vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I have submitted several letters to XXXX  showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX  and XXXX have deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: OR

Complaint narrative:
A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX  and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX  {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - XXXX REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

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 2019-03-20 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: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX  XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Credit Karma, LLC
State: NV

Complaint narrative:
I recently, got an alert of a hard inquiry that I never authorized. 
1. ) XXXX/XXXX XXXX National Credit Cards/Airlines ( XX/XX/2019 ) I called XXXX/XXXX XXXX corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that National Credit Cards Airlines dont exist in their company. The representative informed me that credit karma was at fault for the miss information. I was advised to contact credit karma to sort out the miss information from their database. I emailed credit karma but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX credit bureau, unless XXXX/XXXX XXXX directly sends a dispute on my behave. I remind you XXXX/XXXX XXXX   doesnt have my information because I never applied and they dont provide National credit cards Airlines because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX  - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX  {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: WI

Complaint narrative:
XXXX XXXX XXXX has filed 3 corrections to Experian regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX Experian claims XXXX confirmed the report of 30 days late. XXXX claims what Experian claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.

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 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
WESTERN UNION HAS FAILED TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL FRAUD INDUCED WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX. THEY IGNORED ALL MY COMPLIANTS BY CFPB AND ALL ATTORNEY GENERAL S OFFICE TO WHOM STATED I NEED ALL RECORDS ASAP SO I CAN FILE CLAIMS AT WETERNUNIONREMISSION.COM, BEFORE ITS TO LATE, DEADLINE ARE FAST APPROACHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen Loan Services has filed 3 corrections to XXXX regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XXXX  claims Ocwen confirmed the report of 30 days late. Ocwen claims what XXXX claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
Back on XX/XX/XXXX I received a letter from Hunter Warfield about a debt that was not owed by me. I advised them that my daughter rented an apartment and put me on as a cosigner. I told them before that this was not authorized. They continued to harass me until I asked them to validate the debt. They never sent the validation so the ended up having the debt deleted from my credit. NowXX/XX/XXXX they call me again and ask me to send proof that it not my debt but ask me to fax the info.i was at work so I didnt have with me but intended to send them the actual rent contract that they sent the week prior without my signature not anywhere on the agreement. Then XX/XX/XXXX they have this collection on my credit file. I want this removed and feel that they did not handle this properly and I want it fixed so that they cant do this again. This is my second complaint for this same situation.it was also reported to XXXX in XXXX Fl

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I have been doing business with XXXX XXXX XXXX for several years and never had a problem until 9 months ago. I have a couple of Bank Accounts listed to pay a credit card I have with them and everytime I pay them they state it has been returned for no ACH funds. I pay over 20 bills per month all the time with no problem but this company will not take money from my account and keep charging me for returned funds. They also will not call me and I have asked several times. 
I spoke with someone 4 months ago but the problem they stated was fixed but it is not. 
I work with XXXX and this is hurting my credit because of this nonsense. They are committing some type of fraud by saying they can not collect funds, but all my bills are paid every month. I may lose my clearance if I can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was referred to apply for my Amex Everyday card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. Also, their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sold my credit account to XXXX XXXX and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
On approximately XX/XX/XXXX, I received an Escrow Analysis that had shown we had a escrow shortage of {$1300.00}. When reviewing the Analysis it was noticed that the shortage was due to property taxes being disbursed outside of the terms in which the escrow account was originally set up. Originally my mortgage was set up with property tax disbursements to happen XX/XX/XXXX and XX/XX/XXXX. When my mortgage was transferred to Flagstar in XX/XX/XXXX from XXXX the escrow was set up correctly, which is evidenced by the XXXX escrow analysis from XX/XX/XXXX. When XXXX received my mortgage transfer from XXXX they altered the escrow disbursement date and paid the entire property tax bill in full in XX/XX/XXXX. By Flagstar making this change on their own it caused my escrow account to be short, which in turn is causing me to either pay Flagstar the shortage amount or have my mortgage payment increased over $ XXXX/mon. On XX/XX/XXXX I contacted Flagstar 's Escrow department and spoke with XXXX regarding the above referenced issue on my escrow account. XXXX put in a request to have a new escrow analysis completed as a rush, which he said would take 3-5 business days. On XX/XX/XXXX we checked account on the Flagstar website and a new escrow analysis was completed. This time with the updated escrow analysis showed the correct disbursement dates of XX/XX/XXXX and XX/XX/XXXX along with now and escrow overage. I also noticed on the new analysis that Flagstar was showing an HOI disbursement in XX/XX/XXXX for over {$3000.00}. My HOI is approximately $ XXXX/yr. I subsequently called Flagstar about the analysis on XX/XX/XXXX to inquiry about this issue and attempted to review the XX/XX/XXXX analysis with a representative from the Flagstar escrow department. I reached the same agent XXXX as I did back on XX/XX/XXXX and XXXX first was able to tell me that the {$3000.00} HOI disbursment was to Integrity insurance, which is my insurance company, but they have no record of receive any such payment from Flagstar. Upon additional questioning, XXXX stated that he could see the escrow analysis was in fact completed on XX/XX/XXXX, but was not available in any of the three systems that he was able to check and couldn't tell me what happened to that analysis. I had another expedited request opened, but he wasn't able to transfer me to a supervisor and could only put in another request. XXXX did verify that he was able to see the original loan documentation that showed the property tax disbursements were to be XX/XX/XXXX & XX/XX/XXXX for each calendar year and also saw that is how the escrow account was set up at XXXX prior to the transfer to Flagstar. I simply want Flagstar to correct my escrow disbursements to the correct date and adjust any account balance difference caused by the malpractice.

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 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I have been disputing this debt for years. This is from a dental bill which my original dentist was part of a preferred provider great. His practice was sold to another dentist and the charges skyrocketed. I asked for a detailed accounting of all charges and payments from the dentist and the collection company and they would never provide it to me. I kept telling them I was being overcharged so I left that dentist. The charges originally were supposedly {$700.00} but I could never get an accounting so I could compare what was paid and allowed by my insurance company. There seems to be no oversight on the collection agency and have reported negatively to all credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX sold my credit account to midland funding and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX  Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
It Started on XX/XX/2018 ; When the initially on signing VA mortgage loan note from Freedom Mortgage Company taken ownership to a real estate property in the area that I am now residing, until XX/XX/2018, When I asked my insurance company that I asked to have my statement to send to me personally, in XX/XX/2018, this company, named XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00}. This caused a mess in all the situation. but first it was the Mortgage Co. At first the mortgage stated, " that I had to come up with the first installment to my home owners insurance., In which I signed a paper stating that the mortgage company had to pay to them.

All Said and done lost my discount price to the home owners insurance from {$22.00} to over {$59.00}. 
.

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