vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
For the past 4 months, I have reached out to XXXX XXXX, XXXX via certified mail regarding the {$1200.00} they say I owe. I have informed them over and over this is not my account. I have requested documentation verifying this account and they have yet to furnish me information verifying this debt. Additionally, they have not reported to the credit bureaus that I have been disputing this debt. Their lack of accuracy is causing me to have major credit issues, including disqualifying me for credit as well as causing me to accept higher interest rates.

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 2018-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is my second complaint to Wells Fargo denying my modification. On XX/XX/XXXX Wells Fargo gave a response that said : thank you for the opportunity to address the concerns about request for a loan modification and the authorization. We've carefully researched this matter and are providing a response. Here are important account details we'd like you to know. At this time, there is a bankruptcy stay on the account with a five year plan. Once the stay is lifted, then the account can be reviewed to rescind the foreclosure sale. Until this is completed, we are unable to move forward with any request for payment assistance. The account is due for the XX/XX/XXXX, through XX/XX/XXXX, payments. A foreclosure sale was held on XX/XX/XXXX. Foreclosure has been suspended due to the active bankruptcy. I'm glad we spoke with the bankruptcy attorney XXXX XXXX about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 
My response to this is : how could a foreclosure sale have been conducted if the property in question was in bankruptcy, ( information from HUD ). But Wells Fargo continue 's to tell the agency that were working for the homeowner ( XXXX XXXX XXXX ), that the property has been sold, ( in a phone call to Wells Fargo as well as an email sent XX/XX/XXXX ). See attached ). 
According to HUD I can apply for a modification even while in bankruptcy. 
In a conversation with my attorney, XXXX XXXX, wells Fargo said that they would send modification documents to his office, ( this has not happened as of yet ). See attached. 
I feel that I am being treated unjustly and would like to know what this company plans to do about it. 
Thank you, 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 non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: AZ

Complaint narrative:
I have had my credit report damaged due to XXXX XXXX XXXX   mismanagement of this account that includes incorrect charges. Every time I call to deal with this problem, I am transferred around several times and then hung up on every time. I was then given a number that appears to be a SCAM number according to reports on the internet. I gave them my personal information and then hung up on. 

I believe this was a phishing number but I received this number from a XXXX XXXX representative. I would like to report this for further investigation. The number was XXXX. Please investigate!!! I am very concerned about the compromise of my personal information. 

Also, please reverse the late payment showing on my credit report because I did not ignore my account. I explained the information and gave my requests to the XXXX XXXX CSRs and they took my payments but my requests for a forbearance/deferment were repeatedly ignored. My requests to delete this debt from credit report were likewise ignored and no investigation was done. 

I would like any damage to my credit report to be corrected and an investigation into where my personal information went to as a result of XXXX XXXX. I also request all information regarding this alleged charge. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I  spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased a couch for {$1500.00} on XX/XX/XXXX under a promotional financing 0 % interest for 12 months. I then made several traditional purchases in the amount of {$530.00}. I then paid approximately $ XXXX/month for 12 months, eventually totalling {$1600.00} over 12 months. My XXXX statement balance was {$520.00}. I was then charged {$320.00} in accrued interest on XX/XX/XXXX for my original promo financing purchase ( which occured 12 months prior ) based on the entire original purchase amount, even though I have paid off almost all of that original amount. How is this not illegal? This is downright predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: IL

Complaint narrative:
I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC
State: PA

Complaint narrative:
I had a voluntary repossession in XX/XX/2017. They sold my car at auction in XX/XX/2017. Every month theyve been adding money to the remaining balance. Everyone of my credit report show different balances from what they sent me after the car was sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: TN

Complaint narrative:
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from XXXX XXXX XXXX XXXX  XXXX ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. 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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a 2 fold issue with US Bank I have had a bank account there for many years.

Problem # 1 : they canceled my cash card and access to my accounts for no valid reason Around XX/XX/XXXX US bank, let one of their members ( im told, not even someone who should have been authorized to do it ) accessed my banking card, and randomly canceled my main bank card ( cash card ) I found this out while I was out for lunch at work and my card was declined.

I received no warning of it, no alerts, etc.

I called, and was told, they didn't know why it had happened but that they would look into it ... no manager was available, and I never received a call back.

I contacted a manager via email, who had previously helped me on another issue XXXX XXXX and asked for his help. 

He told me that, he cant see any reason why it would have been canceled like it was, but that he was not able to reactivate it and would send a new card, with new number, which creates more problems, as I have several things ( auto billed each month ) I went into the branch location in XXXX a day or 2 later and spoke with a banker there, who told me my card had been " hot carded '' but she didnt know why, and that she couldn't get my old card number corrected. 
I called XXXX back, Then during our conversation, he says that he can save me quite a bit on my current auto loan, I gave him some information as to what I owed on it, etc, and he said he would check it out and get back to me, and let me know if he would be able to save me some money ... Note '' I never gave him permission to run my credit '' I wanted to know what he could save my on monthly payments. 

I followed up with him a couple times, and he never returned my calls, a couple of days later, I see a hard inquiry come across my credit report from US bank, I made several more calls, several more voicemails to him asking him about my credit being pulled, and ive not heard anything ... still to date, I have not received a response, leading to my second Issue : # 2 Credit pulled without permission, no response to what took place, hard inquiry placed on my credit bureau. 
His contact information below : Officer | Branch Manager II p. XXXX | a. XXXX | XXXX usbank.com

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i was charged an annual fee end of XXXX on a few of my cards by american express and in the begining of XXXX they closed my accounts so i asked them to return my annual fees if they decided they dont want to provide me service anymore but was told its non refundable they shouldnt be able to take my annual fees and close my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. 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 2018-12-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax failed to provide me with actual documented proof that the accounts listed on my credit report are in deed mines. I first requested this via certified letter that was received by them on XX/XX/2018 and again on XX/XX/2018. It's been well past 30 days and I've just checked my report again tonight and there's been no changes. I received an update from them dated XX/XX/2018 stating still several inaccuracies and still no type of proof that the accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have two issues with Paypal.com. First issue is that I am not able to receive funds from XXXX  buyers. I have spent hours and hours of time on the phone with over a dozen times including supervisors to remove the limited access from linked XXXX account. XXXX has said only Paypal.com can remove, and PayPal says it is fine on their end. 

Second issue is that there was an unauthorized transaction for XXXX from my XXXX XXXX account. This payment was to be sent from my XXXX bank, and was further cancelled by the recipient, however my XXXX XXXX bank still received a request for FUNDS. I submitted a resolution request, and their canned response was it was authorized as usual. I have provided the last two payments showing it was taken out from my XXXX account. The XXXX XXXX payment that I did NOT authorize shows as cancelled. XXXX XXXX has charged a {$35.00} fee because of this glitch or mistake. I had close my bank account for fear of a compromised account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Financial Accounts Service Team Inc.
State: VA

Complaint narrative:
I just had got sum sent to me in the mail that someone else made of me and all the info was incorrectly written

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I have contacted this company on several occassions and spoke with the original person that they stated owed the bill. The original company, which was XXXX XXXX XXXX, indicated that this account should not be on the report. They told me that the account was pulled from them. I then reached out to Penn and then they updated it to paid. It should have never been on my report and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax will not provide a free copy of a credit report annually as required by law. The other two bureaus provide a free copy without a problem. But Equifax pretends that there is a mismatch in the information being provided to it, and uses that as an excuse to decline providing the free report. And this explanation might just make sense, except .... 

One can BUY a report from Equifax, after providing the very SAME information used on the website used to obtain a free report. Once that information is obtained, it can be used to test whether Equifax will give up the free report. Equifax will not. In my own case I used every possible iteration of the three addresses that Equifax itself lists in the paid report, in combination with the SSN listed by Equifax itself, using the name variations listed by Equifax itself. 

This is not just an isolated incident of something going awry. The exact same thing happened to my fiance. He was able to pull XXXX and XXXX   for free no problem. But when he purchased an Equifax report and used Equifax 's own listed information and was unable to pull his free report. 

This is a massive scam on behalf of Equifax and perhaps the CFPB or a class action lawyer should investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have reached out to this company in writing about this account. I do not know who this company is and they failed to remove this or provide any information on the account. This is negatively effecting my ability to get approved.

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 2018-12-28 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: TX

Complaint narrative:
On XX/XX/2018, I have disputed XXXX XXXX XXXX on my Equifax credit report. I have sent an Affidavit and police report stating this is not my account. But Equifax refuses to obey the FCRA. They refuse to remove this account from my credit report. This has caused me Financial damages in higher interest rates and emotional distress.

Company response to consumer: Closed with explanation