vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.

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 2020-01-27 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: AR

Complaint narrative:
I went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: AFNI INC.
State: CA

Complaint narrative:
Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: ERC
State: CA

Complaint narrative:
Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union has failed to delete unauthorized inquires on my credit report. 

The dates are listed : XXXX XX/XX/2019, please remove. 
XXXX XXXX XXXX XX/XX/2019, please remove XXXX XXXX Inquiry XX/XX/2019 is valid. 

XXXX XXXX  there are duplicate Inquires on XX/XX/2019 and XX/XX/2019. Please remove.

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 2020-01-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks  trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion.

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 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have been trying to resolve issues with this company named NationalCredit Adjusters I hereby dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY

Complaint narrative:
There is a collection item on my credit report. 
I have tracked down the collection atatormey. For the past month I have asked them to provide detail and proof of what I owe if I owe and they say they will mail it. 
I still have not recived any information and on the last call the attorney hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
H & R Accounts located in Illinois and Iowa are refusing to take my paid debt off my credit report. I disputed it with credit reporting agency and H & R is  still refusing to take it off. When I call asking if I owe I am told that I do not. When I ask why the account is still on my credit report I was told that they did not have to remove it due to being medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I became a XXXX percent XXXX veteran meaning I no longer have to pay property taxes which was effective XX/XX/XXXX. On XX/XX/XXXX I call PHH Mortgage and request my taxes be removed. Which I verified thru customer service it was processed on XX/XX/XXXX. On XX/XX/XXXX, I again email a qualified written request on the bank 's written form to request my Tax escrow be closed and my refund be sent to me. On XX/XX/XXXX I call back and found that they said they updated the system but had already paid the full amount of the Taxes. They stated they would start an inquire to locate the overpaid funds. On XX/XX/XXXX, I again contacted PPH and they told me they open a another inquire with no additional information. On XX/XX/XXXX I called again, and they told me the inquire is still open and it will take 4-6 weeks from XX/XX/XXXX, XXXX. at this point I believe PHH is in violation of 12 CFR 1026.34 for escrow refunds and for error resolution. Nothing about how they responded to a qualified request is timely nor is the length of time for refunds considered timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I received a credit alert of new collection debt on my credit report XX/XX/2020. I immediately attempted to dispute the item because I have never received any notices to pay or know how the balance is what it is. I requested a investigation with all 3 credit bureaus to get more information on this account through Ad Adstra Recovery XXXX XXXX XXXX. 
Instead of receiving information from the collection agency I was served with a lawsuit from XXXX XXXX directly without any type of response regarding verification of debt. They are threatening to garnish my wages in a civil judgement now because I asked about the validity of the balance owed. They have not given me any opportunity or notices prior to serving this notice. It has only appeared on my credit for 30 days prior to lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NC

Complaint narrative:
I am a victim of identity theft

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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On XXXX a debt collector : XXXX XXXX Commercial Account Specialist Hillcrest, Davidson & Associates L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ext. XXXX Direct XXXX Office XXXX Fax www.hillcrestdavidson.com Started texting me threating to subpoena myself and my ex-wife over a debt I have no knowledge of from a company associated to me previous to my divorce. After harassing text the calls started. Over and over again i was contacted even after I asked the debt collector to stop contacting me. Then over and over the debt collector contacted me using my address book to generate call from numbers I know but actually the debt collector was pretending to me my Mother and others in my contact book. I recorded all the calls, texts and false numbers. I have an app that shows where the real call is being generated and even though the number show people in my contact they all come from that debt collector. I have filed a police report and hired an attorney but the debt collector refuses to stop communicating, falsely impersonating my contacts and threating to call my friends and family to quote " tell them im a degenerate '' and other terrible things. I have recorded audio, images and video proof of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2019 I discovered that my XXXX cell phone CIM card had been swapped without my knowledge. This enabled thieves to have access to my phone and banking information. 

The same day, the thieves went to two separate branches of Bank of America and were able to make over-the-counter withdrawals of {$2500.00} from my savings and two withdrawals from joint checking in the amounts of {$4500.00} and {$6300.00} for a grand total of {$13000.00}. These fraudulent transactions were reported the next day to Bank of America and a police report with the City of XXXX was also filed. 

Over the last seven weeks, I have received no communication from Bank of America either by phone, email, or letter. I still do not have any documentary acknowledgement of the claims from Bank of America. 

After having spend 47 minutes on hold in order to speak to a member of the fraud department, I was informed that we were only on day 36 of a 90 working day process to investigate my claim and resolve it. ( My understanding is that federal regulations require these items be resolved in 60 calendar days. ) Additionally, I complained to a supervisor in the fraud department and was given no estimates or  assurances of when my funds would be returned and was fobbed off by the excuse that BOA has to work the claims backlog in order and that they were very busy. 

The amount of time to resolve this issue and return my funds is excessive and I am beginning to suspect that this slow-playing of legitimate claims by customers may be intentional on the part of the bank.

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XX/XX/2019, I applied for and was approved for the HSBC Gold Mastercard. I was sent and received the card, but HSBC closed it in XX/XX/2019, because they stated they tried contacting me, to confirm I opened the account. I spoke with the fraud security team, because they were the ones who closed my account. They sent me an e-mail, asking me to reply back with a picture of my license, for verification to reopen my account. I e-mailed a picture of my license immediately. I called again and they said they were reopening my account and sending out a new credit card. I never received it. I consistently kept calling and getting the same response. " We sent a message to the onshore team, they are responsible for sending out another card ''. I even spoke with XXXX in the HSBC XXXX branch, in XX/XX/2019. She called HSBC offshore team herself and they said they mailed a new card to me back in XXXX. She called again and got an e-mail in mid XXXX. The Onshore team stated they are sending in the new card via XXXX XXXX. I never received it. I am now back to calling every day with fake promises of call backs from managers, or hearing " We sent a message to the onshore team, they are responsible for sending out another card and we haven't heard anything from the team ''. I call almost every day and get these responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview has sent me notices with 3 different addresses to send payment to and has not been posting my mortgage payments in a timely manner. I send my payment at the end of each month with tracking so I know when they are received. Bayview sends incorrect correspondence and statements and falsely claimed my loan was in default. Bayview changed the payment address twice then a month later changed servicer. I requested in writing that Bayview correct their mistake to show my account is current prior to transferring to the new servicer, Bayview did not reply or issue a correct invoice. I mailed a {$2900.00} payment overnight today including my XX/XX/2020 overnight XX/XX/2020 USPS tracking number # XXXX to Bayview and Bayview was notified via email so it should be posted prior to transferring loan to new servicer as current by XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed several complaints concerning this issue with Wells Fargo. In XXXX they were cross selling unwanted and unneeded insurance policies. Even after they were supplied with all the information and documents needed to prove that they were not allowed to force sell these products, they reapportioned my mortgage payments to these products and attempted to foreclose. I hired an attorney, Mr. XXXX, and we sued Wells Fargo. After many years, Wells Fargo settled with a check of {$15000.00} and a promise to clean up my mortgage account by removing their reapportioned payments, fines, and fees, etc. 

After paying the {$15000.00} and agreeing to clean up my account, Wells Fargo proceeded to ignore cleaning up my account, even after my attorney graciously gave them every opportunity to do so, before he filed for a breach of contract, a year later. It has been another 2 years or more since the settlement. Wells Fargo has agreed that they did not clean up the account, and that they have been in breach of our contract for more than 2 years, but they have arrogantly ignored the breach of contract suit. 
Wells Fargo has kept my husband and me in financial limbo since XXXX! We can not refinance higher interest mortgages, we can not finance a commercial interest we started in XXXX, and indeed they have handicapped my ability to pay my student loans. 
Please demand that Wells Fargo settle their breach of contract debt and clean up my account, so that I have the financial choices that I should have with a XXXX+ credit score. 
Additionally, I am also a XXXX XXXX with XXXX hives. In the winter, when flowers are not easily found, bees often start robbing each other. I took some powdered sugar and blew it over the entrance of one hive that was being robbed out. Then I watched for the hives to where all the bees with stolen honey returned, each blanketed in powdered sugar. ALL OF THE ROBBER BEES RETURNED TO THE LARGEST HIVE! I shared this story with other XXXX 's and learned that it is common, because only the largest hive can afford the loss of bees, that robbing generates. An entire beeyard can be utterly decimated by this robbing behavior. There is only one thing that will fix it. The big hive must be broken up into smaller hives. I hope you can gleen some banking wisdom from this story. 

Wells Fargo must settle their breach of contract with me, and force them clean up my account at the same time. 

Wells Fargo must be broken into smaller banks so that others are protected from their robbing practices.

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 2020-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO 800 LOAN MART INFORMING THEM THAT THE ACCOUNT THEY HAVE UNDER MY INFORMATION IS FRAUDULENT AND NOT MINE. THEY HAVE ASKED FOR DOCUMENTATION ALONG WITH NOTARIZED PAPERWORK TO SHOW THAT THE ACCOUNT DOES NOT BELONG TO ME. I HAVE PAID OVER {$75.00} FOR A NOTARY FEE SO I CAN GIVE THEM ALL THE PROOF THAT THEY NEED TO CONFIRM THE ACCOUNT IS FRAUDULENT SO THEY CAN REMOVE THE ACCOUNT FROM MY CREDIT REPORT ONCE AND FOR ALL. I FEEL LIKE THEY HAVE SOLD MY INFORMATION OR THE COMPANY THEM SLEVES HAVE DONE SOMETHING UNDER MY INFORMATION. I HAVE NEVER ATTEMPTED TO WORK WOTH XXXX XXXX XXXX AND I HAVE NO IDEA WHERE THIS ACCOUNT IS COMING. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
XX/XX/XXXX I called TD Auto finance to pay my monthly truck lease. When I called their number ( XXXX ) the telephone prompts sent me to another department which notified me through phone message that they were closed. My calls started at XXXX XXXX central standard time. Eventually, I pressed XXXX to get to a customer service operator. The agent informed me that I was 90 days past due. There was a draft issue with my account so payments did not draft in XXXX. The agent sent to a collections agent which advised me of my options. I made a one-time payment of {$1100.00} on Friday, XX/XX/XXXX. I also made and additional scheduled payment of {$370.00} to be drafted from my account on XX/XX/XXXX. The collections agent told me that the Repossession order was canceled on my vehicle. The entire collection of phone calls lasted until XXXX XXXX XX/XX/XXXX. The next morning my vehicle was repossessed. When I called the customer service department, they told me that nothing could be done until Monday ( XX/XX/XXXX ). They also could not inform me of where my vehicle was located in order for me to retrieve my personal items. My work items were located in the vehicle. Currently, I have not reported to my job in 3 days. Monday morning ( XX/XX/XXXX ) I started calling the collections department at XXXX XXXX  and the a resolution was reached at XXXX XXXX that same day. The collections agent after putting me on a 20-minute hold stated that she confirmed with her supervisor and determined that my vehicle was wrongfully repossessed. She apologized and stated that a new worker made a mistake and did not cancel the repossession. She stated that my truck would be released and that I would not have to pay fees. When I tried to retrieve my vehicle the tower informed me that the yard closes at XXXX XXXX and that I owed a {$370.00} storage fee. I will miss the fourth day of work and I will have to pay {$370.00} dollars to retrieve my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TN

Complaint narrative:
I mailed in dispute letters to the three credit agencies XXXX, XXXX, and Experian to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.

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