vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
My complaint is against XXXX XXXX XXXX XXXX ( Celink ). 
The company has failed to forward a disbursement request of {$43000.00} made by my mother from her Reverse Mortgage HECM Home Equity Account before she died. 

Full Complaint is listed at CFPB complaint # XXXX Please update the company name to XXXX XXXX XXXX XXXX + Celink

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Sunrise Credit services are repeatedly calling and hanging up. Once I figured out who it was the collector mini-marandia me without verify credentials such as date of birth or address and argued with me once I explained the violation. 

Pay the minimum violations fee of {$1000.00} or clear whatever debt is listed with 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 2019-05-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a notice in the mail first from Best Buy that stated that my credit could not be increased. I do not and have never had a Best Buy Credit Card. I then learned that someone also opened a XXXX XXXX and XXXX XXXX XXXX account in my name using my social security number. I have reached out to all companies as well as gotten a police report. All companies stated that this matter would be resolved and the card would be closed. However, today I received a bill in the mail with a past due notice from Best Buy with the account summary at {$1000.00}. I have already spoken with them and let them know this was a fraudulent charge.

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 2019-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

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 2019-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to XXXX XXXX XXXX torelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Midland Funding LLC has furnished some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Midland Funding LLCtorelease myinformation toathirdparty. 

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: CA

Complaint narrative:
I submitted a dispute for a company named XXXX XXXX XXXX, this company says I have a balance. This company was under my bankruptcy and it has since been discharged.

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 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a monthly payment with Synchrony bank. I have never missed a payment. They suddenly closed my account with a remaining balance without being notified. It greatly affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Second complaint regarding this months payment. They misapplied my payment then wouldnt fix it. Called the company and they stated they couldnt fix the payment until after the due date, but that It would be fixed and that the entire payment had been made and that I didnt owe for the month. Well the payment was fixed but to my surprise I receive an email last night saying my payment was overdue. I login and its overdue for {$5.00}. How is this possible when I overpaid this month? How is this possible when the person on the phone said I was paid in full for the month? Its also saying that I will be charged a late fee. Why is this when your phone rep told me nothing was due?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I want to write a complaint for Zelle money transfer service. I am a XXXX XXXX and I was looking for potential roommates off campus at my local University so I could renew the lease on the house I was staying at since some of my roommates were leaving. One girl messaged me through a common roommate website used by students called XXXX and told me she was doing an internship out in XXXX but she wants a room in the house when she returns in XXXX for summer classes. She gets me in contact with her father so that he can send me a security deposit for the room. The check I received was for {$3300.00} instead of the {$850.00} for the security deposit. He tells me his job mustve sent me the wrong check and since he is " out of the country '' as well, he wanted me to deposit the check and to send him and his brother the rest back. I deposited the check and the balance showed up in my account so I sent him {$2000.00} total through Zelle believing the money was in my account. I sent {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. For the rest of the money, he convinced me to send it through XXXX XXXX. My XXXX XXXX order was placed on hold and they told me to call them. They asked me several questions and then they explained to me that I was a potential victim of scam. I believed everything was fine until I checked my banks mobile app again and it now says that the check has not been fully processed until XX/XX/23 and I realized that the check would bounce ( it ended up being a fraudulent check ). I tried calling Zelle to report the scam and they told me it wasnt their responsibility to report anything. I understand they do not want to refund any money but all I was asking was to help me locate the account and individual where my money was transferred to but they still refused. This is exactly how scammers get away with exploiting people. They know that banks and these money transfer companies are compliant and will allow them to continue exploiting people without any repercussions. Zelle did not have effective security measures such as XXXX XXXX which successfully blocked my transaction and helped me identify that this was a scam and blocked the transaction from occuring. Now that I realized I am a victim of a scam, I looked online and there are several reports and news articles explaining that Zelle is commonly being exploited by scammers because of their lack of security measures. Meanwhile, Zelle has not addressed to their clients that their services are commonly being exploited by scammers and they did not effectively warn clients through emails or other resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Speedy Cash  Overdue for pass loan in the amount of XXXX. Was told of the phone calls and letters sent to home address but has since moved and phone number has been disconnected. Fell on hard times and could not repay loan. Only asking for more time to pay loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have an issue with deceptive practices that were used by Wells Fargo during the process of obtaining a HELOC ( home equity line of credit ). 

In XXXX of 2019 we applied for a HELOC through the Wells Fargo online banking site. 
We check our credit score regularly through a credit service that is provided by Wells Fargo. At the time of our application and throughout the loan process, the credit service had our credit rating FICO score at XXXX. 
After the application process was underway, we received a letter from Wells Fargo stating that a credit report had been obtained on XX/XX/XXXX from XXXX. This letter stated that our FICO score was XXXX. 

