vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My mortgage loan was transferred to Amerihome Mortgage LLC ( loan servicer ) immediately after closing with XXXX XXXX in XX/XX/2018. The first payment check for {$2600.00} dated XX/XX/XXXX18 was mailed to the above servicing company on XX/XX/XXXX18. The check was debited in my checking accounting with XXXX Bank on XX/XX/XXXX.18. On XX/XX/XXXX18, I viewed my mortgage account with Amerihome online and found that no payment had been credited to my loan account. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer on XX/XX/XXXX18 and provided the copy of paid check ( see attached file " cashed check '' ). I was told that my complaint has been sent to Cash Dept. for research and I will be informed within 3 business days. However, I did not get any response. I communicated ( attached " Communication XX/XX/XXXX '' ) with the loan servicer once again on XXXX18 and was again informed that they have not heard from Research Dept. and will inform me once they get the information. No information was received and I contacted the loan servicer again on XX/XX/XXXX18 ( attached " communication XX/XX/XXXX ' ) but no results of research were available. I requested for signing of affidavit for non-receipt of cashed check required by my Bank to claim the payment from paying Bank and sent the affidavit for signature on XX/XX/XXXX ( attached " Affidavit XX/XX/XXXX '' ). 
Till date I have not heard anything from the loan servicer. The signed affidavit is need by my Bank immediately to claim the payment from the paying bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I was called eight times on Friday by XXXX XXXXXX/XX/XXXX ( Ohio ). When I confronted the caller about excessive calls she said they dont have to follow UDAP rules. I also mentioned that they use blocked numbers and she told me that they dont, however the call I was on was from an unknown number with XXXX concerning a missed payment. On Thursday they called six times, Wednesday they called two times as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.

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 2018-08-05 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted to Equifax a request for an investigation of an improperly reported lateness on their report Confirmation # XXXX for account XXXX from XXXX XXXX XXXX who is my mortgage servicer. 

As I stated on my letter to Equifax, an incorrect 90 days late for XX/XX/XXXX was being reported. 

At that time I was under Chapter XXXX Bankruptcy protection and legally under reorganization ; Case # XXXX United States Bankruptcy Court XXXX XXXX of California XXXX XXXX filed on XX/XX/XXXX. Because of it no credit reporting was proper or required. The bankruptcy case was successfully completed and discharged XX/XX/XXXX. 

On XX/XX/XXXX when the alleged lateness occurred that being was reported I was in fact under an active bankruptcy chapter XXXX plan. 

Equifax not only did not care to investigate the facts after my written request but Equifax now arbitrarily and very damagingly reports on their new report Confirmation # XXXX a brand new bankruptcy case filed on XX/XX/XXXX. Never mind the Case # is the same of the XXXX case. It also reports a wrong court address. Finally it reports my mortgage under Wage Earner Plan when in fact it is not but it is current and being paid as agreed. 

All these new reportings are negligent and irresponsible and as such very damaging to my credit and reputation that I have fought diligently to repair since the economic downturn of XXXX ; witness the successful completion of the Chapter XXXX reorganization and an excellent paying record, to have now the credit reporting agency so carelessly and abusively dismiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & Equifax Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card is charging extra fees on two cash advances I took and paid back the fees and credit card in full. They charge {$10.00} and additional fees every month when I paid the card in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX  and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
*****I DO NOT need this to be resolved, I don't want Wells Fargo to contact me. I just read the XXXX XXXX XXXXXXXX article, and thought I should share my experience as well. I don't want any contact unless Wells Fargo is offering me monetary compensation for the way they treated me. 

Wells Fargo informed me on XX/XX/XXXX, that they will be closing my account due to " fraud. '' I have had no prior notice that my account is being investigated for fraud or has any suspicious activities. 

I am a college student, and I use my bank account to pay tuition and for other living expenses XXXX food, subway fare, school supplies, etc ). I never even bought alcohol with my cards, so I don't understand why they closed my account due to " fraud. '' The only thing remotely suspicious is that my mom just wired me some money for me to pay my tuition, but that's about it. Another reason why is perhaps my mother is XXXX, but she has lived in America since XXXX, and I don't know how that constitute as " fraud '' either. 

I am now banking with a different bank, who informed me that Wells Fargo closing my account is purely their fault, and they would be happy to have me as a customer.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Received 2 letters from Midland, stating to pay by a certain date, or legal action may occur.  This complaint is in reference to the first page of my attachment. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: AZ

Complaint narrative:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was sprint. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off 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 2018-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
The Vehicle was repo in XXXX Santander Consumer applied the repo fees and it increased the loan and the loan is almost XXXX for a XXXX car the representatives wont work weith m, e each time its someone bto threaten me about repo again and I also to make lower payments every week and it will be credited to my account as a note but thsat wont work either how to work with an company that wont give you a chance at all hardship fall upon some of us but i willing to try and make payments every week to get account caught up but the company wont work with you.what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: GA

Complaint narrative:
XXXX, XXXX  and Trans Union will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.

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 2018-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.

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 2018-08-06 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  ),  XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX Account Number : XXXX ( Experian , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( Experian , XXXX  ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , 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 non-monetary relief
Consumer complaint received 2018-08-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit  reporting agencies in connection with 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 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I attempted to book a flight with Delta on delta.com. Delta runs a credit card promotion with American Express, which advertised that I could receive {$200.00} off my  flight if I applied for the account. I did apply, and was a approved. The {$200.00} credit was not applied to my statement. I called Delta, and they directed me to American Express indicating that they would give me a temporary account number to purchase the flight, and the promotional rate would be applied to the card statement. 

Delta then transferred me to the Amex customer service, where they claimed that since this was a new account that I would not be able to access or close the account until the next business day. This is a clear bait and switch promotion, and is extremely frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( Transunion ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Transunion ), XXXX Account Number : XXXX ( XXXX  , Transunion ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , XXXX , Transunion ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Trans union ).

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 2018-08-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX XXXX XXXX TN Account Number : XXXX ( XXXX  , Equifax , XXXX ), XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Account Number : XXXX ( Equifax ), XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I do not have a escrow account with my condominium home loan and never did.. 

Over the years, the bank creates an escrow account with false charges such as for fire insurance. Then they pay the false escrow charge from my monthly loan payment and claim that I did not pay my payment, proceeding to ruin my credit. That forces me to make extra loan payments. I have always have made my monthly loan payments plus two that I had paid, cashed by their bank, but never credited to my account. 

I contacted an attorney who said the legal cost to sue would exceed the amount of the two not credited loan payments I made, about {$1700.00}. The attorney said to go to small claims court, but the SC court said that the Bank who has been cheating me does not do business in my home state. 

I have contacted the bank many times and have sent them proof that my HOA pays all required insurance for my loan. I requested a complete record of my payment record but they sent unreadable records which shows that the know that they are cheating me and maybe hundreds of their other customers. Please help, this is the third time I am being cheated. Attached are the current documents. 

.

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 2018-08-06 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: ERC
State: AZ

Complaint narrative:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off 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