vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/ XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/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 2019-08-08 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo XXXX XXXX XXXX  XXXX XXXX MD XXXX has false consumer information on my credit report. I disputed it and they lied and said they certify that the info is correct that my home mortgage was a part of my Bankruptcy when it wasn't. It looks as if i did not pay for my house when i did. I refinanced and then paid for it a year later. It shows on the report that my home was paid with my new lender who paid wells fargo. So how can it be a part of the BK.. They also added false late pays since disputing trying to make my credit bad. I had no lates and i couldn't have been late or i wouldn't have been able to refi.. They refuse to remove the false info.. I need the person doing this removed from wells fargo and the false info on my report removed. No judgement dismissed the debt per their fraudulent notes, wells was paid in full as my records show. I also was not late on payments more than 30 days nor negative like they just added to my file. XXXX  should be ashamed of themselves for allowing wells fargo to do this. They can see the same house was paid in 2017 which was the company i refi with. Please investigate them. They are playing with our lives making us not even be able to rent while having a low score over lies. Shame on wells fargo and the credit bureaus for allowing falae info to be added. I paid my wells fargo dealer loan off also XXXX with no late pays. They are liars and should not be in business if they are going to keep frauding Americans like this.

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: IN

Complaint narrative:
This debt Is the result of identity theft. This case has been dismissed in XXXX County Court on XX/XX/18. I have advised this third party collection agency to cease communication on 2 separate occasions. I continue to get phone calls and emails requesting me to pay a debt that is not owed. I tried to contact this company again today after receiving another email. I was hung up on and aggressively spoke to by several different representatives. When I asked repeatedly to speak to a supervisor, I was hung up on. I am seeking legal representation for the abusive practices and collecting on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NE

Complaint narrative:
Hello, We're working with Caliber home loans. We are 8 months behind on mortgage payments and having been working with them to get account back to good standing. We received a notice to reinstate the mortgage on XX/XX/19and prevent foreclosure they needed payment of {$9500.00} by XX/XX/19. We sent them the payment {$9500.00} by XX/XX/2019. In talking with them today XX/XX/2019they returned payment because it didn't include XX/XX/XXXXpayment. They said to call later today to see what they will decide, we've made the payment to get the account reinstated and avoid foreclosure. We're still working on keeping the account in good standing XX/XX/XXXXgoing forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I just purchased my home XX/XX/2019, and to my knowledge my first payment was due XX/XX/2019. Before XX/XX/XXXXI received a letter in the Mail from Ditech stating they were my new servicer. I called XX/XX/2019 to gain clarity on whether I needed to pay the previous servicer or Ditech. The representative from Ditech informed me on a recorded line that I did not have to pay the previous servicer, she assured me my first payment would be due on XX/XX/2019 and it would be made directly to Ditech. Any payments I wished to make prior would go towards interest and they weren't required. I spoke with her atleast 15 minutes gaining assurance, with my wife as a witness. I also asked her what happens to the XX/XX/XXXX payment, and she assured me there was no payment with Ditech or with the previous servicer to be made. 

Later, I received mail from my previous servicer stating the payment was in fact due and I had to pay them directly. I gave Ditech a call XX/XX/2019 and I spoke with the supervisor concerning what I was advised. She listened to the recordings from the previous representatives and I, she too agreed I was given wrong/misleading information. She stated she did not have authority to give me a credit, grace period to pay Ditech or anything of that nature. All she could do was discipline the worker. Her solution did not have the fact that I was lied to and now things were completely out of order. I requested to file a complain with corporate, the supervisor filed it and gave me the ref. # XXXX. She said I can call anytime to find out the status, otherwise I would be updated from them. 

