vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to me.

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 2018-02-25 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: TX

Complaint narrative:
The below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.

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 2018-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc.
State: MA

Complaint narrative:
I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went to pay my PayPal bill on XX/XX/2018 on line. Could not bring up payment screen. Called PayPal about the issue and was told my account was on hold for Bankruptcy, I informed them I am not bankrupt, never have been, nor filed for bankruptcy. Was put threw to their investigation department, was told to call back in 10 working days which I did. Was told that I was still under investigation. That I would get a phone call or letter to the results of this investigation. Almost a month has passed still no call no letter. Account still frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
XX/XX/2012, {$8900.00} ... incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
XX/XX/2012, {$8900.00} ... incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been signed up for a {$19.00} service from TransUnion. It started on XX/XX/2017, and I've since been charged on XX/XX/2017, XX/XX/2017, and XX/XX/2017. I never contacted TransUnion to set this service up. The only way I even discovered what it was is because the bank statement says " TU *TRANSUNION XXXX CA '' and on their website it looks like their monitoring service is the same {$19.00} price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I attempted to use my debit card to make a purchase and it was declined. At that time to my knowledge I still had funds in my bank account. I returned home and called my bank and was told that a lien in the amount of {$1800.00} was placed on my bank account. This was a huge surprise to me as I had no prior notification that this action was being made. After doing some investigating I found out a few new pieces of information. An apartment complex that I had lived in previously was trying to charge me and my girlfriend for miscellaneous things such as carpet replacement and cleaning service ( which we did not ask for ) prior to us moving out. These items totaling {$1400.00}. We tried on numerous occasions to get an explanation for these charges and were never contacted back. I had to get the invoice from the debt collector on the day I discovered the lien. I would have been more than happy to go to court and fight these charges or at least come to some sort of arrangement but neither myself nor my girlfriend received a summons to court. I looked online on the day the lien was placed and discovered our court date was XX/XX/XXXX. We were told that our summons were mailed to her grandmother 's address and taped to her door. Her grandmother never received anything taped to her door. I have spoken with the collection agency on 3 occasions and was met with impoliteness and large lack of empathy. I was given an offer on the day I discovered the lien to pay {$500.00} and they would remove the lien and set up a payment plan and they gave me 2 days to make a decision or the offer was no longer valid. They made this offer after seizing my bank account and all of my funds. The 2 occasions after in which I have spoken with them I have been told the lien will stay unless it is paid in full. I was never properly notified of a court date or a lien being placed on my bank account and I find this to be severely unfair. In fact, the collection agency sent only 2 documents in the mail, postmarked for XX/XX/XXXX, notifying me of the debt, but they seized my bank account on XX/XX/XXXX. As you will see in the images attached, a notice and delinquent notice were postmarked and sent on the same day but dated one day apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: SC

Complaint narrative:
I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX {$890.00} On the above mention date XXXX XXXX XXXX   responded to a letter that I sent to them and the credit bureau to validated the negative items that they have been reporting on my credit report. I ask the credit bureaus and Midland to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Midland did not send me a letter to dispute the debt, they just went ahead and add it to my credit report with no means of contacting me, I didn't have knowledge of this until last year, when I started pay close attention to my credit report because I kept being denied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: FL

Complaint narrative:
IN XX/XX/XXXX i WAS SUPPOSED TO RECIEVE THE AMOUNT OF XXXX FROM XXXX XXXX XXXX XXXX A CUSTOMER OF WELLS FARGO BANK AND IT WAS A AGREEMENT AMOUNT PER OUR CONTRACT. XXXX XXXX XXXX KEPT PROMISING TO PAY THE AMOUNT SINCE XXXX OF 2017 AND WROTE TWO CHECKS THAT BECAME NON SUFFICIENT FUNDS TO SETTLE THE AGREEMENT. 
HE STATED THAT HE WOULD GIVE ME MORE DUE TO THE FACT THAT HE WAS LATE IN PAYING THE AGREEMENT. I ATTMEPTED TO CASH THE CHECK AGAIN WITH WELLS FARGO AND REPORT IT TO WELLS FARGO BANK AND THEY DO NOT HAVE A BAD CHECK RESOLUTION DEPARTMENT AND THAT I CAN NOT ATTEMPT TO CASH THE CHECK ANY LONGER AND THAT I HAVE TO CONTACT THE PERSON WHO GAVE ME THE CHECKS. I DEPOSITED ONE OF THE CHECK INTO MY BANK ACCOUNT XXXX  XXXX XXXX AND IT CAME BACK NON SUFFICIENT FUNDS. 
THIS AGREEMENT BETWEEN XXXX XXXX AND I WAS TO DO A FINANCIAL INVESTMENT WHICH NEVER OCCURRED AND HE ALSO, WROTE BAD CHECKS TO MY FRIENDS IN MORE AMOUNTS AND THEY TO WERE NON SUFFICIENT CHECKS. THE POINT IS THAT WELLS FARGO WILL NOT INVESTIGATE THIS MATTER AND ITS THEIR CUSTOMER AND THEY LET XXXX XXXX CONTINUE TO HAVE A CHECKING ACCOUNT AND WRITE BAD CHECKS AND NOT CLOSE THE ACCOUNT TO SUSPEND HIS PRIVILEGES. I DID REPORT IT TO THE XXXX XXXX XXXX POLICE DEPARTMENT BOTH INCIDENTS BECAUSE WELLS FARGO WILL NOT TAKE ACTION. THIS OCCURED IN XXXX XXXX XXXX FLORIDA WERE XXXX XXXX LIVES AND DOES BUSINESS WITH THE WELLS FARGO BANK ON XXXX XXXX AND XXXX XXXX. 
THATS MY COMPLAINT.

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 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NC

Complaint narrative:
I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late  charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.

Company response to consumer: Closed with non-monetary relief