vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis
State: PA

Complaint narrative:
In XX/XX/XXXX I sent a check to XXXX for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the XXXX reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information has been breached with XXXX and my identity has been stolen. I have tried to file a dispute on XXXX website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto credit karma only to see inquiries that do not belong to me. I see them listed on Transunion as well. 

XXXX XXXX - XX/XX/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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Minimum payments were set up on my account for a long period of time. I have not used online services since XXXX therefore the over previous minimum payment was scheduled with a representative well over a year ago. The promotional APR ended on a balance transfer offer which resulted in a payment higher than the minimum ( well over prior minimum ) due. 

On XX/XX/XXXX I spoke with a representative whom removed a work number from my account as I havent had that number in over 5 years. At that time or before my preferred number XXXX was removed. Upon delinquency prior to negative credit reporting and credit line decrease to nearly the balance which also drops my credit score, Bank of America failed to notify me verbally of a past due amount.

The company sends emails with the payment and does not disclose the current payment is actually past due.

Upon speaking with a supervisor I confirmed there is no explanation of why a payment wasnt attempted to be collected on XX/XX/XXXX which would have prevented further late charges and negative credit reporting as well as credit line decrease. 

I am requesting this matter to be reviewed for more accurate ways of handling the verification of customers contact information and debt collection attempts to be completed at every time of speaking to a customer that is past due. As of the date I spoke with customer service and removed my work number while inquiring on balance transfer and promotional APR ending there was no discussion on my minimum payment that has been in effect not covering the new payment after the balance transfer promotional APR ended. 


Please research and review this complaint. I will be in contact with an attorney to seek restitution for this matter. 

As of XX/XX/XXXX my number was updated by a temporary employee to a do not call number without my consent which prevented the delinquent payment calls. 

My payment was made on XX/XX/XXXX prior to cutoff time and on XX/XX/XXXX my calls were incorrectly routed to customer service whom said I needed to speak to collections. The automated system continued to attempt to collect a payment in which was made over 24 hours prior. 

Please contact me at XXXX to discuss this matter in more detail. 

Contact information should be validated during each call or at minimum validated that it has not changed since prior calls AND representatives should be attempting to resolve delinquent payments on an account during any discussions with a customer. I am requesting resolution on this matter immediately.

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 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I have never had a XXXX account in my life. I only have XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX contacted me today from a random number that was XXXX ( yes, only a 5 digit number ). They first lied on my vmail and said they were from the XXXX department of verification and were looking for me ( they used my maiden name ). They not only called me but they called my husband and my mother in law. I have no idea how they obtained the phones numbers for my mother in law and husband. They left messages on my vmail as well as my husband and my mother in laws threatening to sue me for a debt. I called the number left on the vmail and spoke with a representative who advised me that I was in the process of being sued for an interest on a credit that was opened in XX/XX/XXXX and last payment recieved was inXXXX. They said they sent me paperwork but I never received it because it was sent to an address that I haven't lived in for over 5 years. I honestly don't know if they truly sent me paperwork.They said I had until close of business to pay or they would pursue the lawsuit. I feel like i was mislead by the company because after recieving an email from them my name was spelled wrong and when the lady verified my dob the day of my birthday was incorrect, also after I research the presumed debt was I found out that the debt was out of the statue of limitations for my state. I felt threaten that I wld be sued, liens wld be placed on my house and car, my bank account wld be garnished as well as my wages. They also threatened to serve papers to my employer. I feel like my rights as a consumer were taken advantage of because of the threats. I felt that I was forced to pay for a debt that I dont even think I was truly legally liable to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I owed XXXX XXXX a {$3200.00} balance, in XXXX I negotiated with Diversified Adjustment Service, INC ( DASI ) the collection company for {$2100.00} to settle the debt. My bank XXXX   XXXX XXXX prepared the Bank Check and sent it to them with my Account # on it. Approx 3 weeks later, my credit union received the check back with the attached letter. The letter stated that they are no longer handling the account, send payments to " XXXX '' ... and listed the address. My bank did exactly that ( attached is the " new '' check and that same check after cashing ). After a few weeks I noticed that I received no notification that this was paid, so I called XXXX. I advised them that a check was sent to them, deposited, but my debt is still outstanding. They advised me that they never received a check!! As I stated, my account was for XXXX XXXX not XXXX. I advised them of the letter that they wrote to my bank, and that the check was cashed. They are stating to me that the check was sent back and the money put back into my bank account because the check was made out to XXXX, not XXXX. I then told them that " You are the company that told my bank to do that. '' and sent them the letter. I spoke to my banker she followed the direction of the letter, possibly thinking I made a mistake of the carrier 's name. I called my bank, the money was not deposited back into my account, the check was cashed and the money is gone. They attempted to have me pay them {$1500.00} now to settle. " I said no, you have {$2100.00} of my money, I'm not giving you more '' ... They said to me that they never received any check, and when I mentioned the letter again, they said " It could be  another Diversified '' ... I asked with the same account number? I apologize for the " ramble '' What I am attaching with this is the email from them stating that they will settle for {$2100.00}, the letter that they sent my bank along with the check for my XXXX account saying they are not handling the account, an email from my bank to me, a copy of the bank check before and after being deposited my DASI.. I hope something could be done, I would like to be able to find this money and get it back so I can talk to XXXX and take care of this. Diversified cashed that check and the money is somewhere. Please let me know what I can do to help .. Phone : XXXX email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: DE

Complaint narrative:
As a consumer on multiple instances, I have written several letters to Experian, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian is in violation of the FCRA.

I will upload both dispute letters I sent to Experian, along with the items I disputed.

I'm asking that the CFPB assist me in this matter because Experian has violated my rights to the fullest.

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 2018-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation attached.

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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was having this credit card from XXXX.in XX/XX/XXXX they charged {$49.00} annual fee for the first time without my consent ..i told them that I don't want a card with annual fee .Then they said that I need to close the a/c which I did. But they won't repay the {$49.00} that they charged as annual fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11 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: FL

Complaint narrative:
Equifax removed a fraudulent account and then re-inserted it after it was deleted. this is against the law and the FCRA. The fraudulent account below needs to be removed as it is a violation against the law to re-insert it : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and  Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
I received a letter from credit corp solutions inc . Claiming that they own the rights of a debt from XXXX XXXX and demanding full payment. I need full validation of this debt. I haven't heard anything from XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: CA

Complaint narrative:
I have notified, via certified mail, the credit bureau named Equifax 4 times to validate and verify some accounts ( 4 in particular ) on my report. The companies are XXXX XXXX & XXXX XXXX ( {$4000.00} & {$1200.00} ), XXXX XXXX XXXX XXXX XXXX ( {$670.00} ), and XXXX XXXX XXXX ( {$0.00} ). The first letter is dated XX/XX/2018, second letter is dated XX/XX/2018, third letter is dated XX/XX/2018, and fourth letter is dated and notarized on XX/XX/2018. They have all come back as " verified '' or " updated '' on my report. I asked for their method and proof of verification under FCRA section 609 and 611. Equifax NEVER sent me their method, nor any signed contracts. At the same time as my fourth attempt, with this bureau, I also reached out to the Creditor/Debt Collection Companies. I asked them to " validate '' the debt and, in response, all I received was itemized lists and statements that they say I owe. NO SIGNED CONTRACTS. I believe Equifax is using their XXXX  system to pair information and are not conducting an independent and reasonable investigation. If Equifax had conducted a proper investigation there is no way these items would remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage made unauthorized changes to the terms of the home mortgage. The bank extended the loan an additional twenty years. Thus, increasing the amount of interest that my late husband and now I have to pay. By this increase, the interest for the additional years added to the mortgage totals {$600000.00}. After the passing of my husband, they are getting mortgage payments from me and threatening to take my home if I don't pay, while I did not sign anything for this loan. Now, they are adding to the length of the loan another 20 years. 

They also increased the mortgage from $ XXXX/month to  $ XXXX/month. For a period of five years, without me or my late husband 's knowledge or consent, they did not apply any of the mortgage payments to the principal and they extended the length of the loan to another 20 years. I am paying and paying and see that my credit does not change. 
Wells Fargo sent private confidential financial information to a person named XXXX XXXX, who lives in XXXX XXXX, XXXX. Wells Fargo is a thief. I need help from somebody to put these unethical, deceptive and predatory thieves liable for their illegal and fraudulent actions. What is this 20 years they added to these payments? Please help! 

While my husband was living, he had a corporation, in which all of his receivable accounts was going to Wells Fargo ( Wells Fargo account numbers XXXX and XXXX ). Without my authorization or notice they gave these accounts to the employee of the corporation. This Wells Fargo is out of control. Please help!

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On my credit report It shows as having a secured credit card, when you secure a credit card with a CD or money it should show as a standard credit card on the report and not a secured credit card. Creditors will look at this as a derogatory mark as having to buy credit. 
The credit report should read Credit card or revolving account only not!! Secured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: MI

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.

Company response to consumer: Closed with explanation