vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stuart-Lippman and Associates, Inc
State: IN

Complaint narrative:
Stuart Lippman and Associates based in XXXX, Arizona first called me on Thursday, XX/XX/XXXX at XXXX. XXXX XXXX spoke to me over the phone. She stated the name of the person she was wishing to contact. For the purpose of this report, let 's call him XXXX. I informed her that I was not XXXX and asked her to please not contact me again, as I am obviously not the right person. I received another phone call from XXXX XXXX on Thursday, XX/XX/XXXX at XXXX. Exactly one week after I informed her that I was not XXXX. I believe they record all of their phone calls so all of this information should be available to them to listen to again. I missed their first call, so I called back on the same day ( XX/XX/XXXX ) at XXXX to once again ask them to stop contacting me. On the call on XX/XX/XXXX at XXXX, I informed XXXX XXXX once again that I am not XXXX. Again, I requested that she not contact me further as I have no debts, am NOT XXXX, and have already requested once to not be called. I asked them to place me on a " do not call '' list and XXXX informed me that they don't have a " do not call '' list. I told XXXX that it was illegal for her to continue contacting me, as I have requested she stop calling, AND informed her twice that I was not XXXX. In response, XXXX stated, " well then have your dad call us back. '' I believe the behavior of this company and XXXX XXXX is absolutely inappropriate. XXXX XXXX 's actions on behalf of her company were a direct and illegal breach of the Fair Debt Collection Practices Act of 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is a system issue because the same issue has happened to my mother. Navy Federal Credit Union will ask for a password when verifying the account. Its a password that each customer can choose. After speaking with a representative I received a email stating my password has changed and if you have not changed the password please call Navy Federal CU. I call back and sure enough my password was changed with out my permission. My mother had the same problem with NFCU. At that point they refuse to help you and refer you to a branch or fax documents. The problem with this is my account is going to be late and possibly have a negative 30 days late. They dont send me statements because I am no longer a member otherwise I would mail in my payment. Since I no longer have the Credit Card I do not have the number to mail a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
Amerihome, my previous mortgage servicer ( owned by XXXX ) sold my mortgage servicing to XXXX Mortgage Services. XXXX lost a class action lawsuit earlier this year against 30 States. It is completely unethical to make this decision, and reflects extremely poorly on both institutions, the bank ( XXXX XXXX XXXX ), and its investors. 

Additionally, I do not wish to have my mortgage serviced by a company that has lost a lawsuit on such a scale. I have no trust in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I HAVE WRONG ADRESSES THAT NEED TO BE CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: SD

Complaint narrative:
I contacted consumer financial protection bureau on XX/XX/2021 ( complaint number XXXX ) about my denied claim of XXXX in fraudulent charges and Way2GO not giving me answers on why I was denied. A person my the name of XXXX contacted me by phone and said she was with XXXX XXXX XXXX. I told her the whole situation and said she will send me a email so I could provide more documentation showing these charges were fraudulent. I immediately categorized all the charges and tried to contact every company where the fraudulent charges were made. I emailed her all the documentation showing the charges where made in XXXX, Michigan by the name XXXX XXXX. The companies would give me the name, city and state of the transactions but will only give the location to law enforcement. Also emailed case numbers so they could easily call the companies to verify the information. In the email that XXXX provided was a phone number ( XXXX ). I have called this number and have left at least 25 messages telling them to call me or respond to my emails and they have never responded.. So I did a XXXX search and called the number that looked like XXXX XXXX XXXX ( XXXX. When I called the guy said he was a insurance agent and told me he has had multiple people calling him that are trying to contact this company and has no idea why his number keeps popping up on this XXXX  search. Very frustrating when XXXX told me on the phone how she would do everything she could to help me out and now wont answer my calls or emails .. I will send a few pictures showing my claims to be true and I have a lot more documentation if it needs to be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: TX

Complaint narrative:
Report debt not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
XXXX never contacted me regarding the accounts they had just reported to my credit history on XX/XX/2021. Instead, they hired an attorney by Klima, peters, and daly to sue me in the Virginia general district court for the amount of XXXX the warrant of debt was sent to the wrong address, the only reason I got that mail notice was because the mailman recognizes my name on the envelopes. the Klima peters daly law firm sent a notice for debt settlement 10 days afters they already file the suit. these tactics are unethical, the customer so suppose to be notified of such actions before filing and as the settlement notice states i had 21 days to settle. even though XXXX  never contacted me regarding these accounts, and XXXX also had access to my credit report that has my current address and number. this is was crooked actions. 