Today, XX/XX/2019, my wife XXXX XXXX gave Ditech a call regarding a follow up/status on the complaint. Based on what the representative stated, she didn't see anything directly from corporate regarding a response, but her supervisor informed her we could not skip a payment or push it to the end of the loan. The representative also said we'd have to send in a statement asking if corporate sent correspondence in. We weren't informed that this is how Ditech processes complaints, so here we are looking for a solution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am missing up-to-date credit information from use of my XXXX XXXX credit card at the three major credit reporting agencies. This can be seen in Complaint ID numbers XXXX, XXXX, and XXXX. In summary, when I call all three agencies they say they only report what XXXX XXXX sends them and that is the issue, they do not have the complete information. When I called XXXX XXXX to ask them why this is the case. They say I need to go back to the credit agencies because they have sent them up-to-date information and they are not reporting it correctly. I am now left with severely falling credit scores as a result and having no clue what to do next. I have made all my payments on time and for the total amount due in all cases. I need help as one party is not telling the truth and I am caught in the middle.

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
i received a phone under caller id XXXX collection and i called the number listed XXXX XXXX XXXX and certain dynamic solution looking for my name XXXX XXXX then i called XXXX credit XXXX XXXX XXXX XXXX and was told that there was someone fraudulently used their name as caller id and as far as im concern my credit is in good standing would like to report some fraudulent activities about the concern company using others caller id to scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a XXXX 's Card that is managed by Capital One. I do not use the card frequently and have signed up for alerts when I have a balance and as a due date approaches. I did not realize that I had a balance on my card and it was due on XX/XX/XXXX. 

I received a call on Saturday, XX/XX/XXXX from Capital One at XXXX pm. I was unable to take the call. 
I received a call on Sunday, XX/XX/XXXX from Capital One at XXXX XXXX. I was unable to take the call, however I did listen to the voicemail on Monday morning. After listening to the voicemail, I concluded that I must have overlooked a balance on my XXXX 's card and immediately logged onto the XXXX XXXX XXXX and paid the balance of the card in full. I also contacted Capital One and indicated that the card had been paid through the website. 

One Tuesday, I received a call at XXXX and again I indicated that I had paid the bill and to not call me again. I received another collection call at XXXX at which time I indicated that I am being harassed and the person on the phone agreed. Subsequent to that phone call I cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding LLC sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
I have been having an on-going problem with Equifax. This sub-standard company is violating Federal Law at will and does not care about customer service, proper conducting of investigations and continually reporting false information and undocumented information in violation of law. I had an ID theft ( prior  complaint filed XX/XX/19 ) back in XXXX of last year. ALL other credit bureaus removed the false accounts but not Equifax. They have been supplied with ALL documentation yet they keep reporting this account : XXXX XXXX and XXXX on my report. There is no reason to continue reporting this false information. I am really shocked a company like Equifax would do this. I have been denied employment as a result of this false information and I fully intent to sue them for damages if they do not remove this. Please help. Hold them accountable for this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Received an email threatening legal action about a payloan I never received. 

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXXXXXX XXXX  To : XXXX XXXX XXXX Subject : Immediate Attention Required ( Lawsuit ) Importance : High This is the final notification regarding your loan account with XXXX  XXXX XXXX. 
Loan Account # XXXX Due Amount- {$1000.00} Settlement Amount- {$500.00} ( Till XX/XX/2019 ) We already contact you several times regarding your unpaid loan account but failed to receive any response from your side. 
As of now, we are ready to file a lawsuit against you and report this to major credit bureaus and also inform IRS regarding this lawsuit. 
You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 
2. Your credit will be ruined. 
3. Your wages can be garnished. 
4. Your bank accounts/credit cards will immediately freeze. 
5. IRS will put a hold on your Tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX, XXXX XXXX, Ga XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I switched home TV/Phone/wireless service from XXXX to XXXX in XXXX of XXXX. XXXX produced a bill saying that I had a past due amount. This was incorrect as they bill a month in advance and I had cancelled their service and returned their equipment. I received a letter and calls from Southwest Credit regarding the same amount of past due ( {$270.00} ). In speaking with XXXX, they acknowledge the bill is in error ( too high ) but that they can't correct this until the next billing cycle ( XX/XX/XXXX ) ... .yet Southwest Credit will not stop their debt collection activities. Crazy ... .I know XXXX is a bad customer service company but even they can't tell me the actual amount owed ( only that it's less than their bill ). What's a consumer to do?? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have agreed with American express on payment plan, and we agreed that they withdraw the monies automatically from my bank account ( auto withdrawal ), I have already made 10 payments out of 12 agreed payment agreed upon ( agreed to pay all by XXXX 2019 ), then they send it to collection agency for FULL amount, the original agreements was still in-force and they should have not send it o collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my Experian credit report is incorrect. I was told to contact Experian directly and if corrected they can revisit my application. I tried to call Experian XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My XXXX and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from Experian was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit

