vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX   Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX  credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX  once, and removed from XXXX   voluntarily. 

I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CFW Holdings LLC
State: TX

Complaint narrative:
On XX/XX/19, I submitted on writing a request for them to cease communication. I spoke with a representative that day as well. I received an email from them on Friday XXXX19. Today, XXXX I received 10 calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20  of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming 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 2019-03-25 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:
XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming 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 non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
FCO has been trying to collect money from me for an apartment that moved out of and paid in full back in XX/XX/XXXX. I gave the leasing office a 60 day notice as I had gotten a new job to relocate out of state. I told The XXXX XXXX  XXXX prior to signing my lease that I would probably be moving due to my job and they said it would not be a problem as long as I give them a 60 day notice, which I did. I was told when I moved out XX/XX/XXXX and gave them the keys that I did not owe anything because I gave them the 60 day written notice. At that time I moved from XXXX Florida to XXXX XXXX and they said I was good to move with no more financial obligation. I began seeing Fair Collections and Outsourcing on my credit report late XX/XX/XXXX and immediately I started disputing with the credit bureaus. I've been disputing with the credit bureaus every since. They claim I owe a balance of {$2900.00} and that is not the case. After dispute after dispute, in XX/XX/XXXX I finally saw that XXXX had removed it from my report but the other reports still shows the collections so I contacted the collection company directly. They were extremely rude and threatening to sue me. Just to be done with them I sent a pay to delete letter, just to get them off my report so that I can find a decent place to live. I called back a few weeks after I sent the letter and was told they were willing to settle for {$700.00}, please keep in mind I never owed anything per the apartment complex. When I tried to contact the apartment complex they say contact the credit bureau, the credit bureau say contact the collection agency, it's a vicious cycle. Anyway, I agreed to settle for the {$700.00} and they said they would be emailing me a confirmation of that pay to delete settlement amount, 3 weeks  later, no letter and now when I call I get someone different everytime who claims to know nothing about the agreement and demands me to pay the XXXX in full. This has gone on long enough, I want my account deleted because I don't owe the debt they are claiming. I was merely trying to settle to finally get a decent place for me and my kids to live. 
This company continues to harass me even though I've tried to work with them, now they are threatening to sue. This is beyond ridiculous. This is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.

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 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC BANK-they are very deceitful. 

Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. 
They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  Delaware XX/XX/2018 I have sent a written letter to TransUnion and I called them Personally. They said they could not help me dispute the inquiries and that they will stay on for two years.

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 2019-03-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Received " your card won't be reissued '' letter dated XX/XX/XXXX from Citibank " due to a bankruptcy or a charge-off '' Phoned Citibank, they say they can not say reason, and to check XXXX. 

Credit reports from XXXX and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.

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 2019-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a VA Home Mortgage in XXXX through Wells Fargo National Association. In XXXX after my divorce, my ex-husband applied for a new VA home loan to take over the mortgage. Wells Fargo refuses to send me a copy of the closing documents we signed in XXXX with closing attorney XXXX XXXX. I have tried to get the closing documents from XXXX XXXX, but he stated, he does not have any copies of the closing documents. 

I have asked Wells Fargo to send me a copy of ALL of my loan documents, I need a copy of the original loan documents in XXXX and the closing documents I signed in XXXX. 

My loan documents were changed and altered after I signed them in XXXX. 

I have NEVER been released from the original loan. 

My ex-husband and I met a the closing attorneys office in XXXX to sign closing documents, but I recently learned, they never issued a new loan. Wells Fargo did an assumption instead, so why did we meet with the closing attorney?

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/XXXX Sent a letter to the 3 credit bureaus to remove a debt from Hunter Warfield Inc. off of my credit report and provided supporting documentation. 
XX/XX/XXXX Made a payment in error due to a mistake and trying to clean up credit report to move into an apartment immediately. 
XX/XX/XXXX XXXX and XXXX sent me a letter stating that Hunter Warfield Inc. was deleted from my credit report based off of the letter and supporting documentation I sent to them. 
XX/XX/XXXX I emailed Refund Request for Payment to Hunter Warfield Inc. and provided supporting documentation that the payment was made an error. 
XX/XX/XXXX I faxed Refund Request for Payment to Hunter Warfield Inc. 
XX/XX/XXXX I called for Refund Request for Payment to Hunter Warfield Inc. and requested verification letter. I was informed by the Supervisor that they were waiting on a response from the original company and needed an answer from the client. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. " XX/XX/XXXX Hunter Warfield Inc. emailed verification letter. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 
XX/XX/XXXX Hunter Warfield has received the resolution to your dispute and we are unable to process a refund due to the fact that you voluntarily paid the account. The deletion from your credit has already been processed and if you have more questions regarding the process, please contact the credit bureaus for further assistance. 
XX/XX/XXXX I informed Hunter Warfield Inc. that I will be contacting a lawyer and the federal trade commission in regards to this matter wrongfully practice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America credit card/credit information was stolen and three ( 3 ) fraudulent purchases were made ( XX/XX/2018 ) with my card. I reported this to the bank within a few days and they have only responded one time stating the card was present at teh time of the transaction and failed to credit my account for the fraud. I submitted a police report as well with the XXXX, TX police department regarding this fraud/theft. I resubmitted a second request ( XX/XX/XXXX ) for the bank to look at the fraud case and they have failed to respond in writing or by phone over 30 days. The bank is not providing a timely response, not providing sufficient phone or email support to remedy my case and not protecting the card holder credit information with authorization security features.

