vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out. 

XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Home equity line of credit with TD bank shows payments has not been posted since XX/XX/2017.

I signed up for auto payment through my checking account and it was never applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: NC

Complaint narrative:
XX/XX/XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!

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 2018-07-30 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: NC

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: NC

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This file is following a complaint that I filed on XX/XX/2018 with your company, ( this complaint has been closed at this time ) Complaint Number : XXXX. Chase Mortgage Company, illegally foreclosed my property while under consideration for a loan modification proceeding, approximately 7 or 8 years ago. Chase Mortgage Company purchased this property back after being told that they illegally foreclosed this property. We have been back and forth since that time regarding another loan modification, short sale, or a deed in lieu. Chase Mortgage is advertising this property for sale for auction on XX/XX/2018, on XXXX. Chase Mortgage informed your company l that they had discontinued any foreclosure proceedings as of XX/XX/2018. I am requesting payment for all of the undue hardships, and the many years of hardship with Chase Mortgage, for the unlawful foreclosure of this property, and the loss of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
Company sent out a letter which did not include the mini miranda or my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: FL

Complaint narrative:
I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: FL

Complaint narrative:
I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me

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 2018-07-30 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: OR

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX XXXXXXXX pulled last XX/XX/XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX XXXX pulled last XX/XX/XXXX XXXX   pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX XXXX  pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.

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 2018-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX has been screening my background, employments, credit cards, DVR, XXXX   and bank accounts to steal people 's money from their account and robbing houses since XX/XX/2016!!!!!

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
I received this document with some projections from Sortis, unsure of why this projection was sent to me. I signed an agreement with Sortis XX/XX/18, that was signed and notorized by both parties as of XX/XX/18, for a loan modification that started XX/XX/18. The first payment of the new loan amount of {$990.00} was sent electronically on XX/XX/18. However this was not reflected on a statement Sortis sent  me dated XX/XX/18. As of XX/XX/18 XXXXXXXX XXXX XXXX took over the loan. ( Attached is the signed and notorized by both parties loan modification paper for Sortis, the letter sent from Sortis regarding the change to XXXX XXXX  starting XX/XX/18, and the projection document. ) The question is why is Sortis sending a document that was not included in the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got several issues going on with Transunion, My scores went down dramatically for NO REASON- I was added as an authorized user to my moms credit card, 2 XXXX XXXX XXXX XXXX credit card in which she has good history, never late, etc, instead of my credit increasing AT ALL!!! it keeps going down daily, and i don't know why! I need my scores to be updated right away! 

Also, there are several inquiries in my credit report that I did not authorized and I am SURE this is due to some data breach, and I am going to file a lawsuit if this is not resolved right away!! I do not want to receive a response stating the inquiries are valid because they are not, I am 100 % sure this is due to a data breach or something transunion is doing wrong. I need inquiries to be deleted right away! 
The inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/2018, {$96.00}, This account is with Pay Pal through XXXX XXXX. They have charged me on last months balance instead of the current balance. I called them about this and they insist that it is stated on the back of my statement about daily balances. I am fully aware that this is the way it is done but on the current balance not the months before. I had a balance of {$5300.00} last month with a interest of {$110.00}. I paid {$2700.00} which left a Balance of {$2700.00} and they are charging me interest on {$4100.00} which is {$96.00}. I know fully well how to figure daily interest rates on balances and it is not this. I made the bill and am fully prepared to pay it but not be fleeced by a rouge financial institution that charges whatever they want whenever they want. I check interest amounts on all my accounts and have never had this happen on any of the others. I am very angry that people can get away with this type of thing and no one the wiser unless they know what to look for. OH!!! this makes me so mad, to think they are able to take advantage of myself and any other unsuspecting consumers and get away with it..

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 2018-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Good morning. I was recommended to your site by the State of CT, Dept of Banking. In XX/XX/2018 I purchased a new house. During the financial transactions between my attorney and XXXX in XXXX, someone copied my attorneys email info and wire transfer form and got me to ok a wire transfer from XXXX XXXX to a XXXX   XXXX XXXX account. XXXX XXXX did not confirm this transaction so sent the money to the fraud account. The amount was {$90000.00}. We found out the next day and immediately filed an IC3 report. XXXX XXXX did the same. The money was transferred from XXXX   XXXX XXXX to Wells Fargo. Wells Fargo alertly caught the exact dollar amount and froze the account that the money was put into. The problem is, is that Wells Fargo is not releasing the money to me, nor are they being communicative with the XXXX XXXX people. I filed a IC3 report and a police report through XXXX XXXX police department. I then contacted the AG office, then the CT dept. of Banking which led me to you. Please help me. I dont understand why Wells Fargo has not released this money back to me. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient/Sallie Mae added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. Navient or Sallie Mae added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. XXXX XXXX should have caught this error. I am requesting that you all forgive the whole total balance due to Navient and Sallie Mae 's fraudulent activity and XXXX XXXX ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX  XXXX University in XXXX and did not attend XXXX XXXX University until XXXX. Please see the attached file for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
We ask to the government and federal Reserved & FDIC regulators and all possible regulators to review BB & T business practices as it looks like they are closing business accounts and hold funds for indefinite period of time!! They keep using clients funds and delay the payment of the funds for indefinite period of time. As the law allows them, this bank provides NO evidence or reason to close our relation which we understand they have the right to do so. No bank is obligate to provide a reason for the closing accounts, but most of the honorable banks in this country will provide a 14 days notice and return the funds to clients, now it looks like this is not on BB & T business practices. Also, we are unaware if this bank due to our country of origin XXXX or religion XXXX has decided to stop doing business with us. 

CFPB should advise make it public ALL clients and business clients to be aware of BB & T Business practices!!. Since XX/XX/2018 this bank without any notification closed all our accounts and provide NO evidence or response at ALL of what is the situation, they have ransom more than 6 figures and we personally wrote an email to Mr. XXXX XXXX CEO of the bank and up to today, XX/XX/XXXX and it seems like Mr. XXXX is too business so the bank has some financial difficulties that is pushing them to have this type of business practice! 

Our business has obligation, payments, suppliers and it seems that they do not have any principles of conduction business!! This is INCREDIBLE that a bank closes an account without any notice and now uses clients funds and does not even provide a simple letter to consumers! It is concerning that a bank takes this type of business practices without any penalties! It is a dictatorship system that we are obligated to do what financial institutions decide and want without any WAY to get assistance.

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 2018-07-30 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:
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about 65k. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all 3 reporting agency reports. XXXX, XXXX and TransUnion all returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXXXXXX XXXX does not do student loans. I explained this to XXXX, XXXX and TransUnion but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit 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 non-monetary relief