vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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 — Investigation took more than 30 days
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track number-XXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.

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 2018-07-16 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: OR

Complaint narrative:
XX/XX/2018 XXXX - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX   is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: KY

Complaint narrative:
In my last letter dated XX/XX/18 I mailed proof that the debt was written off by the original creditor ( XXXX XXXX ) but never received a response about this claim from the creditor. However, the creditor is still attempting to collect, which is in violation of the FDCPA. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They did not even read my letter and only sent a form collection letter in return!! Unacceptable!! 

I am attaching all correspondence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX  to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX  I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police  department incident number XXXX I have been dealing with XXXX  and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX  and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am attaching a copy of an updated deed to show that the ownership has been updated to include my wife and son. There is simply no excuse for refusing a modification process in the past, and now there is more than sufficient income to validate a modification with a forbearance agreement. I am also requesting a fully detailed qualified written request, under my rights with the Fair Debt Collection Practices Act. My attorney XXXX XXXX, XXXX. has been notified by Ditech that an investigation of my file is ongoing. However, I believe that I was discriminated against as a member of the XXXX XXXX. I request a full review and approval of my forbearance/modification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: NY

Complaint narrative:
I disputed the following accounts with Experian on XX/XX/XXXX, requesting that they reinvestigate the accounts. They said that they verified and updated the accounts during their reinvestigation, which was concluded onXX/XX/XXXX Report # XXXX, but they didnt actually verify, and they are continuing to report the accounts on my credit report, which is a violation of the FDCPA and the FCRA. They also failed to update status date which means they never conducted a reinvestigation as required by the FCRA 611. Its been over 2 years since any of these account have been investigated or reinvestigated.

1. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 2. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 3. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 4. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 5. XXXX XXXX # XXXX : No status update since XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 6. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT Failure to conduct a reinvestigation is a violation of Fair Credit Reporting Act ( FCRA ) I want the above-mentioned accounts deleted immediately.

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 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2018 To CPBP, SUBJECT : Bank of America 's deliberate attempt to delay process of Automatic Full Payment inspite of reaching out several times.

Hello CPBP, I have been approved for XXXX XXXX XXXX XXXX from Bank of America. I have contacted them several times to make sure that the card is paid in full ( automatic full paym

ent ). However, Bank of America has enforced a policy that unless and until " XXXX  '' is not generated, customers can not set up their account to be paid in full. The " XXXX XXXX' generation process has taken several months and upon several requests Bank of America was not willing to set up auto payment over the phone.
They have done so for charging interest My balance was just in range of {$20.00} and they have marked my account with credit reporting agencies as delinquent and in debt collection of for debt of {$1.00} ( for 4 months, total of {$6.00} ).

This has led to cascading effect of high inconvenient and many of my applications being deined resulting in hundreds of dollars of loss..

I have made full payment to Bank of America ( including the interest charge of {$6.00}, today XX/XX/XXXX). They have still NOT obliged my request for auto payment of my card, in case i use the card.

I sincerely, reqest CFPB to investigate this loophole which " Bank of America '' has created to not approve the " XXXX '' process and hence NOT honor any request for auto- payment in full.

thanks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX 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 monetary relief
Consumer complaint received 2018-07-16 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: FL

Complaint narrative:
I have mailed in a dispute to Experian and they continue to ignore my investigation request, and only remove the inquiry. They do not investigate the actual accounts, they ignore the dispute request all together. The following inquiry for XXXX XXXX XXXX was deleted. The account needs to be deleted as well as it does not belong to me. In addition, the following accounts need to be removed as well : These accounts do not belong to me : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Account XXXX. 
3. XXXX XXXX XXXXXXXX XXXX XXXXccount XXXX The payments have never been late on this account : 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 2018-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX  spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo abruptly closed my credit card without any warning and forfeited all rewards accumulated over several months. I was given no opportunity to redeem the rewards after the bank decided to close my accounts. 

I missed to make minimum payment by due to date on the account not due to financial difficulties but due to an ongoing medical issue with a family member that has kept me exceptionally busy for the month and half. Upon learning of the missed payment, I immediately made full payment on all outstanding amount. Prior to this I never had a missed payment with either Wells Fargo or any bank. My XXXX XXXX has been consistently over 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 monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX . 

All this is despite the fact that I have a higher FiCO score and a higher paycheck. 

Literally the only difference between us is that I have an XXXX last name and he has an XXXX one. 

I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ... 

