vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
XXXX XXXX  has created an extreme amount of stress in my life and are attempting to kick me out of my home. The received my loan via a loan transfer from XXXX in XXXX of XXXX. Prior to my loan being transferred to XXXX, XXXX gave me a modification in XXXX of XXXX. The modification deferred 30 % of my principal and gave me a 4.25 % interest rate. I was to make three payments and then XXXX was going to give me a permanent modification. However, after I made my first two modification payments for XXXX and XXXX on XX/XX/XXXX and XXXX XXXX respectively, my loan was transferred to XXXX on XX/XX/XXXX. I was not advised of the loan transfer and attempted to make my final modification trial payment due XX/XX/XXXX on XX/XX/XXXX to XXXX, but they advised me that the loan was transferred to XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to make my final trial payment, but their representatives wouldnt take my payments because they advised that the loan hadnt transferred yet. XXXX  wouldnt take payments and I convinced XXXX to accepted the last trial payment at the end of XXXX of XXXX. Then XXXX sent me a letter and wanted me to make three more payments and offered her 6.375 % for the balance of the loan. XXXX said that the old modification fell through because I didnt make the last trial payment!!! I have tried multiple times to get XXXX  to fix this, but I am getting shut out and I see that ultimately I will lose my home through foreclosure. XXXX has set a sale date of XX/XX/XXXX on my property. I dont know what to do and am so frustrated and afraid that I will to lose my home. It is shocking that XXXX has done this to meand probably others. I am an elderly woman and there is no way I am going to let XXXX get away with this and take my home away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recieved this response from CFPB. 

I believe there is s cover up and it is full of lies ... XX/XX/XXXX, Tuesday. 


Info : CFPB XXXX XXXX XXXX XXXX. ( B ) wbd Checking account Managing an account Bank of America XX/XX/XXXX Closed Other I would like legal representation with FDIC XXXX law firm, for pirated, hacked, ID Theft, Identity Theft, and Intellectual Identity Theft, credentials. 

Bank of America. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX prepaid card, with XXXX and XXXX XXXX checking account, with XXXX, XXXX XXXX XXXX   XXXX, downtown XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX   XXXX XXXX XXXX, XXXX, online, all sending mail to my address at XXXX XXXX XXXX, La XXXX, CA XXXX. 

It is possible to subpoena XXXX XXXX, age XXXX, my uncle, of XXXX XXXX at XXXX XXXX XXXX XXXX of XXXX, and Michigan, 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 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: VA

Complaint narrative:
This company calls multiple times per day : " XXXX XXXX '' or something similar, in XXXX XXXX, Va. The person at this number does not owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I sent two certified letter to XXXX asking for information regarding the alleged debt since I KNOW I never paid anything to them. They have two accounts listed on my credit report as collection accounts paid, when I never paid them anything. They have failed to provide me any information at all regarding these alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CT

Complaint narrative:
On XX/XX/XXXX I filed a complaint with Equifax about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IN

Complaint narrative:
The Phantom Debt Collector Scheme is what happened. The ordeal started in XXXX, and has caused severe consumer injury. In fact the mishap cost me my career. I am still in the process of gathering all the details. I do have the original  contracts, bank  statements, and L.E.S. statements show how finances were deducted. By the time I realized what was happening it was to late to fix from my geographical location. The criminals tried to frame me for the crimes committed against myself and the United States-XXXX. I was put into a XXXX status for 4 months in XXXX XXXX, and found out that I was XXXX. 
Pioneer Service " XXXX '' XX/XX/XXXX : - {XXXX} XX/XX/XXXX : - {$XXXX} XXXX - {XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XX/XX/XXXX : - {$XXXX} XX/XX/XXXX - {$XXXX} XX/XX/XXXX to XXXX XX/XX/XXXX=- {$XXXX} loss of remainder of sign on bonus : - {$XXXX} Total loss : - {$XXXX}  ( Loss of XXXX Career priceless ) I was XXXX  on XX/XX/XXXX. I have tried to fix this ever since. Each time my technology gets hacked or broken and the process ends. In XXXX the Veterans Affairs awarded me XXXX for the XXXX associated with being XXXX  from my career prematurely. Also in XXXX 7 days later in another state the FTC  was shutting down the Phantom Debt Collectors that had harassed me since XXXX 's first  payday loan. Each debt seemingly went into several collections agencies that were connected to military debts. ( Pioneer Services  & XXXX ) XXXX XXXX loan discharged XX/XX/XXXX + {$XXXX} I have receipts for phantom debts that I have paid that were not actual debts. Total loss is still being calculated. It should not be this hard to get something cleared up, and/or this long to be addressed with the consumer that has been/is being targeted by aggressive criminals-debt collectors. 

XX/XX/XXXX The Phantom Calls began again triggering me to discover new evidence solving an 11 year old mystery for me. What really happened in XXXX, XXXX during XXXX was very damaging to our missions. I'm still working all the issues out. Per my calculations the Phantom Debt Scheme has stolen thousands of dollars from me then dismantled me financially, and threatened to imprison me if I ever told anyone. Here it is 11 years later, and I finally understand what happened. I was targeted by highly skilled professionals, victim, framed for crime, and someone went to extreme measures to cover it up. 


XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: PA

Complaint narrative:
THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I filed a complaint with Transunion about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well. 

I also attached the certified mail receipts from when they signed for each of the letters referenced above.

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 2019-04-02 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.

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 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I transferred Scammed XXXX XXXX XXXX XXXX DL is XXXX XXXX money through XXXX. who said I have a XXXX House In XXXX. I used Bank Of America, he used XXXX XXXX. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details, I wasnt that concerned with it. I send {$800.00} for Deposit on XX/XX/2019 and asked me have of rent {$420.00} and send on XX/XX/2019 .The transfer went through. He called me about 3 days later to confirm he received the money and said he was send by mail the house keys the property address XXXX XXXX XXXX XXXX XXXX AZ XXXX, I didnt received any keys and I called him back, he answered right away and said just wait for 2 days. 
Of course, then the scammer disappeared. His phone was turned off ; he never responded to any emails. He was gone. 
My bank, Bank Of America, were not able or willing to do anything after I was scammed, I think The XXXX is Mother of Scammer and Bank Of America is Grand Father for the people scam the customer. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: PA

Complaint narrative:
THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS

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 2019-04-02 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: PA

Complaint narrative:
THEY UPDATED SOME OF THE WRONG INFO REPORTING BUT NOT ALL I'VE SENT SO MANY LETTERS JUST FOUND OUT ABOUT THE CFPB SITE SO NOW IM TAKING THIS APPROACH. MY NAME IS INCORRECT THEY HAVE THE WRONG SOCIAL # ON FILE AND ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
End XX/XX/2017 XXXX  XXXX contract woman. I handed her XXXX. Then she showed me contract. First thing was ... you see this..this means I have to be nice to you. XXXX XXXX was with me and began recording the way she talked condescending to me. Contract woman refused to give me back my XXXX which was 6 months back pay of XXXX I'd given her telling me I could walk out XXXX lighter or sign for and buy truck. XXXX XXXX took full advantage of me, XXXX on medication. It was robbery and they refused to take it back because they had me coming back and forth and not doing what they said they'd do. XXXX down disappeared because selling price for XXXX XXXX  XXXX on contract was original XXXX. They added stuff I didn't want and she said too bad because its all been added. American acceptance charging 24.99 % interest. I've paid over XXXX but yet payoff is over XXXX .... 
They gave me no choice so I was stuck with no one to defend me. I just now found out who all to complain to! My health isn't good so I'm down more than up ... time passes me by. It was a crooked criminal deal and I was forced because she refused to give my XXXX is just handed her a few minutes earlier back. The only resolution would be to call the XXXX plus as paid in full. Or call it paid and buy back from me for XXXX or just a fair remedy for resolution from the humiliation of the treatment the way it was forced on me and telling me sign or walk away XXXX lighter. I want them both held accountable!! XXXX XXXX XXXX and American Credit Acceptance. I've got contract that I can send. There should also be federal laws regarding this criminal act against XXXX XXXX   XXXX person plus they especially she were discriminating against myself and my young friend from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: AZ

Complaint narrative:
The interest is actually not even calculated in APR ( which they advertise only on their contract at 780 % ). Biweekly and interest finances charges on the loan are excess of 20 % to 40 % of principle. Even paying the loan within two month would essential cost double of the principle. Of the initial payments of 300 dollars, pennies on the dollar are applied toward principle. The lender is compounding interest daily, assessing finance charges above lawful pay day lending limits, and is otherwise using predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2019, I ordered my annual credit report by phone. This was after one year since my last year Equifax credit report was received, which was also not sent upon request through the annual credit report request process.

Equifax has now for years refused to send my annual credit report and the only reason I have received any of them from Equifax is because of my ongoing annual complaints filed with the CFPB.

I am once again this year requesting the CFPB to assist me in receiving my free annual credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX Account XXXX. XXXX I recently pulled my credit report and discovered that my mortgage account with XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX, they claim it is being reported accurately. However, when you look at my credit reports, the XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the XXXX account is showing the account as delinquent when it is not. 

I am requesting that XXXX delete the remarks on my credit report 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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I filed a dispute with the credit bureaus regarding an account with Waypoint Resource Group. They responded that the debt was verifiable. On XX/XX/2019 I sent out a letter requesting Waypoint Resource Group to provide me with Validation of the debt according to the FDCPA. ( USPS Tracking XXXX XXXX XXXX XXXX XXXX ) As of today, I have not received a response. The debt is still reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I paid my account every month on time online. But one month i got notice 30 days later that they never received my payment. I had a 30 day late pay put on my report by no fault of my own. I've tried to correct the issue with the company since i believe that it was their website that was the problem as I've never been late before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: OR

Complaint narrative:
XXXX XXXX is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.

Company response to consumer: Closed with explanation