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 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I submitted case # XXXX to the CFPB regarding illegal actions Discover Card has engaged in regarding a dispute on my account. The response from Discover Card was false and fraudulent and did not address the full complaint. I have now requested the information for the Agent For Service of Process 7 times from employees in the Executive Offices at Discover card and have been refused a response. Discover card seems to think they are above the law in this case and needs to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
1. On XX/XX/XXXX members of our non-profit organization went to Capital One ( XXXX XXXX XXXX location ), only to find a " For Sale '' sign on the building. ( We were not notified of this closure ), We were trying to add the name of our new Treasurer to the existing account. ( Since 2003 ) 2. Since this is supposed to be a National Bank,  we went to Capital One ( XXXX XXXX location ), only to get delay after delay. We had all of the necessary identification and documents to add a name to our account. 
*However, we were informed that we would have to start a new account, because they couldn't find our account,. 
*They didn't know where our account was transferred, since the XXXX Branch was closed. 
*They didn't know how to locate our existing account. They sent us to the Louisiana Secretary of State, IRS, ect. 
*They were so incompetent, with so many conflicting ideas. 
*This is totally unacceptable. 
3. As of today, we still have not been able to simply add our treasurer 's name as an authorized signature for our existing account. 
4. I dont know how the Corporate Office of Capital One operates and conducts business, but this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
I settled on my construction loan with XXXX XXXX XXXX in late XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX I received a letter from BSI Financial Services requesting proof of hazard insurance on my owner occupied home.This is a construction loan and property is vacant. The appropriate insurances were in place at time of settlement and these documents are in the loan file. I called BSI and was told that they do not get my loan documentation when it is transferred and that it is standard practice for BSI to call the borrower and request insurance or place forced coverage. This was told to me by XXXX XXXX Employee # XXXX. I have placed several calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been put on hold, sent to voicemail and disconnected. I am told that they will look for my loan documentation but never get a return call with status. The proper insurance overages were in place at time of settlement. I have uploaded my insurance policy to their website and gotten confirmation but they tell me they dont have it. 
I am concerned about their record keeping and lack of inter-company communication. As of right now I still do not have resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I had Fraud on my HSBC checking account. Several unauthorized ATM transactions were made on my account using my PIN. Now, prior to that, I had received several phone calls from people claiming to have been HSBC. I'm a XXXX  veteran receiving XXXX compensation from VA. Literally the day, my VA XXXX check which was being direct deposited into HSBC, hit, just under {$600.00} of unauthorized ATM transactions hit my account. When I brought it to the banks attention, they stated that the transactions, however fraudulent, still put me over the daily ATM withdrawal limit for my relationship w them. I temporarily did not have access to my money, as it was past normal business hours for me to be able to go to a teller. I was ultimately able to go to the tellers the next day and use my other bank accounts/ credit card for transactions. But I feel like my accounts were spied on by the fraudster, as they knew exactly when my money hit this account, as well as I was told by the bank I was unable to access my money, fraud or not. I think HSBC, has an inability to safeguard their " Premier '' account holders information and do not recommend banking with them in the United States.

Company response to consumer: Closed with explanation