vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received a letter stating that I owe {$1800.00} from my business and I left multiple messages to ask what this amount is in regards to and I do not know what company that is being owed to. I even email the given contact information, no response in communication and can't get hold of a live a person. Only gives the option to pay. I received a second letter that if I do not pay by XX/XX/2018, further action by their office will take place. The collector claims on their letter that they try to reach me multiple of times, which is untrue since I am unable to speak to someone live, no party have emailed me back or return my messages.

I have not received any proof of statements what I owe and just a letter stating that I owe {$1800.00}.

Also, the business that I owned of which the debt collector is claiming Closed. I closed the business and no longer in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance?

CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us.

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 2018-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I made a payment using the capital one credit card app and didnt realize i didnt have the correct amount of funds in my bank account. It was then subsequently late. When making the late payment that was due, i encontered an error measage in my app when i set up my payment and went to slide to pay. I didnt get a confirmation of payment so i went ahead and restarted the process and it went threw. When i woke up the next day to check my account i noticed that both payments went threw and bounced because i only had the money for one payment. They closed my account and made put a serious dent on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
The reason for this complaint is they claiming that I am 2 months delinquent, when I have XXXX submit a check from my account every month. Every month my payment is always sent from my credit union. My credit union does not lie. PM does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal reversed promised PERMANENT credit to create negative balance of {$62.00} in an attempt to refuse to allow me to remove my bank debit card attached to my exempt Social Security direct deposited funds. I've since received a threatening collection email from Paypal, to which the negative balance will add collection fees, a motive for the permanent credit reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.

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 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I WAS CONTACTED BY A COMPANY CLAIMING A DEBT OWED WHEN THE APARTMENT IN QUESTION DID NOT BELONG TO THEM WHILE I LIVED THERE I HAD MOVED OUT BY THE TIME ESCROW CLOSED NO CONTRACT WAS SIGNED OR IN EFFECT SO I DO NOT OWE THEM ANYTHING. THEY ALSO ACCEPTED THE PROPERTY AS IS. THIS IS OVER 3 YEARS AGO. THEY ARE USING NATIONAL CREDIT SYSTEMS INC OUT OF XXXX, GA AS THE COLLECTION AGENT THE CREDITOR IS XXXX XXXX XXXX  OUT OF XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
This debt appeared on my credit bureau file report without any knowledge to me. I have told this company that this debt is not mine and that it was opened fraudulently. However, this company takes no action and is not trying to resolve the issue. I told the company that I never opened an account with the original creditor nor did I open any account of this sort in XX/XX/XXXX, since according to the credit report, the debt will be erased in XX/XX/XXXX. Furthermore, I never ever got correspondence of this debt previously. It just appeared on my credit report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Upon trying to open a checking account with Bank of America, I was told that I've already had an account with them. Bank of America informed me that the account was opened in 2008, but I NEVER had a bank of America account before! Someone fraudulently used my information to open that account! I was also told that there is a debt of {$600.00}.

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 2018-08-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have concern that the credit score reported by all three credit bureaus has improperly decreased. 

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX and XXXX  rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from Equifax a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 ; I filed a formal dispute with Experian 's fraud department in reference to items that are being reported in my credit report. I disputed a public record stating a bankruptcy, a fraudulent account opened with XXXX XXXX XXXX XXXX  and an incorrect balance with XXXX XXXX XXXX XXXX.

I disputed the bankruptcy public record because I became aware that any bankruptcy filing made in the XXXX Circuit Court jurisdiction with personal identifying information such as a social security number, date of birth and current mailing address is made under judicial seal. Experian obtained personal identifying information, that is still under seal by the court, and published it illegally on a credit report. I spoke at length with the Clerk of the United States Bankruptcy Court and was told that under no circumstances that personal identifying information is released to third parties because of the risk of identity theft and fraud.

I brought this information to the attention of Experian 's fraud department and disputes department on XX/XX/2018 at XXXX. Experian denied obtaining the information contained in the report themselves but through a third party vendor because its a public record. I requested the name and contact information of the vendor and they denied my request. On XX/XX/2018 at XXXX ; I spoke with Experian again through their special handling department and again reiterated the position that information was public record, to which I stated that personal identifying information is not public record especially information under judicial seal. I again demanded the vendor information and was lied to that the court not a third party vendor supplied my personal identifying information in violation of the judicial seal.

