vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This writer had an account with XXXX XXXX XXXX in XX/XX/XXXX and canceled said account within the time line stated in our agreement with XXXX XXXX XXXX. XXXX XXXX XXXX saw their error and corrected said error. The case number with XXXX XXXX XXXX is XXXX. ( See attached email document from XXXX XXXX XXXX ) However, before the correction was done XXXX XXXX XXXX forwarded the account to Sunrise Credit Service ( XXXX    ) a collection company. XXXX   was informed by XXXX XXXX XXXX via email that this account was not owed by this writer and was sent in error to XXXX. 

This writer phoned XXXX   on XX/XX/XXXX to have them remove this collection account from all my credit reports ASAP. XXXX  refuses to discuss said account with me since they no longer  have the account, and refused to purge said collection account from all my credit reports, even though XXXX  was instructed to purge said collection account from this writer 's credit reports ASAP by 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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter to Experian dated XX/XX/2018 informing that there is a negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but they did not address the issue. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, Experian also received the same letter, dated the same as well.

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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: NY

Complaint narrative:
Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: EQUIFAX, INC.
State: WY

Complaint narrative:
As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Financial Credit Network Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Financial Credit Networks, demanding that they verify | validate a collection account they are reporting to XXXX, XXXX and XXXX.

In three ( 3 ) separate letters, I disputed that this is not my account. I've demanded that FCN provide me with an application, contract, consent forms or financial responsibility form, bearing my signature, validating that this is my accoun | debt.

FCN, has not provided me with any of the documents that i requested. FCN continues to violate the FCR by not providing me with these documents to validate this collection. FCN continues to report inaccurate information to XXXX, XXXX and XXXX. When XXXX, XXXX and XXXX have requested FCN to verify the debt, they respond to them with verified debt, knowing that they have not verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I opened a charge card account with American Express and being promised that I will get XXXX reward points after spend {$2000.00}. 
I received the reward points after I made a car rental deposit at XXXX and American Express took the reward points back after I return the rental car and get my deposit back. I called to ask American Express what's happened they told me they thought it's a purchase and return so they took the points back. 
I explained what's happened and the customer service told me no worry I will get the points back if I reach the purchase of {$2000.00} before XX/XX/XXXX. I did more purchase and reached more than {$2000.00} at XX/XX/XXXX but did not get the points back. 
I called back to American Express they told me just wait 8 to 12 weeks I will get the points. After more than 12 weeks, I called back again and been told I will get the answer after 10 business days.

After more than 2 weeks, I called them again and they told me my purchase at XX/XX/XXXX is too late. I point out I was been promises I just need reach the purchase of {$2000.00} before XX/XX/XXXX, but the customer service said she can not reach the records and will do nothing to help me. 
I had called American Express so many times and each time they ask me to explain the whole story again and the only response I got is longer waiting time and trying to sell me more credit card from American Express. I was trust American Express so I moved my major charge card and credit card account to them when their sale promised a great service. I did not expect the service will be like this and even more the customer service lied to me. 
Today the customer service lady said she can find no one to help me and there is no customer compliance number for American Express. I do trust CFPB is the only way I can let them know how much they can hurt the credit card business when lie to a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I attempted to pay my mortgage on XX/XX/18 through online processing. I have my bank account saved, and selected it. I received the email notice confirming my payment. A week later ( XX/XX/18 ) I realized the payment had not hit my bank account. I called the mortgage company to check on the status. At this time I was told that the payment didn't go through, but they would process for me using my saved banking information. I agreed, and once she completed the process I asked if the late fee could be removed since I had attempted to pay on time and the payment processing didn't work. The representative initially agreed that they could cover a portion of the fee. When I asked if they would cover the entire fee since I had never had a late payment she then agreed. I received an email the next day confirming my payment, for the second time. Another week passed and once again I noticed on XX/XX/18 that my payment had still not processed in my bank account. At this time I called the company again. The representative stated that the first time I attempted to process there was a digit missing on my bank account number ( which was saved ). She wasn't able to determine what happened the second time when the representative processed over the phone. I asked if the fee 's could once again be removed since I had now attempted to process payment twice and she stated that since " it was my fault that it didn't go through '' that they wouldn't cover the fees. I explained that the initial late fee that had already been removed could technically be considered my fault, but that was not the fee in question. The fee would be related to the second payment processed by the representative. 

