vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
I asked the company to verify the debt but I've only received personal I formation without my signature meaning it could have been stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
Green Tree Servicing lost all my personal papers when switching over to ditech receiving harassing phone calls starting at XXXX XXXX. to XXXX tried to call them back they would give me the runaround transfer me tried to say I was behind on a payment I have reference numbers to prove I wasn't found out my money was in lingo they serve me papers 4 court the paper said I was served was not for me they were for somebody else I've got their personal loan information different name wasn't even my name they makes my lawn up with somebody else 's loan I've called several times they said they can't explain it I said I need it fixed now they're trying to put me in foreclosure with somebody else 's stuff

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: MO

Complaint narrative:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on 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 2018-04-24 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: MO

Complaint narrative:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. 

See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
29.94 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2800.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. 

Security : Your Payment Authorization as set forth in Section 3 ( b ) of  this Note secures repayment. 

Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. 

Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, 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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was really young, I believe just turned XXXX. My Dad took me to get a credit card with a {$500.00} limit, he ended up using it and defaulting on it without me knowing. I was in another state when my parents split. I am now XXXX and ready to start properly using credit cards, I even took a course on using them properly. I was told to come to this website to get that account wiped off my credit report. I really want to start with a clean slate so that I can truly build my future and relationships with the banks. I have since then built a multiple six figure business that is pushing out XXXX in expenses a month. I can be earning points with this but I am not because of my Dad 's ill minded mistake 5 years ago. Just now found out. 

XXXX XXXX, XXXX ( 4 yrs, 7 mos ) Was when the card was opened and {$800.00} was used until XX/XX/XXXX and this was with Wells Fargo. 

Please help me remove this so I can start fresh. Thanks!

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 2018-04-24 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: CA

Complaint narrative:
Trans Union did not verify the XXXX XXXX account # XXXX on my credit report, after I sent them four certified letters.

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this is my second dispute I am up to date on my payments & even paid more than I owe monthly I am on good track record & got very damaging information on my credit report late payments & I'm am not in agreement with this credit reporting company they have no right to damage my credit with these aligations! the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report. show me proof that I am in agreement with you credit Bureau with my signature if you can't provide me with that than you have to take the late allegations all allegations off my report unless u provide me with proof that I'm in agreement with you show me my signature & agreement with you? you said that you were going to talk to the sources this has nuttin to do with anybody but you you have to provide me with legal documentation & signature

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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: KY

Complaint narrative:
I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accudata Credit Systems LLC
State: OR

Complaint narrative:
In accordance, under subsection 809, section 1692g of the FDCPA guidelines : collectors are required to send a " dunning letter '' ... or notice of debt to a consumer & make certain that they receive it, & /or initial phone calls for first contact to obtain a valid mailing address. I should have been provided with at least the basic information such as the original creditor, the original debt amounts and notice that I had 30 days to ask for validation of the debt BEFORE this collection was ever reported to my credit. I have never received this from your company. I was also never given the chance to exercise my right under FDCPA to have this debt validated or disputed. Instead my credit has been hit by XXXX XXXX stating that they were assigned to me by a creditor to collect two sums. One being for a total of {$180.00}, the other {$50.00}. After checking my credit reports, i seen these discrepancies & tried to correct them I sent via cert mail on XX/XX/2018 after speaking to you to aqcuire my full account numbers for reference & to state I Never received Any notices of said debt ( s ) from their company by mail & no phone calls ... 
This is illegal since I didn't get this option due to lack of effort on your behalf to hold up your legal obligation of notifying me of said debts you believed to be mine that you bought from the original creditor! Under FDCPA rules there are guidelines that all collectors have to follow to collect a debt and XXXX XXXX has failed to do so in collecting proper forms of contact for me & reporting this as a debt that's supposedly owed by me, to the credit bureaus.

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 2018-04-24 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: MO

Complaint narrative:
After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of Equifax breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Thank u cfpb for ur excellent work without cfpb financial institution will XXXX off the consumers and sadly and disgustingly this administration is doing only that which is allowing the financial industry to go back to cheating and XXXX off government and tax payers for their benefit please dont allow XXXX to distroy what president obama and XXXX XXXX did. 


Now my issues in a month of XXXX and XXXX I made purchase and return and some extra return so those extra returns should offset the remaining balance I have all of my recept and it doesnt make any sense why I still have a balance of {$26.00} I tryed the customer service but as usual the way they calculate is only to their benefit and i have to pay this so when I disagree they keep repeat what is in the statement so the represanative wasnt willing to listen to me kept cutting me off and just repeat the statements so I wasnt getting anything from her I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was predatory serviced against, predatory lended against and uncovered money laundering, bank fraud, mortgage fraud. Bank servicers I uncovered later had falsified information on where down payment on property came from. Not from a FHA gift letter. As they said in paperwork on closing. Came from a mortgage loan on another property not connected and funds were then wire transferred from bank to bank and coming back into same bank it originated from. This originated in XXXX to XXXX. When XXXX was going thru a bank acquisition of XXXX XXXX XXXX. And used XXXX XXXX XXXX   papers during purchase. The bank got mortgage back securities from XXXX XXXX and XXXX XXXX as collateral on a falsified note. Title company records from XXXX XXXX XXXX XXXX has loan paperwork. County records can prove that other things took place. Lien deeds put on said property by perpetrator of fruad involvement prior to being hired at bank as a mortgage servicer. And another hired that was family related also involved in the fraud and mortgage predatory servicing.

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 2018-04-24 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: MO

Complaint narrative:
After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of XXXX  breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and 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 2018-04-24 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: KY

Complaint narrative:
I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.

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 2018-04-24 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: KY

Complaint narrative:
I am an additional SHINee on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.

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 2018-04-24 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

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 2018-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.

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