vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have repeatedly tried to correct an issue with Wells Fargo Home Mortgage about an escrow balance discrepancy. They dont seem to be willing to correct the problem. Every response has been inaccurate and has been handled by people that only call and give me lip service and wont answer any questions and dont know what they are talking about. I have no need to waste my time with someone that isnt qualified to answer questions in an intelligent manner. 

On XX/XX/XXXX they mailed out their most recent response to this issue, still saying that there is an escrow shortage. They try to spell it out line for line and in doing so they make the statement The Seller paid {$3000.00} in property taxes.

Then they attach a closing statement from the closing on the house to this letter. Where on page 3 of 5 under Summaries of Transactions, Sellers Transactions, Due from seller at closing, Adjustments for items unpaid by seller, on line item 15, it reads County Taxes XX/XX/XXXX to XX/XX/XXXX and then says the selller adjustment was {$3300.00}. 

That means that they think the Seller paid {$3000.00} when the Seller really paid {$3300.00} or a difference of {$360.00} which is pretty close to the amount of shortage that we are talking about here. 

Now when I pointed this out to the person handling this issue over the phone they responded to me It says Unpaid by Seller meaning the Seller didnt pay me for that. Are you kidding me? Is this the caliber of people that you have trying to fix this issue? I couldnt even explain that it mean t that the seller had not paid the taxes and that money was being deducted from his portion of the proceeds so some crooked escrow people could get their hands on it send up a smoke screen and set up some mirrors and just pay part of it for taxes owed? 

Who will make these people get in line? How can they be fined or cited for shady practices? Is this what its come to since they passed laws about padding escrow accounts so now they don it like this?

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 2019-11-21 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
National Credit System refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX  they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX  simply adding new dates from this year onto the account.

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 2019-11-21 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: MN

Complaint narrative:
looking to purchase a home and I noticed inaccurate and fraudulent information on my credit report. i have asked each credit bureau to remove all information not belonging to me and or not authorized by me and the information is still within my report, with no such verification and or documentation granting authorization by me. I am hereby asking each credit bureau to remove all inquiries and all negative reporting info that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX, 2019, Simple Bank had a promotion that offered a {$250.00} bonus if {$10000.00} was deposited and kept in the account for 3 months. 

I followed all of the links that went with the offer. I signed up before the deadline, and made the {$10000.00} deposit on time. I kept the entire {$10000.00} in a zero-interest account for 3 months because I was led to believe that I would be getting the bonus. 

I was supposed to receive the bonus in XXXX. Since my account was not credited, I contacted the bank and was told that I had signed up for the wrong account. The representative I spoke with was extremely rude and did not attempt to listen to my side of the story. 

The wording of their promotion was misleading and deceptive and I can not imagine that I am the only person who was scammed by this fraudulent offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems {$1000.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person, as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: NCB Management Services Inc.
State: MS

Complaint narrative:
refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited a cashier 's check and Bank of America has illegally placed a week long hold on my money. This is abusive and has happened repeatedly. They should be fined and investigated for their criminal behavior.

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have been trying to get this resolved since I noticed it on my report once I opened escrow. This debt was a result of a furniture store delivering the wrong and broken Item to me, I did not allow them to leave the item and they are still charging me for the item. The furniture store also claimed the full {$1500.00} I was approved for but I only ordered a {$700.00} item that of the {$1500.00} and once it got to me it was damaged thats why I never took possession of the item. Now Duvera has derogatory charges to my report in the amount of {$3500.00} being reported negatively since XX/XX/2018 to current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for Amex Everyday card after seeing their advertisement for XXXX fees balance transfer from any credit card. I applied for their card and was approved successfully. 