At this time I have payed my mortgage, but there is now a fee left open on my account, in addition to a negative mark on my credit report for " late Payment ''.

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 2018-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
my initial mortgage was with XXXX XXXX. tbey sold to XXXX or XXXX. now it seems to be TIAA the problem is the loan modification did not reflect 10+ years of payment. it cites the original loan of XXXX plus 2 years of back pay. 

payments were made. i tried bankruptcy 2 times. each time the lawyers failed. one dod not make payments. the sconond lawyer also failed. made copies of 1st bankruptcy. then the XXXX XXXX court in XXXX garnished 150 % of my wages before anu scheduled court hearing. the payments were again not made and the lawyer failed to tell me of any thing. i was stuck to never know then was harshly accused by staff at court i proceedings i was not part of. 

the loan modification i am trying to do. the words keep changing and the phone number they ( TIAA ) changed purposely. i have court notification of 2 lawsuits against XXXX XXXX bankruptcy court and XXXX lawsuit on XXXX/XXXX. 

the companies representing XXXX are bankrupt and out of business. 
big fiim in XXXX. collections agency also out of business. 

i submitted all my documents. i have been trying to get hud or certified counselors. they failed on the message and argued with me citinv i was wrong. 
i have documengs of each company coted. XXXX XXXX, XXXX/XXXX and tiaa. each different amounts with rears tha are more than my orgonoal mortgage amount it seems.

this is wrong. the threats. the wrong and illegal misjandling from government officials who took oath and this deal with tiaa. 

i also question your counselors. the paperwork needed and the illegal acts of many eho require money that is is XXXX minimum to help. 

i am not a millionaire. i can sell this and have a house that should be worth much more than they say. i only want my life back. to be hurt emofionally and mentally thst took a toll on my pbysocal health is killing my body. an onset of XXXX from overworking last year and the garnishment that went and was hidden to go back to the courts. 

all illegal and i am praying in your care that this gets stopped. banks and illegal government proceedings. i am resilient. 
i will co tinue my paperwork. i am looking into lawyers so they will be held to the highest standard woth cleari g my name in every way. 

my home is mine. i did nothing wrong. i trusted the system broken. now i am being punished for their corrupt ways. please help. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear rep, i am submitting this complaint because my credit report has significantly bin damaged by your reporting i was never late on my account the only reason i was late is because you had the wrong address on file i have spoken to one of  your reps and they even told me that you got return mail and that the statement never got to me so i ask that you please update this account to reflect a current on time payments for XXXX and XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.

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 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ending balance is positive and my available balance is negative, so Wells Fargo is still charging overdraft fees on the positive balance. 

If done correctly, there should be no fees, and on days when there might be one fee, they have switched things around so there are many.

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 2018-10-10 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: PA

Complaint narrative:
I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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:
I have sent police reports and identity theft affadavit to Transunion due to severe identity theft and fraud of my personal information. Transunion has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, to name A FEW. 

When I spoke with Transunion they stated that they would like for me to provide a 2nd police report about identity theft, despite my having proof they received the police report. They have placed a fraud alert on my file but continue to allow fraudulent request to be processed. When I spoke with another representative they stated I must send letters to all 40+ creditors and request that they remove the inquiry. However, I did not authorize the inquiry nor should I be repsonsible for this activity when they are fully aware of the fraud since last year. ( XXXX ) This issue is damaging my ability to work, obtain credit and provide a truthful file to your clients who purchase credit files for decision making purposes. Please correct this issue.

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 2018-10-10 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: GA

Complaint narrative:
There is an account from XXXX XXXXXXXX that was removed from my XXXX and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union falsely threatened legal actions, falsely threatened to to contact my commanding officer, misrepresented credit consequences of falling behind on my loans, and illegally froze my accounts from XX/XX/XXXX - XX/XX/XXXX. The CFPB ordered them to pay the members for Improper Debt Collection. This is my second complaint because I made a mistake and put the routing number and not my account number.

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