note ; the statements they gave the court clearly show my current address so they intentionally wanted for me to miss the court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I OPENED AN ACCOUNT WITH A LENDER CALLED ONEMAIN IN XX/XX/XXXX. THE ACCOUNT WAS NEVER REPORTED LATE UNTIL XX/XX/XXXX AFTER THE LENDER REMOVED AN AUTOMATIC DRAFT AGREEMENT. THE AUTOMATIC DRAFT AGREEMENT WAS DONE BY PHONE, AND I GOT NO WRITTEN VERIFICATION OF THE AGREEMENT. 

THE LENDER ( ONEMAIN FINANCIAL ) TRIED TO RUN A LOAN FLIPPING SCAM BY AGGRESSIVELY CALLING ME MANY TIMES TO REFINANCE MY LOAN. THE REFINANCING OF MY LOAN WOULD HAVE COSTED ME HUNDREDS OF DOLLARS IN NEW FEES AND ADD ON PRODUCTS THAT WOULD HAVE BEEN ROLLED INTO THE NEW LOAN AT A VERY HIGH INTEREST RATE. AFTER MANY AGGRESSIVE CALLS ASKING ME TO REFINANCE MY LOAN, I ASKED TO BE PUT ON A DO NOT CONTACT LIST. I ALSO ASK FOR MY PAYMENTS TO COME OUT OF MY BANK ACCOUNT AUTOMATICALLY TO AVOID ANY FURTHER COMMUNICATION. INSTEAD OF PLACING MY LOAN ON AUTOMACTIC PAY FOR THE LIFE OF THE LOAN, THE LENDER PLACED THE LOAN ON AUTOMACTIC PAY FOR ONLY 12 MONTHS. THIS MEANS I WOULD HAVE TO SPEAK WITH AN AGGRESSIVE SALES AGENT AT SOME POINT IN THE FUTURE. AFTER THE 12 MONTHS OF AUTOMATIC PAYMENTS THE LENDER TERIMATED THE AGREEMENT TO AUTOMATICALLY DRAFT MY ACCOUNT WITH OUT NOTICE. I DIDN'T KNOW THE AGREEMENT WAS CANCEL, AND AFTER REPORTING ME 30 DAYS LATE THEY MAIL ME A NOTICE. I IMMEDIATELY BROUGHT THE ACCOUNT TO A CURRENT STATUS UPON RECEIVING THE NOTICE STATING MY ACCOUNT WAS OVER DUE. I NEVER HAD ANY 30 DAY LATE PAYMENTS ON THE ACCOUNT PRIOR TO THIS TIME. I WASN'T NOTIFIED BY PHONE BECAUSE OF THE DO NOT CALL STATUS DUE TO PREDATORY LENDING, AND THE LOAN FLIPPING SCAM AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.

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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: TX

Complaint narrative:
XXXX inaccurate information to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Amazing how if I PAY experian {$19.00} a month, I can freeze my credit bureau with the click of a button but if I don't want to pay, now they suddently " can't verify me '' and I have to mail, yes MAIL, a letter ( those are still a thing? ) with my driver 's license, my birth certificate, a utility bill, AND a W2??? But if I pay {$19.00}, suddenly, they don't need those things anymore. Hmmm, seems a little corrupt, don't you think?

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I have reached out to XXXX a few times to update my credit report and they are still showing open accounts that are paid in full : XXXX XXXX, MIDLAND Credit Management. I do not owe this money and have paid off my accounts in XX/XX/2021. They are still showing open. Under the advise of my attorney, XXXX XXXX, I have sent certified letters and still nothing from XXXX even acknowledging my complaint. NOW, the final step once again is to contact you for another investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has denied a recast of my current mortgage, citing my participation on the COVID deferral program. Wells Fargo claims that this is a decision of the " investor '' namely, XXXX XXXX, and not a Wells Fargo decision. I have offered to pay off the deferral amount in full. They say this will not change the policy, that I am no longer allowed to recast the mortgage.

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 2021-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Renew Financial Holdings Inc
State: FL

Complaint narrative:
As a participant in the PACE program with Renew Financial, the FHA mortgage held does not qualify for the FHA streamline program due to the policy of Renew Financial not subornating the lean place on the property. Upon speaking with Renew financial, they state the company " will collect the money no matter what as it is a tax assessment, however we will never subordinate because it is just our policy. '' Why does a government partnered program prevent individuals holding FHA loans, meant to provide financial stability, from obtaining financial benefits through FHA programs by holding policies that contradict the FHA requirements to participate.

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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime bank suspended my account on XX/XX/XXXX the same day my deposit for SSI in the amount of {$790.00} posted. Chime has since unsuspended my account, but my deposit isnt in my account. I called Chime and was told I didnt have a deposit. I called social security administration and was told the deposit was sent to my chime bank account. Chime is holding/keeping my SSI deposit. Please help me with this issue. Im on fixed income and I am currently battling XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/2021 someone ran my credit from Citibank Na, XXXX XXXX XXXX XXXX XXXX. Im not sure if they opened a credit card or not Im just trying to get ahead of it. My XXXX account was hacked and they stole all my information now I cant even call out or text message anyone on my phone. They took my social security number, address, name, DOB and bank info.

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX open account Amount of debt : XXXX Account number : XXXX XXXX account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA

Complaint narrative:
Original complaint # XXXX-XXXX. I have recently discovered so much new information, that I am making a new complaint. 
On XXXX XX/XX/XXXX, I received a notice from my employer that the were garnishing my wages for a debt judged in State of Michigan XXXX judicial District Court, Judge XXXX XXXX. The Attorney is XXXX XXXX of Weinberg, Weinberg and Reis. The case # is XXXX. There was a default judgement to garnish my wages for the amount of {$3600.00}. 
I found out today, from the Court Clerk, that they claim that I was served, by alternate measures. The clerk told me the I was served by 1st class mail on XXXX XX/XX/XXXX, and that it posted XXXX XX/XX/XXXX. The address was XXXX XXXX XXXX, XXXX, XXXX. This is an address that I briefly stayed at over 15 years ago, with a girlfriend. It was her address. I don't know that this would be considered a residence, even when I did stay there. I have not even been to this address in over 15 years. In XXXX I moved to XXXX, XXXX. In XXXX I moved to XXXX, XXXX. I can easily prove that I was working at XXXX  XXXX XXXX through the dates involved in service, with no vacation. XXXX, XXXX  is XXXX miles away. 
The court case was for a XXXX XXXX that I did not have. I have never had a XXXX XXXX. I think this may be identity theft by my estranged wife. I have no details yet ; but, I believe the address where the card was opened, was XXXX, XXXX. Why would I live in XXXX ; then move back to a location that I briefly lived in 15 years ago. 
The Attorney tricked the court to get a default judgement on a case they couldn't win. They had used this address, and this type of service to evade liabilities under 15 USC subchapter V 1692i. I am sure nobody went to that address to attempt service. Had they done this, the residents would not know me. I also believe that they used this address to get the judgement in a limited jurisdiction court, that was friendly with them. The distance would make it nearly impossible for me to address the court or defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED

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 2021-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
in XXXX my ex lost his job, we try to apply for assistance with wells fargo and they denied us, since XXXX we have divorce and we both me and my ex decided to divorce and he awarded the house to me. I have my divorce decree stating i am the homeowner of my house so i try to do a loan modification and they denied me they said they wanted a warranty deed with all my rights of my home giving to me so i did but i have been struggling for almost 7 years and getting no where! i have talk to to many people that take the case and they seem to close them out because not they want a liability form signed by my ex, well I can not find him, he has remarried and he signed all the required forms for me to have every right of my house. I am a successor of interest but the mortgager still wont let me do a modification on the loan cause they need his permission after i have the warranty deed and divorce decree signed by my ex, now they want me to provide his address and where he is at which he has remarried and his wife does not want any part of me. Wells Fargo has been so unfair and always has giving me false information, they have been so unfair in deceptive practices! i have lost my hair from all this stress they have giving me! I dont have good credit to move my mortgage somewhere else if not i would! I was laid off in XXXX and had a terrible XX/XX/XXXXyear with XXXX  and XXXX that almost XXXX  me! i feel they are treating me unfair and i get transfer to so many people i feel they aren't taking me seriously! i just want to modify my mortgage and add my name on the note Please help

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