I carry certain balance in my other credit card issued by XXXX XXXX XXXX ( XXXX ). I have been using this credit card for the past 3+ years. For the past one week, I was attempting to transfer balance from this credit card to my Amex Everyday card using my online Amex account. However, I received a message that card number is not valid. Hence I contacted the customer service on several occasions to do the balance transfer. I spoke to almost four or five different people including one personnel from Balance transfer department. Everyone gave me the response that the card number is not valid. They questioned if my card number belongs to a debit account or loan account or if my card is under my name or if the card issuer is based in US. I clearly explained that card is indeed issued by XXXX XXXX XXXX XXXX based in MA, USA. Also, card is under my name and it is a credit card. I even asked the Amex customer service to validate the statement by calling the XXXX bank. But Amex responds with the same response that card is not eligible for transfer. Personnel from the Balance Transfer department confirmed that XXXX credit card should be eligible for balance transfer, and asked me to proceed with the transfer process by contacting the customer service department. However, customer service department is not able to process my request. Also, they are not willing to offer me an alternative to the internal problem that Amex faces. Amex is not sticking to the commitment that they offered before I signed up for the card. Amex did not mention that I can not transfer balances from credit cards that have been issued by XXXX XXXX XXXX, before I signed up for Amex Everyday card. Also, there are no personnel available with the Amex who can intervene in this and make decisions. Customer service people don't offer me the option to talk to their superiors or any other managers who has some decision making authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
Sequium Solutions refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
A company called Harris and Harris Ltd has been robocalling us repeatedly but we do not have any debts that are in collection. The calls and the numbers they came from were : XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX at XXXX XXXX XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have done two disputes to XXXX  and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 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 wrote a 609 letter to Experian dated XX/XX/2019 and I asked them to validate NOT verify my original signature with any supposed contract and they failed to validate the debt and provide me with the method of verification which is what my letter requested. They wrote me back and nothing has changed or been provided to validate this debt.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have done two disputes to transunion and XXXX  on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for transunion were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my XXXX  account is XXXX and on my XXXX  it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have done XXXX disputes to XXXX  and equifax on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my equifax it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: MS

Complaint narrative:
The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: MS

Complaint narrative:
The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.

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 2019-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I drew an advance of {$2900.00} from my HELOC that I have with Wells Fargo. I have auto pay with Wells Fargo and a scheduled payment of {$100.00} was taken from my XXXX checking act on XX/XX/XXXX. On XX/XX/XXXX I entered the XXXX XXXX, CA branch and paid {$2800.00} to pay off the advance. Since that time, various transactions have been posted to this account. On XX/XX/XXXX there is a principal adj debit in the amount of {$170.00} followed by a principal reversal in the amount of {$91.00} ; on XX/XX/XXXX an interest reversal in the amount of XXXX ; on XX/XX/XXXX there is an interest adj debit for {$0.00} ; a principal reversal of {$100.00} ; an interest payment that they automatically took from my XXXX checking account in the amount of {$8.00} ; an interest adjustment XXXX credit ) of {$0.00} ; and a principal payment in the amount of {$91.00} from my XXXX checking account. On XX/XX/XXXX they took additional payments from XXXX checking account totaling {$100.00}. On XX/XX/XXXX there are two more adjustments ( credit ) in the amount of {$1.00}, which makes no sense. I have requested my money to be returned to no avail. 
They have continued to take payments from my checking account despite the fact that this loan was repaid in full.

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 2019-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.

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 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have never received a single collection letter nor phone call nor any other means of collection from this company regarding account XXXX and furthermore, the report on my credit by XXXX  claims history of on attempt and one registration to the credit bureaus. Furthermore, I have never been to this Hospital and it can not possibly be about me nor anyone from my household because we have all have private insurance by XXXX XXXX and again this is not possible. At any rate, there is nothing fair reporting or otherwise by means of collection when one is not notified by mail nor phone nor by any means prior to slapping an unsubstantiated charge on an otherwise perfect credit report. Please take from these unscrupulous agencies the power to do such harm to people and to rob people of their peace and calm. Report to whatever agency needs to have this information regarding less than proper practices regarding collections and reporting of debt and have them immediately pull this off my credit report.

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