vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX  XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does XXXX, Transunion and XXXX  do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks 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 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$1500.00} payment to my citi credit card. The {$1500.00} has been taken out of my checking account at XXXX and paid to citi bank for this account yet citi bank will not release the payment 2+ business days later and doesnt have anyone available to talk to about why this payment is not reflecting on my account. Ive had citi credit card since XX/XX/XXXX, only paid out of one checking account ( the same checking account since XX/XX/XXXX ) and they refuse to release the {$1500.00} in funds they already received from me!? On top of all that, Ive never once since XX/XX/XXXX not paid my account with citi due to insufficient funds. They are thiefs!

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 2018-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.

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 2018-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Professional Debt Mediation, Inc.
State: AZ

Complaint narrative:
I received a call today from " XXXX XXXX XXXX, '' advising a loan from XXXX XXXX XXXX back in 2010 has been reported uncollectable and that if I did not pay within 48 hours, my wages would be garnished and my federal tax return seized. I never received a loan from this company or it's subsidiaries. I requested original documents be mailed to me and all they would provide is an email with a Word Document. I googled the company and it appears that I am not the only person this has happened to. When I called the company to return their voicemail, they knew who I was before I identified myself and attempted to confirm my social security number and my date of birth. I refused to provide any information and they have called me a few times since.

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 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX  is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment

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 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I found out that my credit cards were being closed. I called the Chase Executive Office who confirmed that just my personal credit cards were being shut down. However, I received a letter on XX/XX/XXXX stating that my Checking Account and my Savings Account were also being closed. There was no explanation given. Only instructions on what to do before XX/XX/XXXX when Chase is going to  shut the accounts down on their own. I called the Executive Office back and received no information as to why my accounts were being closed. I then went into the Chase Branch on XXXX  XXXX XXXX  XXXX XXXX in XXXX NY and asked for an explanation as to why my accounts were being closed and again I received no explanation. 

I have had a checking and a savings account with Chase since XX/XX/XXXX. I have had direct deposits into my checking account and have never had a bounced check, returned check, etc. I, almost always, kept a minimum of {$5000.00} in my checking account and {$24000.00} in my savings account. I would like an explanation as to why my checking and savings accounts were closed without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Financial Credit Service, Inc.
State: CA

Complaint narrative:
A collection agency called my work cell phone in the middle of my work day to advise that I owed XXXX XXXX over {$3000.00}. I have never had an account with XXXX XXXX. I asked them to clarify and they said they had an affidavit that it was my debt that started in 1993! They read off my name and social security number and I said that is not my debt and I don't have anything in writing from them. I asked them for back up on this debt and a copy of the affidavit as this was 25 years ago I do not have any back-up. She collector named " XXXX XXXX '' refused and said she would forward to her attorney 's for further action. She also threatened to call my current credit card companies and have my accounts cancelled and destroy my credit which is good as I just leased a car. Not only do I think this is illegal but harassing and I would actually like to sue this company. The company is call XXXX and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
To Whom It May Concern, We have home loan with Loancare and the monthly mortgage has been paid through auto-payment of XXXX XXXX which has been running smoothly since XX/XX/XXXX. Considering the payment due date is the XXXX day of each month, we set the online payment on XXXX each month from the bank to make sure it will arrive on time. The monthly payment is {$1800.00} per month. 

This week, we received a delinquent notice from the company, being notified that we haven't paid the mortgage for XX/XX/XXXX and XX/XX/XXXX. We checked with our bank and confirmed all the monthly payments were made regularly as usual. When contacting the LoanCare company through the phone, we found out that the company didn't accept our two auto-payments in XX/XX/XXXX ( for XX/XX/XXXX ) and XX/XX/XXXX ( for XX/XX/XXXX ) as regular payments and instead considered them as non-regular payment that directly went to principal balance. They told us that the monthly rate has been adjusted, from {$1800.00} to {$2000.00} since XX/XX/XXXX ( because the escrow adds insurance for year XX/XX/XXXX without confirming with us, given the fact that we paid insurance by ourselves last year ) so not paying the full amount ( with ~100 difference ) has been considered as non-acceptable payment. This has been reported to the credit bureaus and we have been charged with {$69.00} late fee for the same reason. 

We haven't received the payment adjustment notice as they claim sent out in XX/XX/XXXX, nor we were expecting such an adjustment. 

To avoid any further consequence, we have made a new payment today for the full amount the company requested again ( {$4100.00} ), which is indeed the SECOND payment we made for XXXX and XXXX, respectively, plus late charge. 

Not talking about the inconvenience brought for our financial plan, we are concerned about the good standing of our credit we have been working so hard to build. We consider this as a serious miscommunication from LoanCare side. Since their customer representative told us over the phone that she can not do anything at this moment and suggest us to make a dispute. 

We would appreciate if someone can give us some suggestions and assistance on 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 2018-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In XX/XX/2006 I got a private loan from XXXX XXXX XXXX XXXXXXXX. I was making payments for a period of time but the payments were over {$400.00} and the agency refused to take smaller payments my aunt who is a co-signer on the loan paid {$8000.00} she had originally agreed to pay {$16000.00} to settle the account but when time came for her to pay them they refused. The lump sum was out of her retirement fund The loan amount was for about {$22000.00} now I have been sued for this account over ten years later I do not know what options I have left I have seen similar lawsuits against this same company I feel this company has treated me unethically and should be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/17 I used a 0 interest for 6 months offer from Wells Fargo and deposited {$4000.00} in my account to purchase a car. I have been charged huge account fees and interest rate when the offer was for 0 interest. I complaint 3 times and I asked for a statement that shows how the interested was calculated. All 3 times I was denied of the statement and an account representative said that the offer expired in XX/XX/XXXX. 

The 0 % interest offer was for 6 months and not for two weeks. Please instruct Wells Fargo to comply with my request for a statement that shows how the fees and interest was calculated. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 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: TX

Complaint narrative:
XXXX XXXX Reported XX/XX/XXXX 111 % Balance : {$7200.00} / {$6500.00} inquires are not mine none XXXX XXXX XXXX  Reported XX/XX/XXXX 64 % Balance : {$6300.00} / {$10000.00} inquiry details XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX , XXXX 7 ) XXXX XXXX XXXX , XXXX . 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX  Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff

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 2018-02-07 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: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/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 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
We were holding " interest only '' mortgage for more then five years and paid monthly charges in amount of {$1300.00} including taxes and insurance ( see attachment ) This is an amount we could afford and we never missed a payment. Our credit history is good.The payment varied each year depending on a rate change but never changed to much. In XX/XX/2018 we received notification from Ditech financial that our program would changed to ARM starting from XXXX and monthly payment will be {$2100.00} ( see attachment ). We can not afford this amount. We addressed the company and spoke to a loan officer XXXX XXXX XXXX # XXXX on the phone regarding possible refinancing with smaller payment charges. We were denied on the basis of insufficient income. 
What is the option then- to sell the house? Why Ditech changes the rate program without our permission? It is going to ruin our budget. 
Please help.

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