That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc.
State: AL

Complaint narrative:
All I know is I have over 2000 dollars on my credit report and these incompetent ********* are trying to tell me I enrolled in school and went a certain amount of days I most absolutely DID NOT!!! THEY PROVIDED SOME XXXX PAPER WORK THAT ANYONE COULD HAVE FILLED OUT and their reasoning is I supposedly went to this school for 60 something days which I absolutely did not! You have to go to school a number of days to even get the student loan so that's clearly what happened!!!!! Someone impersonated me and the. Dropped put when they got the money!!!! How tf was I going to school in XXXX XXXX when I lived in XXXX at the time?!?!?!?! I WANT THIS TAKEN OFF MY CREDIT BC IT IS FRAUD AND IDENTITY THEFT! I'VE BEEN DEALING WITH THIS SINCE 2010 AND I'M SICK OF IT!!!!! I WANT THIS OFF NOW!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America previously instructed me that I would not be able to close my account over the phone and would need to appear in person or send a written letter to do so. I sent a letter to close my accounts ( checking and savings ) in XXXX ( Around XX/XX/2018 ) and moved all money from my account. I later discovered that the account was charged a service fee which resulted in a transfer from my credit card ( an apparent overdraft protection I didn't realize was in place ). Assuming it would take some time for the letter to be received and closure processed, I went ahead and paid the fee and paid the balance that appeared on the credit card because of the overdraft protection and sent another letter letting them know that the fees should be returned to me and added ( CC 'd ) a copy of the original letter. This occurred approximately 3 weeks after the original letter was sent, I honestly feel it should not have taken that long to close the account. 

Because of work, travel and some family stuff, I didn't get around to checking on my account ( with two letters, I was sure I'd done what I needed to do ). In the meantime, I was charged some minimum interest charge on my credit card, a charge I was not aware of because I didn't use the card for cash advances ( which is seems this unwanted overdraft service was considered ). I wasn't aware of the charge, it appeared about 5 days after I paid the account. 

I was told by the credit card team that I would need to contact the banking side and find out what happened. They also informed me that if the banking side closed the accounts/refunded the fees and determined it was their mistake, that they would go ahead and resolve everything with my credit card ( late fees and a 30-day late payment report to the credit bureaus ). I went through this whole process with the banking ( checking/savings ) side and they agreed it wasn't my mistake and closed the accounts, refunding all fees. They said as much to the credit card side, but that side didn't do as promised. 

My account should have been closed when I requested it. I should never have been charged any fees and my credit card should not have been charged the overdraft protection. There should also have never been a late payment notification on my credit report ( there are no others, my credit report has no other negative information ). Further, the late payment amount was reported incorrectly as {$26.00} when it was only ever the {$1.00}, though I believe this is something that I'll need to work through a different organization with. 

Bank of America has gone back and forth telling me they would fix it and that they wouldn't. I'd planned on applying for a home loan this week, but I need this resolved first.

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 2018-07-16 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: First Federal Credit Control, Inc.
State: WA

Complaint narrative:
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have requested Equifax to remove a medical account from my credit report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I previously had a home equity loan with Wells Fargo when i signed note on XX/XX/XXXX under payments " Payments I make from a qualified account ( " Automatic Payments '' ) pursuant to an Authorization for Automatic Transfer will be credited to my Loan on the date received ( including Saturdays, Sundays, and holidays ) ''. This held true until XX/XX/XXXX when I received a letter with the subject " When automatic payments are scheduled on a weekend or holiday '' The letter stated " What you need to know Previously. If your payment was scheduled on a weekend or holiday, it came out of your account on the next business day. The payment was then backdated to show that it was applied on the weekend or holiday. 
Now. If you payment is scheduled on a weekend or holiday, it'll still come out of your account on the next business day. However the payment won't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards the interest incurred during the weekend or holiday instead of to the principal or other balances... '' I have previously filed a complaint about this and Wells Fargo states that they feel they did not violate the loan as they state " The Mortgage Note requires us to credit your account as of the date your payment is received and we will continue to do that ; however, since we will not be autodrafting payments on weekends and/or holiday there will be no payment to back date as it will be autodrafted the following business day. '' This is not supported by both the Loan Note and the letter that was sent to me dated XX/XX/XXXX. As that letter specifically states previously payment was taken out on the next business day but backdated but now the payment will " still come out on the next business day ... [ but ] wont't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards interest incurred during the weekend or holiday.. 

Wells Fargo has lied about how the letter dated XX/XX/XXXX and the Loan Note are stating payment application and the fact that they can now charge more interest because of the fact they are not backdating payments.

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