vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Asked them to remove but they did not. 
I did not authorize these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never authorized these inquiries ever!

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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
XX/XX/XXXX Motion for Judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.

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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: OH

Complaint narrative:
I received a debt collection letter and I am requesting Debt Validation Contract For Debt and assignments according to Fair Debt Collection Practice laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.

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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX Motion for Judgement

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 2018-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2017 someone walked into a XXXX XXXX, XXXX branch of XXXX XXXX and transferred money from my bank account, in the amount of {$1500.00}, using Western Union to someone named XXXX XXXX in XXXX. I was in XXXX  on XXXX vacation at the time and found out about this upon returning to XXXX XXXX where I reside. When I found this out, I called my bank who told me I had to go to my local branch in XXXX XXXX, XXXX to file a dispute. I went to the bank and was told that I had to file a dispute directly with Western Union to get my money back. I filed a case with Western Union 's Fraud department. The case is # XXXX. I reached out to Western Union who then told me to get a refund I needed to file a police report with the XXXX XXXX Police Department. So I filed a police report and sent it with the case number to Western Union at XXXX. I have called them every day for over 30 days expecting some sort of answer. I called them tonight and now they are saying that despite my calling them they are not able to refund my money which was fraudulently taken out of my bank account and money I desperately need. Can someone please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: College Foundation, Inc.
State: NC

Complaint narrative:
College Foundation Inc 30 Missed Currently 120 days past due Overview You've paid off -79 % of your  student loan amount. 
Balance {$7100.00} Highest Balance {$4000.00} Monthly payment {$74.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mo ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE You've paid off -44 % of your student loan amount. 
Balance {$5000.00} Highest Balance {$3500.00} Monthly payment {$52.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/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 2018-03-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On Saturday XX/XX/2018, I received post card stating XXXX, Equifax and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On Saturday XX/XX/2018, I received post card stating XXXX, XXXX and Experian were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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 2018-03-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.

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 2018-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.

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 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
We used New American Funding to obtain a conventional home loan for a home we closed on XX/XX/2016. 

The Loan Consultant for New American had originally estimated the annual property tax to be {$2900.00} a year when he issued us a loan estimate on XX/XX/2016. By the time we closed, the underwriter had readjusted the taxes down to {$1800.00}. Now that we have been in the home for a year we have learned that the taxes will be {$3100.00} and our escrow account has a severe short fall that will cause our monthly mortgage payment to increase by 21 % for the next year. 

The previous home owner was a XXXX veteran, was using the property for agriculture, and he was a senior citizen, thus he qualified for extensive tax exemptions. When the underwriter pulled the tax certificate for the previous owner they failed to ask the local tax office a very simple question, " Was the property receiving any tax exemptions? '' The tax certificate has a statement which reads, " If applicable, the above described property is receiving special valuation based upon it's use. Additional rollback taxes that may become  due based upon the provisions of the special valuation are not indicated on this document. '' If the underwriter had read the tax certificate and would have made a simple phone call they would have known not to change the original tax estimate that was provided by New American 's Loan Consultant. Instead, we are the ones penalized by their mistake. A 21 % increase in mortgage payment is unacceptable.

I have tried talking to New American but they do not believe they have made a mistake. They believe that the home 's reassessment is the cause for the gigantic leap in tax liability. They aren't reasonable and won't even acknowledge their mistake. The fact that their own Loan Consultant was almost spot on with his original tax estimate tells me that New American has a serious problem with their underwriting process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.

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 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My bank account was hacked through PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several charges through XXXX. When I complained the charges were removed. However, PayPal took money out of my account to match the fraudulent charges. This was done without notification or permission. When I called to see why no satisfactory info was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see them..

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 2018-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery has re aged this XXXX XXXX account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation