vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX  Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I hired my attorney XXXX XXXX XXXX XXXX to handle my mortgage defence on or about XX/XX/XXXX when I was given a default notice, ( 3 months behind then ) since then I followed my attorneys advice, the bank Specialized Loan Servicing of XXXX XXXX. XXXX CO. are playing games, they keep on adjouning the conference because they aren't ready and my arrears keep getting larger and larger, today they SLS didn't even bother to show up and the judge adjounded the case again ( 2 months ) from now to XX/XX/XXXX because they didn't show up. My Arears keep on going up. My bank Arears are now at {$110000.00} until present, I offered the bank {$100000.00} in XX/XX/XXXX and was turned down, this bank is not looking to come to the table and assist in getting this loan Motification or settled, I have both letters from my attorney stating the refusal of my offer by my attorney, and that today XX/XX/XXXX a scheduled court conference by the court they didn't even bothered to show up. I need you to investigate this bank as they are forcing me to file a bankruptcy which I do not want to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: VA

Complaint narrative:
On XX/XX/2019, I looked at my FICO score on the XXXX banking website. I noticed my FICO score had gone down from XXXX to XXXX. I called XXXX and a representative informed me that they receive their information from Experian. I explained to her that I havent opened any new accounts and I am also not delinquent on any accounts. My credit score with Experian is XXXX. When I attempted to start a dispute due to about 4 accounts labeled as possibly delinquent. When you attempt to start a dispute the website tells you you have to set up an account so that Experian can pull your credit report periodically. If you do not agree to that you cant start your dispute. The record number on Experian is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Premier Student Loan Center
State: TN

Complaint narrative:
I located a company via the U.S. Department of education website. The company is called Premier Student Loan Center or another name of XXXX XXXX XXXX. They made statements that they would and have worked with XXXX XXXX to lower my payments and take care of all of my student loans. They stated that they would take care of everything. With the amount that I owed XXXX XXXX and the hope of trying to repair my credit, I began working with this company in XX/XX/2018. They obtained all of my personal information and student loan information. They stated that they would start with {$200.00} a month for 6 months and then all I would pay would be {$44.00} a month. In speaking with XXXX XXXX, the company made fraudulent statements to lower my payment. Was this for my benefit or theirs? So far they have taken {$590.00} out of my personal account and have paid nothing to XXXX XXXX. I have tried to contact PSLC or XXXX XXXX XXXX, via phone and email and have yet received a call back or email back. The service representative with XXXX XXXX said that this company has done nothing for me but add more and more interest to my loan by not paying, which is going to continue to grow and make it more and more difficult to pay off. Here I am trying to help my family and credit by getting this paid off and now its more money and they have my information too. I am looking to at least obtain my money back from this company and also the interest that was added to my XXXX XXXX account. The interest total, since XX/XX/XXXX, is {$1800.00}. Plus the additional interest that is going to add during the time to try and make resolve with XXXX XXXX while my loan is on forbearance for this incident. 
This company is not showing that they are helping people with student loans but stealing money for their own financial gain. Please help and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Last Reported : XX/XX/XXXX Collection agency : XXXX XXXX XXXX Date openXX/XX/XXXX {$1000.00} I want to know how was this account open XX/XX/XXXX.. 
I would like to have this account removed off my credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We lost a home in the XXXX XXXX XX/XX/XXXX2018. Our insurance company issued a joint check with a smaller portion due to completely pay off the mortgage holder Bank of America. Since we opened a B of A account, we thought they would deposit the check, subtract their outstanding amount due on the mortgage, and distribute the balance to us expeditiously ( bank agent 's term ). Now we are approaching a month 's time and calling the various bank people at a number of their departments over the country where they claim to have physically sent the check ( Florida from California..? ) and our money has been effectively tied up in their red-tape and dysfunction. We need our money..! While our insurance company worked thru their process efficiently, it's taking Ban of America almost as long to cash a check ( in this day of electronic payment, I'm certain they could confirm and cash that check in minutes ) and distribute our funds as the claims adjusters took to confirm our entire house losses. 

There needs to be a downside to BofA for this kind of malicious money-grubbing larceny from people who simply want to cash a check and deposit their funds ...