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 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We had to go thru XXXX to keep our home due to my unemployment for a few months. Thankfully they paid the full balance on the account ( based on the delinquent amount and statement that was given to us by freedom mortgage ), and we were off to a fresh start the end of XX/XX/2019. The full delinquent amount was given to us by freedom and mortgage as all documents were collected and we went to closing with XXXX and the check was then sent to freedom mortgage to cover everything that was past due. XX/XX/ 2019 freedom mortgage received the check. We were happy to begin a new start and was given our monthly payment which started in XXXX. XXXX comes and we submit that monthly payment. XXXX I actually looked at the statement it was {$8800.00} past due. They claimed we had $ XXXX in negative escrow and they took the money from XXXX and applied it to the negative escrow and leaving us still past due on the Acct, and {$960.00} in late charges! After receiving a check from XXXX, freedom never communicated this negative escrow to us, nor did they instruct us on where the money would go and they never told us we would still be behind on our mortgage! After an hour long phone call today XX/XX/2019, they ( XXXX ) showed no compassion for our situation bc now its showing late or delinquent on my credit report and account not in good standing. The representative only submitted a request to the department that handles these situation and they will get back to them and let us know their response? We asked to speak to a supervisor and was told the supervisor was busy and would have to give us a call later today ... ( no call yet ) ... 

So basically XXXX gave Freedom money to XXXX out my past due amount and put our account in good standing and one month later we owe {$8800.00}? Heartless. The communication with freedom mortgage is horrible. Each rep gives different information. Theyre never on the same page. It take way too long to get things resolved, which almost always never get resolved! Its sad because this is our home and we are back to where we started! Terrible!

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a call from phone number XXXX. She stated that I had a debt with US Bank that was from XX/XX/2010 and that they were gon na start to garnish my wages. This is fraud. I have never had an account with US Bank. They have all my information. I would like to know what are my next steps

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 2019-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient Student Loans did not pass on any information regarding how to apply for different loans or change to a new loan provider that would allow for a forgiveness option for being a public servant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: AL

Complaint narrative:
Recently my mortgage was transferred to PHH Mortgage Services who notified me that {$120.00} in late charges. There's been no interruption in my automatic payments and it was transferred from the previous mortgage holder. I would like an explanation to the fees because I don't believe I have missed a payment. PHH insists they have the right to collect the debt from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In connection with Ally Financial : this company has been horrible to work with. In the last year since purchasing the vehicle, repeated requests for statements so that we could make timely payments were ignored. We got fed up and refinanced the car through XXXX in XX/XX/2019. We were provided with a verbal 10 day payoff. XXXX paid that amount and added {$200.00} to the payoff as a pad. Ally claims we still owe $ 10+ over and above the payoff amount and refuses to release title to the car. We have sent checks to the payoff address provided, one for {$10.00}, one for  {$11.00} and one for {$15.00} and Ally to date has refused to apply payments. Ally has also refused our several requests for a complete breakdown of how the payoff issued from XXXX was applied. XXXX Ally it seems that we are not the only ones who have had bad experiences with this company. I just want the title released to XXXX and a complete accounting of how the payoff from XXXX was applied : we should not have been short.

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 2019-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested an investigation of error on my credit report back in XX/XX/2018. My understanding was that the credit bureaus were supposed to complete their investigations and respond back to me within 30 days, or the contested items would be deleted. As of today, I have not heard back from any of the bureaus, and the disputed accounts are still reporting. I have even sent two follow-up letters ; both of which have apparently been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX has HIRED Diversified Consultants Inc as the collection agency to try and collect a debt. They are USING an INTIMIDATION TACTIC by placing the DEBT on my credit reports WHILE they are TRYING TO VALIDATE THIS DEBT. I have NO signed CONTRACTS WITH THIS FIRM THAT OBLIGATES ME TO THIS DEBT and the fact that they placed it on my XXXX, XXXXXXXX  & XXXX   Credit Reports is a violation of the FAIR CREDIT REPORTING ACT & FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation