when i searched it. If there was a medical bill under myself it would show on my credit. All our doctors bills go to XXXX XXXX I have never heard of this company. They are starting to harass my phone asking for my almost XXXX year old with not a single trace of paper in the mail validating this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Myself XXXX XXXX I live in XXXX XXXX XXXX, XXXX MD XXXX, I have an account with Bank of America for Many years i had a Checking and savings and rewards savings account in Bank of America, in XX/XX/2018 someone put a fraud check in my checking account first time Account number XXXX I called Bank of America and they stop the payment from going through and again someone put a fraud check in the same account I called Bank of America again and they froze my whole account including the saving and reward savings that was connected to my checking account and the bank also blocked our access online so that is the reason I could not have checked online either and the bank never sent me an email or email or number of called i could not see any of the activity that were happening in my bank account so how am I supposed to now the bank is giving my hard worked money to someone that I put in my saving rewards account number XXXX when the bank doesnt have any rights to give money from my savings reward account even the guy that put in the fraud check neither was there my name or my address or my signature and also I did not have my account number and also these was not even my account check I dont understand how the Bank of America can do such a big fraud with me sir I am very up set because this is almost 2 years I have asked a lot of people for help me I emailed the Bank of America CEO and the mayor of Maryland mr XXXX XXXX XXXX XXXX. I hired a lawyer and the lawyer said its not your fault and I will get all your money back to you and he has already taken {$2000.00} and then the lawyer did not do anything for me and I am also sending you the email that I have received from the lawyer And I am very upset Thats the bank did such a big fraud with me The bank keeps on telling everyone that I have to inform them in the next 60 days. But how am I suppose inform Bank of America when bank of America froze my bank account Sir I really need your help because it was my hard worked money that bank of America just gave to some one XXXX XXXX XXXX SPRING TIME WAY XXXX MD XXXX XXXX ; MAIL XXXX ph ; 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 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I told them to leave me alone as the debt wasn't valid. They never validated the debt but continually call me. When they call, they don't leave a message. They just call from numerous different numbers several times a week. I answer but no one says anything. I have to XXXX or call the number back to find out who it is. I want them to stop calling me! It's harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.Ally financial and XXXX XXXX of XXXX violated the military lending act. I joined the military XXXX XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. 
Did you notice that she didnt investigate the MLA which was violated. 
I need to be compensated for all the damages that occurred + XXXX for down payment. 
In the contract as a military member I was financed XXXX XXXX  The XXXX needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). 
MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( XXXX ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, XXXX XXXX, or XXXX XXXX. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. 
In addition to regulations, in XXXX the XXXX issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. XXXX question-and-answer in the XXXX guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX amendments mentioned above, the XXXX stated that the interpretation applied to secured motor vehicle loans, too. 
Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included XXXX XXXX would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % XXXX limitation, but also to the prohibition against securing the transaction with the vehicles title.

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