I contacted the Wells Fargo loan processing agent regarding the two different scores. The processing agent did not have an answer as to why there was a difference. She gave me the report processing number and instructed me to contact XXXX to inquire about the score and ask them why they had reported our FICO score as XXXX. 

The XXXX credit specialist informed me that XXXX  does not provide a FICO score, they only provide the lender with the credit report. So why the difference in scores? 
She then went on to explain, after further investigation, that Wells Fargo was using the older Beacon 5 analysis and not the Beacon 8 analysis and this was why there was a difference in the FICO numbers. 

My issue is that Wells Fargo is being deceptive. Wells Fargo provides the consumer a FICO score based on the Beacon 8 scale from the credit check services with XXXX, but uses the Beacon 5 scale and score when obtaining a loan. No where on their website or the disclosure documents does it state that the FICO score for the loan would be judged on a different credit scale.

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 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Multiple calls to family members leaving messages and over sharing details of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has the disturbing habit of making illegal, unauthorized charges on every credit or debit card number they possess. They have made at least 10 {$19.00} deductions from my debit account beginning at least from XX/XX/18 to the present. I would like the recurring charges to stop, a refund of {$190.00} and an investigation to see how widespread this practice is by Transunion.

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 2019-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I bought a car from XXXX XXXX in XXXX XXXX XXXX and the car was financed to a fraudulent claim from Santander Consumer USA. I have been paying month 1 without, any missed payment or even late. I made {$2200.00} on the capital they don't make the appropriate corrections. All my claims stayed in a deaf hear. 
What can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I received a title loan in XXXX which was paid for, so I thought. I received something in the mail that says release of lien which is signed and dated as well as a power of attorney from a place called XXXX XXXX. I assumed this was the papers that were filed with the XXXX so that they could mail me my title back. I put them away forgetting about them eventually until an emergency arose about 3 weeks ago and I needed money quickly. I then realized that they never filed the proper paperwork with the XXXX so I spend 8 hours that day getting the correct forms needed for the XXXX to remove the lien. The XXXX called to verify everything and had them send her another release of lien and power of attorney to ensure they were legitament. they were so we removed the lien and then the new lienholder was assigned. Well, on XX/XX/XXXX I was in a shopping mall about 30 minutes away from my home, and realized there was a tow truck pulling up to my vehicle. i quickly ran outside to see what was going on. he advised me that he had an order to pick up my car. I called the police and they were very nice but advised me to let him take the car and to get with XXXX  XXXX as they were the only ones showing as lienholder on my title. I quickly called XXXX  XXXX, the new lienholder who assured me that they didn't order this. My first payment was not even due yet. I have since gotten the run around by this company who has given me 100 numbers to call and no one could help me. I finally was able to get a name of a company called select management group, who still as of today has my car. They are claiming that i fraudulently had their lien removed from my title, which is definately not true, so I sent them what they gave me. Not even 5 minutes after I sent them what XXXX XXXX had given me initially they called me asking to workout a deal. This time from a local branch called XXXX XXXX XXXX XXXX. They are claiming that I still owe them money and if I can give them {$1600.00} by next friday, then two more payments of {$1600.00} twice after that within a month, then they will give me back my car. The problem is they are no longer a lien on my car so how can they steal my car from me and not give it back? They are doing it and I feel helpless as though there is nothing I can do please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I reported incorrect information to the credit bureaus and they still have not rectified the situation with XXXX XXXX and LVNV funding are both on my credit report with the same account number Both companies can not be reporting with the same account number thats double jeopardy and both need to be removed because it violate my rights I've disputed this multiple times Ive called XXXX XXXX directly and spoke to multiple representatives that said XXXX XXXX will be taking off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: CO

Complaint narrative:
I submitted a dispute on XX/XX/XXXX to Experian regarding a trade line that was discharged in bankruptcy but still shows as active and delinquent on my credit report. The creditor makes regular status updates to the account stating it is delinquent and it shows on my credit applications. The investigation was completed XX/XX/XXXX and Experian states that the entry was accurate and they refuse to take another investigation or fix the item. I submitted additional disputes on XX/XX/XXXX with Experian as there are more accounts discharged in bankruptcy that still have an open/active status.

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 2019-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
What happened I got sick I was in the hospital my income was not the same any more I had to move out of town for awhile now they are harassing people I know and they will not stop

Company response to consumer: Closed with explanation