vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 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: TX

Complaint narrative:
XXXX   XXXX  has ever  XXXX  credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized  XXXX   XXXX  to inquire about credit.      XXXX   XXXX  Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  + Finance

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 2017-06-14 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: SC

Complaint narrative:
Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had a judgment from  XXXX  that was settle for the amount of {$1200.00} and was paid by  XXXX   XXXX   XXXX  on  XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from  XXXX   XXXX  firm, on behalf o f LVNV Funding, who  is supposedly collecting the debt for  XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized Cap One to inquire about credit. Cap One Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized XXXX XXXX to inquire about credit. XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.

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 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This medical debt was associated with emergency care while on a trip to Florida in 2014. I am a veteran I use Veteran health care system the Veterans administration was legally bound to cover this medical expense. the payment should have been made by the VA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XXXX   XXXX  passed away  XXXX   XXXX   XXXX . We have tried to close this account several times but  FNB Financial Services LLC.  refuses to let us close this account because we do not have a short certificate.  XXXX   XXXX   (  my mother ) had a will but it was not registered. My dad is now  XXXX   XXXX   XXXX  and this the last item he wants to handle before he passes away. My dad tried to list t he Interest  from these  XXXX  accounts on his  XXXX  Tax return but  XXXX  &  XXXX   XXXX  would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    Wells Fargo     XXXX   XXXX   XXXX   XXXX   XXXX     Please  remove from my report at all three credit bureaus.

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 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX  LOCKED my XXXX Pension Plan. XXXX  Electronic Deposit XXXX Pension Plan {$2500.00}.
<P/>
Please investigate as the sane " HOLD PATTERN '' has developed involving our Bank account and our daughters separate Bank account ( XXXX XXXX ) at the US Bank in XXXX XXXX Wi.
<P/>
Problem : We treated our family to Dinner at XXXX XXXX my Visa Card and My Wife 's Visa Card were DECLINED! We called the US Bank Main Headquarters and they said that they could n't HELP us at that time ... needless to say we were embarrassed while waiters, waitresses circled us and customers ogled us until we figured out a way to pay the bill in cash!!.
<P/>
We talked to the US Bank Manager on XXXX XXXX ... she said something to the effect, " it was on hold for a short time like ... no big deal '' [ A very SUPERIOR acting Person and Arrogant at the same time ] It is a Big Deal ... We trust the Bank to be professional when we trust them with our hard earned money ... we do n't trust US Bank anymore!! USB needs a better training training program on handling money and interacting with customers!! ... FINANCIAL MISTAKES are unacceptable.
<P/>
It makes me wonder if US Bank is a little short on cash??
<P/>
My wife and I are both XXXX and Elderly ... now we 'll have to travel an extra 20 Miles to do business at a more friendly US Bank .... is this, " Financial Elder Abuse or Racial Abuse ''.??
<P/>
Strike out racial abuse from comment. I was very upset at the time and didnt mean to say that.

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 2017-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CJA Auto Sales, Inc.
State: NV

Complaint narrative:
Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have had an account with US Bank but was never told that they put ch ecks through 24 h r/day. I asked for this policy in writing but they do n't have it in writing and never did. I had a check go through at  XXXX   XXXX , which I did not know was possible. I have had a number of overdrafts and have now realized its because the check went through in the middle of the night and I wake up with an overdraft posted, when I had looked at my account the eve before and it was positive. Ive asked what the business hours are at my bank and I 'm told they are  XXXX  to  XXXX . I assumed that that 's when business is conducted and not the middle of the night. Now I realize that checks can go thro ugh 24/7. No one told me that and it is not in any of the bank brocheres they have given me. It is not printed anywhere. I checked with the banker. This is deceptive practice.

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 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.

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 2017-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  remove from my report at all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors.   I contacted the phone company and said I do not own anything. It 's affecting my  credit score  for price I paid. I need it to be removed from my credit report.   Thank you.

Company response to consumer: Closed with explanation