vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
on  XX/XX/XXXX  I contacted Transunion Credit bureau after having being notified through   XXXX   XXXX   credit monitoring app I use, that my information was sold on the back market, so Immediately I reviewed my credit report & saw inquiries from   XXXX   XXXX   on   XXXX   XXXX  , 2017 &  XX/XX/XXXX ,   XXXX   XXXX     XXXX   XXXX  , 2017,  XXXX    XXXX   XXXX  , 2017 I did n't authorize. I contacted the creditors and I was informed by them to contact The credit bureaus, So I first contacted transunion on  XX/XX/XXXX  and was told I needed to contact the creditors and request the ok to delete letter from them, I was again told to contact transunion since it was fraud, so on XX/XX/XXXX I contacted them and let them know that they needed to look into this & investigate it, I was assured that it was going to be looked into. In the mean time it was recommended by another credit bureau I file a police report for fraud, so I did on Friday XX/XX/XXXX and faxed it into transunion in hopes that this would get this matter finally resolved, I then called them the same day and was told a representative they received the report and they would investigate it, I was a little leery about it, given all the back and forth, so I called back Monday XX/XX/XXXX  and was told they did n't receive the 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 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through foreclosure..

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 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NV

Complaint narrative:
XX/XX/XXXX and  XXXX  I earned  XXXX  with shift gig ( an app that schedules jobs at the convention centers for people like me ) I called pay pal around  XX/XX/XXXX  and asked for my account number/routing number for my existing account and she gave it to me ( it ended up being an incorrect acct number.
See Email Attachment but below is what  XXXX  sent to me before he started denying that I called and that paypal gave me an incorrect account number.
incorrect acct number  XXXX  correct account number  XXXX  {$140.00} See attached Email conversation for the details but this is the first letter  XXXX  sent to me..
Dear  XXXX , Thank you for contacting the office of President   XXXX   XXXX  . I am part of the Corporate Response Team and I will be assisting you with your concern.
I understand you have concerns regarding on your Netspend card account.
Although I have been unable to reach you, I wanted to apologize for the wrong information given to you about your deposit. We will address the agent involved. Due to your deposit posting on another account, you will need to contact the originator.
If you have additional questions or concerns, please do not hesitate to contact me at the phone number below.
Thank you,   XXXX   XXXX   Sr. Analyst, Customer Experience Netspend, a  XXXX  Company   XXXX   , TX Office :   XXXX   netspend.com

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Omega RMS, LLC
State: CT

Complaint narrative:
Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.

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 2017-08-03 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:
I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX XXXX XXXX. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

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 2017-08-03 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: GA

Complaint narrative:
I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

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 2017-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC
State: PA

Complaint narrative:
I WAS TOLD BY XXXX XXXX THAT I WOULD N'T BE CHARGED FROM MY CREDIT CARD UNTIL I SIGNED AN APPROVAL. WELL OF COURSE AS SOON AS I GAVE HIM MY CREDIT CARD, I WAS CHARGED THE NEXT BUSINESS DAY. I HAD A HOME APPRAISAL DONE, I WAS TOLD BY MY AGENT THAT I NEEDED {$150000.00} APPRAISAL TO GET THIS DONE. MY LAST XXXX APPRAISALS WERE AS FOLLOW ; XXXX {$170000.00} XXXX {$170000.00} XXXX {$160000.00}. WERE IN A SELLERS MARKET, THE BEST ITS BEEN IN XXXX YRS. AND I GET LOW BALLED BY {$54000.00}? AND THIS IS AFTER I HAD MY WHOLE BATHROOM DONE, A NEW ROOF, ETC. THEY TOOK MY MONEY AND THEY KNEW I WAS NEVER GETTING A LOAN.THEY HAVE THE MAIN OFFICE IN XXXX XXXX NJ XXXX AND AN OFFICE IN XXXX NJ, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
I began two loan applications on XXXX XXXX, 2017 with XXXX XXXX XXXX located in XXXX, CA. One loan application was a purchase of a new property and the other was a refinance of an existing property. XXXX XXXX was my initial loan officer and everything proceeded smoothly until the file was sent to Underwriting on XXXX XXXX, 2017. I was told on numerous occasions that everything was 'in order ' and moving toward funding as scheduled, as I had provided all necessary documentation to the lender promptly and accurately during the review process. The lender was well aware of my scheduled Close of Escrow date of XXXX XXXX, 2017 and I was assured that nothing else was needed and that both loans would close simultaneously on, or before the scheduled COE date. A week before close of escrow, on XXXX XXXX, 2017, XXXX assured me that both loans were being Approved and closing on time. On XXXX XXXX, 2017 XXXX called me to inform me that the appraisal was 'waived ' in error by the lender for the refinance application and they were scrambling to have the refinance property appraised. I received an email for both the Processing Manager, XXXX XXXX, and the Director of Customer Service, XXXX XXXX, that they had made mistakes and that the loan process for both applications were delayed. On XXXX XXXX, 2017 I received an email from XXXX XXXX that they were making an 'exception ' and waiving the appraisal, the same appraisal that was supposedly delaying my loan to begin with. I am now 7 weeks into my loan applications and have yet to receive any decision on either loan, despite the verbal assurances that I would be approved. Not only are they in clear violation of Regulation B, but I have had to appease a furious Seller and negotiate a $ XXXX/day fine for every day that my purchase loan does not close. Now, I am in jeopardy of losing this property due to flagrant negligence and missteps by XXXX XXXX XXXX. Please HELP me save this property!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
{$37000.00} was fraudulently taken from our checking account. The check ( pdf attached ) was counterfeit and the signature was forged. The actual check # XXXX is actually in our possession and the call numbers for the bank on top of the fraudulent check are incorrect. Still, Chase allowed the check to clear when presented from an out of state bank. We have been forced to cover this loss by drawing funds from our IRA which will count as taxable income since Chase told us they will not repay us ( IF they repay us ) for at least 60 to 90 days or more. Chase fraud department has told us they are not obligated to repay us unless Chase recovers the funds. We feel Chase should pay us the full {$37000.00} immediately with interest plus the {$35.00} wire transfer fee for the money from the IRA necessitated to cover outstanding bills. What is the purpose of a signature on file or insured accounts? The attitude on the part of the Chase fraud department is reprehensible. This matter was reported to  Chase on X/XX/17. Their letter to us dated X/XX/17 is attached here with a copy of the fraudulent check.

Company response to consumer: Closed with explanation