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 monetary relief
Consumer complaint received 2019-01-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a push notification on my phone from XXXX XXXX that a hard inquiry was done on my account from CBNA this evening ( XX/XX/2019 ). I never applied for anything from Citi Bank. I did receive notice by mail for an XXXX XXXX Mastercard through them but I set it aside to throw it away because I had just received a XXXX  XXXX card just prior and didn't want to damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My debit card was stolen with the pin around XX/XX/XXXX or XX/XX/2018, and used for a large volume of transactions at various locations and the pin was used on some of the transactions. The total amount of fraudulent transactions was around {$2400.00}. I informed Chase by phone on XX/XX/2018, had the card locked, submitted a claim for refund. I received a questionnaire in the mail from Chase about the incident, filled it out and returned it. Chase has denied the claim becuase a pin was used in some of the transactions. I do not know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: SD

Complaint narrative:
On XX/XX/XXXX a letter was sent out by Northstar Location Services , LLC on behalf of XXXX. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like XXXX to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from XXXX to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIGY USA CORP.
State: MO

Complaint narrative:
XX/XX/XXXX I received a levy for a debt collection company called XXXX XXXX XXXX They had advised me that they has took all of our funds from mine and my wife joint checking and savings accounts zeroing out the balances now my bills have been returned for NSF. I have no debt or contract with this company I'm not sure why they are harassing me for a debt that doesn't belong to me. They will not return any of our calls in regards to debt it goes straight to voicemail, So if I wanted to make arrangements on this debt if it was my debt which it's not they had no intentions to work with me and they still would have taken every dime I had. I pulled up the case in the Missouri Case net case # XXXX and it showed this was a debt starting in XX/XX/XXXX. I called and left numerous messages and no one has responded and now being the XX/XX/XXXX. They are not willing to discuss the account with me because I do believe they are aware this is not my debt and took my funds anyway. Then they say the original judgement was for {$5900.00} they have doubled the amount of the debt adding post judgement interest of {$4600.00} for a balance of {$10000.00}. I have knowledge of charge off debts and I'm well aware that they didn't pay the original balance of {$5900.00} to try to collect this debt they are a 3rd party vendor and the original creditor sold this account to them for pennies on the dollar due to the fact they already charged off the debt and took their loss. 

This would be the same company that filed this same case under a different case # on XX/XX/XXXX Case # XXXX XXXX and filed a transcript judgement in XXXX County court for the amount of {$5900.00} plus court cost. This company is being deceptive and have horrible business practices. I would like my funds returned this is not my debt. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I contacted this company back in 2014 explaining they needed to bill my insurance and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX  and XXXX  have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. 
The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. 
I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. 
I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: NJ

Complaint narrative:
Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX  CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. 

I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. 

This is illegal and I would like to have all my fees refunded to me promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 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: CA

Complaint narrative:
On XX/XX/2018 I disputed an item on my Equifax credit report using USPS certified mail ( See attachments ). I recently received the results from Equifax that indicates, " The disputed information has been verified as accurate ''. 

Equifax has failed to disclose to me documents that were used to verify the accuracy of the information reporting on my Equifax consumer credit report. The response provided by Equifax does not constitute verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to demand Equifax disclose all of the documents that have been recorded and retained in their file at the time of my request concerning the account reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I received a email from XXXX XXXX XXXX  prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX  XXXX  shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to respond to my previous complaint, which was number XXXX. The complaint was sent to Wells Fargo on XX/XX/XXXX. Currently, there is an auction date of XX/XX/XXXX, and Wells Fargo has not responded to my attorney 's calls. We have been attempting to resolve the pending issue regarding the loan modification approval. I have submitted all documents that Wells Fargo has requested in order to move forward with assuming the existing loan on the subject property ; however, Wells Fargo refuses to cooperate to resolve the issue regarding the approval of the loan modification. Furthermore, Wells Fargo has specified that they do not have to communicate with any of their clients whatsoever. We have been trying to negotiate with Wells Fargo, before they file bankruptcy, and leave their clients in limbo. We are ready to begin making mortgage payments in order to settle the debt on the subject property, but Wells Fargo appears to be very stubborn. The California Attorney General 's office needs to continue investigating this fraudulent and unethical company that has been continuously taking advantage of homeowners. My family and I are ready to resolve this issue, and Wells Fargo needs to negotiate in order to settle this dispute. Finally, there is no unauthorized third party regarding this pending matter. Wells Fargo needs to stop creating fantasies, and deal with this dispute in a sound and reasonable capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: First Credit Services Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation