vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This company has left me and some family members several voicemails. They leave a case file and announce that legal action may be filed against me in all of these voicemails. When I call them back they refuse to say they are debt collectors but say they are a litigation firm and my only options are to settle my debt with a company they refuse to name or they will sue me. They refuse to provide any proof that they own this particular debt. They simply keep repeating the montra pay up or we will sue you. I have asked them to quit contacting me on several occasions now. 
The phone number they use changes every few months but most recently was XXXX ( XXXX ) 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 explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
clear violation on my report balance are inaccurate inquires are not mine some are ftc violations clearly states 7 different name which is violations of the fcra i only have one name on my driver licence

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 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Revenue Management, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I looked at my credit report and saw that there was a delinquent account added by American Revenue Management ( XXXX ) XXXX-XXXX for {$4200.00} that was openned XX/XX/18. I called the number and the person on the phone read letters that were supposedly sent to me but I never received. None of these letters stated my right to dispute this debt that was placed on my report. This is a violation of the fair credit act. This is not my debt. I demanded they remove it from my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Keeps calling my phone

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 2018-09-26 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX  showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : Mercantile Adjustment Credit Agency who totally botched : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: BB&T CORPORATION
State: FL

Complaint narrative:
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : 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 explanation
Consumer complaint received 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft for the past three years. I have a valid Police Report and I was requesting blocking of fraudulent inquiries ( i.e. applications for credit ) in accordance to FCRA 605B. The customer service representative denied 605B Fraud Block and stated that the investigation has to take 30 days. I asked to be transferred to a supervisor and I was told that the investigations has been filled already, therefore, she is unable to block as per the pending investigation. I specifically requested to have that information blocked in the first place, while the 30 day investigation is pending ( in compliance with FCRA 605B ), however, both the customer service representative and the supervisor were unaware of FCRA 605B Block or they willfully did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Facing foreclosure on XX/XX/XXXX. For over a month I have tried to obtain proper payoff & reinstatement quotes from Wells Fargo. Wells Fargo continues to delay, obstruct, and not answer pertinent questions to make the either the payoff or reinstatement.

As of today, XX/XX/XXXX I have no valid payoff / reinstatement quotes for a XX/XX/XXXX foreclosure date.

This is common as I received the attached XX/XX/XXXX payoff / reinstatement quotes via email on XX/XX/XXXX at XXXX with a good thru date of XX/XX/XXXX XXXX.

I specifically asked Wells Fargo the below question on CFPB complaint # XXXX, and Wells Fargo specifically refused to answer in their XX/XX/XXXX response ( attached ).

Biggest issue is I have is the 1 mortgage with Wells Fargo, but 2 loan balances.

Mortgage - Wells Fargo Loan # XXXX 1st Loan Balance per XX/XX/XXXX Payoff = {$760000.00} 2nd Loan Balance per XX/XX/XXXX Reinstatement Quote ( attached ) and XX/XX/XXXX Wells Fargo Letter detailing the remaining loan balance after reinstatement payment ( attached ) = {$840000.00} Why is there a {$84000.00} difference in the total amounts due?

I have one mortgage, not two, and I should have one overall loan balance on one mortgage, not two drastically different loan balances on one mortgage.

I again ask, please detail why the difference and if in error, remove the {$84000.00}

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 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX.

All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options.

On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief.

On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before.

On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore?

I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: OK

Complaint narrative:
clear violation on my report balance are inaccurate inquires are not mine some are ftc violations clearly states 7 different name which is violations of the fcra i only have one name on my driver licence

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/2018, I discovered a steep and sudden increase in the interest rate on ly business account, from an already outrageous 14.99 % to 18.99 % in one month. I have been a customer with American Express since XXXX who has always paid on time. I spoke with several representatives who called themselves " supervisors, '' XXXX, XXXX and finally XXXX XXXX who claimed that I paid on time, that I did nothing wrong, but after " reevaluating '' my account, this spike in interest was fine. XXXX would not allow me to speak to anyone in a position above hers to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX I asked them to update my account payment status on my credit they refused.

XX/XX/XXXX I entered I knew settlement agreement and I am current on my payments.

Also my current balance is XXXX not what they have posted online they will not update

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 2018-09-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I feel that I am being ignored in my requests to have outdated information removed from my credit report and I am taken aback by this unprofessionalism. After I wrote Transunion a dispute letter in XX/XX/XXXX to their offices in Pennsylvania I later sent a dispute via this secure website, please see dispute 's # XXXX and XXXX. I felt as though their responses were very generic and that was frustrating for me. I was told in both emails that they would get back to me and they have not. I can not imagine how the disputes were closed without any valid information in it and another was marked as a duplicate. Who is allowing them to get away with this? Is this a legal and proper response? The accounts still have no remarks of disputes and the status ' have not changed since XX/XX/2012, that tells me no investigation or confirmation of information was obtained. I was forced to provide my feedback both times discussing how Transunion handled my disputes and I remarked that they did not address my issues or conduct and investigation 's with the companies or included inscriptions and procedures. Which is why my 2 feedbacks mentioned that this agency did not do what they said they would and I also gave my feedback that I do not understand their response or their results because I see no change.

I am referencing XXXX/XXXX # 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 explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i

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 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i

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 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
Attempted to validate the alledged debt on my Transunion credit report for XXXX XXXX acct # XXXX. Transunion failed to validate this account properly and remove it from my credit report. There are many inconsistency as you will find attached.

1. In the response from XXXX XXXX, they sent a copy of the application, as you can see the date of birth, social security number, and drivers license is all blurred out. How can Transunion say that they verified this information is mine, when the OC send over information that is missing/covered up.

2. On the application, it also says my current employer at that time was 'County ' ; I have NEVER worked for the county I live in or any county for that matter, and it shows current, past employers on my credit report.

3. They have on the application that my cell phone is XXXX and my work phone at that time is XXXX. I have NEVER had any of those numbers belonging to me, and NEVER have I worked for an employer with that phone number as well.

ALL OF THE INFORMATION ON THIS APPLICATION UNDER MY NAME IS INCORRECT AND DOES NOT BELONG TO ME.

Lastly, if you look on the summary of billing they provided me, the numbers do not match up either. All of the information is incorrect and it does not be long on my credit report.

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 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
when the federal rate increased my payment would increase and when it went down my payment would go down. When the last federal rate increased they lowered my mortgage payment. I called them and asked why they did that. They said they get more interest that way. I have been paying on this loan for 22 years and that has never happened. Is this legal? How will my loan get paid off in 8 years with them doing that? Are they doing that to others. MY account number with them is XXXX. Please help. 

Cordially yours, XXXX XXXX Phone number is XXXX I think part of my msg. disappeared. The mortgage co. is Ditech Financial LLc pob XXXX XXXX XXXX SD XXXX

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