The other issues with Experian involve improper fraud investigation of disputed information including the XXXX XXXX XXXX XXXX dispute and XXXX XXXX XXXX XXXX   dispute. Experian completed the dispute investigations without properly verifying the information disputed and leaving the information unchanged as accurate.

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 2018-08-15 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: NY

Complaint narrative:
Pervasive and consistent failure of Chase to abide by FCA. Will not investigate dispute properly. Will not provide contact information to claims person. Will not provide information forwarded by merchant. Internal person assigned does not speak English. Chase will not look at evidence or merits of claims presented by consumers and will rely on self-serving, non-evidentiary information provided by merchant each and every time.

I have tape of conversation with Chase representative evidencing pervasive fraud and failure to abide by FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: OH

Complaint narrative:
I have concern that the credit score reported by all three credit bureaus has improperly decreased.

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX  and Transunion rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from XXXX a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you 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
Consumer complaint received 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX   and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment. 

A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed. 

They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved. 

We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used. 
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen. 

Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed. 

Of course we do not agree with what they did to us and we demand a full refund of our down-payment. 

The day we returned the car they kept all the original documents, including the Contract Cancellation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was recently denied acceptable terms for a mortgage refinance through XXXX XXXX. The reason given was there were numerous inquiries into my credit report 18 plus in the past 12 months. I don't know why the credit report dropped from XXXX to XXXX in a week.

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 2018-08-16 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: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$5400.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a house that closed on XX/XX/XXXX - loan was with Wells Fargo Home Loans. On XX/XX/XXXX I received a letter stating that my closing documents were revised - not to worry because nothing would change in regards to the terms ( length of loan or monthly payment ). In my opinion it was extremely misleading. I contacted the number ( XX/XX/XXXX ) listed on the letter to inquire about the change. After escalation to the Executive Office, XXXX XXXX, contacted me on XX/XX/XXXX. It was at this time she stated a case would be opened in regards to my questions/concerns. My concerns were as follows. One - why were the documents revised without consulting me prior to the change? Two - what changes were actually made? Since XXXX wasn't willing to verbally disclose what changes were made I formally requested a copy of the Document that was revised. Unfortunately, as of XX/XX/XXXX she or her office hasn't complied with that request. I took matters in my own hands and went into a Wells Fargo Bank Location and voiced my frustration - a banker was able to help me with my request. As frustration mounted I tried to contact someone else within the organization - I was told XXXX was at the highest level and she would be dealing with my case. XXXX continues to with extensions in increments of 10 business days. Fast forward to XX/XX/XXXX - XXXX contacted me once again extending the resolution date to XX/XX/XXXX. I expressed my discomfort stating, " Wells Fargo had the obligation to have a resolution closed by XX/XX/XXXX according to Federal Regulations ''. She stated, " this is a very complicated matter that needs to be addressed by many departments ''. I requested to speak to her supervisor - was told she would relay the message ( no contact with that individual as of today XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX again extending the closure date to XX/XX/XXXX. I again asked to speak to a supervisor but was denied - told the message would be relayed. In my opinion 3 month should be plenty of time. In closing, it took 1.5 days for me to figure out for myself I was overcharged on multiple lines. I did express this to XXXX on many occasions. At some point enough is enough. Wells Fargo has took to the media stating that they were reborn again in XX/XX/XXXX - it's nothing but lies.

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 2018-08-08 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: NY

Complaint narrative:
XXXX XXXX XXXX sent credit card bill to wrong address. 
Even though they received bill back in mail as undeliverable they never tried to contact me by other means such as : my home address, telephone number, and E-mail address that they had on file. 
This account was sold to XXXX XXXX on or about XX/XX/2018. 
This account was settled with Citi Bank on XX/XX/2018 after they called me by phone. 
XXXX XXXX XXXX reported to TransUnion as adverse account with incorrect address. 
When i called XXXX about correcting this problem they told me the account was sold and they had no records and could not help me. 
When i called XXXX XXXX they said it was not their report and i must work with XXXX XXXX who must have records. 
Someone is obviously lying.

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