vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my correspondence I faxed to XXXX last XX/XX/XXXX, I explained and requested to XXXX to remove the late payment reported last XX/XX/XXXX. From the day the account was opened last XX/XX/XXXX, I was never late on this account except on that date. I wrote to them explaining the situation I had and even showed them proof that I was more than capable of paying off the minimum due let alone the entire balance of the account. I wrote to them : " The problem is, that someone hacked/stole my original email ( XXXX ) linked to my XXXX account. This was already reported to the authorities ( please see attached FTC report ). Ever since then, I never receive any notification reminder nor statement since I signed up to go paperless. Right about two weeks ago, I confirmed with one of your representatives that you still have my old email on file and the rep updated my account with my new email and fixed my login issue, which I am very grateful. But, it is too late for that Since I dont receive the statements and reminders due to my login and email problem, there are times that the payment was received a bit late and Ive been reported to the credit bureaus. '' Please see all attached copies of the documents I sent to them

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 2018-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I checked my credit reports. Wells Fargo Home Mortgage shows me as being delinquent as of XX/XX/XXXX. Closed on XX/XX/XXXX, Permanent status Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX. I did file bankruptcy and it was granted on XX/XX/XXXX. 

But I was not delinquent XX/XX/XXXX nor have I ever been delinquent on any payments. I continued to make the agreed upon monthly payments until XX/XX/XXXX. on XX/XX/XXXX I paid my mortgage in full. 

On XXXX I called Wells Fargo Home Mortgage to discus this issue. They said since I had not reaffirmed my loan they quit reporting it to the credit bureaus. I told them that was fine. But they needed to take off the delinquent report and say it was paid in full. 
She said she could not do that. When I insisted and said I filed complaints with the credit bureaus she referred me to their legal department. She tried to transfer me but cut us off instead. 
I called Wells Fargo back. Had to go through all the steps and information again. This person transferred me to the legal department. After being on hold for 10 minutes I was finally able to speak to a person. 
Again I had to explain the entire situation. He told me there was nothing he could do about it. When I insisted he informed me, I needed to write a letter detailing my request and what I wanted done. Also to include proof of everything and mail it to Wells Fargo Home Mortgage. 
I told him they had all the records and proof right there and it was Wells Fargo that reported the false information to the credit bureaus. He replied that the would not change anything until I mailed the letter with the proof. He gave me the address. I thanked him and hung up. 
I am a XXXX veteran on a limited budget. I can not afford to print and make copies of two and a half years of statements and pay the postage to mail all this to them. 
When they are the ones that falsely reported this information.

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 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/2018 a transfer of funds between another USAA member and myself Accrued. USAA now uses a 3rd party company called XXXX, when the transfer was placed a text was sent to my phone saying " XXXX sent you {$1000.00} through XXXX, a service of XXXX XXXX XXXX, at XXXX XXXX XXXX. Reply with STOP to end msgs or HELP for help. '' after some time I realized the funds had not been transferred. after consulting USAA I was informed that I only had 14 days to register or the funds would go back to the sender. I was well over that period and now am being told that USAA has no way of contacting the Sending Member or any way of completing the transfer. The points i would like to make are in the Text Receipt message it states nowhere that i need to login and register, or that my funds transfer would not be completed until I am registered. the text does however state that {$100000.00} was sent to me, when in fact it was never sent. I would consider this a lie and false invoicing. USAA has been unhelpful in this situation and is not making any attempts to rectify this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-08-07 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently received a statement in XX/XX/XXXX stating that I owe {$2800.00} to Bank of America this account was paid off in 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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our authorization was faxed XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. 

On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. 

XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? 


I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
For the last several months, United Collection Bureau calls me 5 or 6 times or more every day attempting to collect {$340.00} - a bill incurred at XXXX XXXX XXXX in XXXX XXXX WA - a medical debt that was paid to the healthcare provider at the time of service. 

The healthcare provider has verified to me that they do not use this collection bureau and that my account balance was indeed paid and is at a zero balance. 

These are the calls just in the last two weeks : XXXX 4 calls XXXX 5 calls XXXX 5 calls XXXX 3 calls XXXX 2 calls XXXX 4 calls XXXX 5 calls XXXX 4 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Deed-in-lieu executed on XX/XX/17. Ditech continues to send me correspondence on the account and attempts to collect the debt when I call to have the matter resolved. The problem has not been fixed after many calls on my part and promises from Ditech to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls and have called every day for yearrs. They call from multiple numbers in 30-40 minute increments throughout the day. They never leave a message. I have asked in writing  several years ago to provide me with a copy of the stated application to ascertain if the signature is authentic. Ive been the victim of identity theft and have found serious errors on my credit report, most notably a spouse ... I have never been married. 
Below is a snippet of numbers and call received in a 4 day period : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit is reporting a medical collection from XX/XX/2008. There have been two concerning issues with Continental. First, Continental Credit did not validate this debt prior to reporting this on the credit report. We had insurance at the time and there was no bill that wasn't covered. Second, this is past the FCRA limitation of 7 years. This bill is from XX/XX/2008 if it is even valid. I have tried to deal with them but they refuse to respond to my requests. They just keep trying to collect this debt at all costs despite our objections. At this point it is past the statute of limitations, past FCRA limit on reporting, and violated the FDCPA by not validating the debt when requested, not respecting a disputed account etc etc. They state there is 62 months of payment history. Where do they get this kind of 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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is in regards to my wells fargo credit card account ending XXXX. This is an account that wells fargo closed I believe because of the number of days delinquent it had become ( 3 payments behind with a balance of about 11K ). This happened around XX/XX/2018. A XXXX dollar payment was made in XX/XX/2018 and then {$7800.00} worth of payments were made in the month of XXXX. In XXXX I make a XXXX payment. In XXXX my credit card minimum payment is XXXX.. I made several attempts to have this clarified with no resolve. Finally, I reached someone but its after the due date. I paid the minimum amount due of XXXX prior to due date. I called the wf I asked how did you come up with a XXXX balance on XXXX. The rep then put me on hold for 10 minutes comes back and says we changed your monthly payment amount on XXXX to XXXX every month to help you get caught up. I told her she was a liar. That someone in the collections department or else where was attempting to illegally gains late fee 's on my account by causing a minimum fee amount that's to high. In addition its retaliatory for me being in collections. I can imagine that since XXXX was my min. monthly payment in the month of XX/XX/2018 that someone put a lock or something on my account to only post payments of XXXX or higher to roll the account out of delinquency. Thats fine and dandy that they do that but they have to remove it the following month or it creates issues. My current statement shows zero amount due in XXXX so if my minimum payment was XXXX every month why dont I have a payment due now. Just like their reported software malfunctions that occurred forcing homeowners into foreclosure. The american people know it was no software error. It was to clear out delinquency numbers so they could take one major loss come back the following quarter with better delq numbers since they flushed as many consumers out at one time. Tactical advantage when looking at long term stock growth.

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