vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-17 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:
There is a fraudulent collections account that Experian refuses to remove from my report. I asked them to investigate on XX/XX/XXXX. They wrote back a few days later claiming that the account was " verified ''. However, they refuse to tell me how they " verified '' the information with the collection agency. I know for a fact that Experian DID NOT CONDUCT AN INVESTIGATION into this account because I contacted the collection agency directly and they told me Experian did not contact them to discuss the matter. In addition, that collection agency could not provide any legal documentation whatsoever that proves this account was mine. 


EXPERIAN IS LYING. They say they conduct investigations into fraudulent accounts but they do nothing.

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 2018-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo? Last year XXXX in XXXX I was notified by an Investigation Company in XXXX Texas. 
They had made several investigations on Housing Costs Tax for Senior Citizens. They discovered {$700.00} City Property Tax that was Not Paid, but ; the {$700.00} was taken out of my Bank Escrow account? This led to Hearing in XXXX Texas Court of which I attended. 
The XXXX Court final decision was that it be replaced to my account y Wells Fargo!! Today ; XX/XX/XXXX it has never been returned to my Wells Fargo Account. 

This is Third house I have financed with Wells Fargo? Additionally ; I have discovered Thousands of USD missing from my account? 


I pay my House Payment at Bank the first week of each month. It is an 30 Year FHA Loan, Contract Wells Fargo has always been Honest?? I thought? Until XX/XX/XXXX when this all started as an investigation by a certified Company. 

XXXX and XX/XX/XXXX : Wells Fargo has Demanded an additional {$440.00} USD in the Bank when I Paid My Contract Amount. This represents 50 % increase of Fraud. In the past week I received another Threat : They did not Credit My Payment Cash at Bank, but notified me, They stated they would hold it until I Paid The Full Amount of which is {$830.00} Total including Escrow Amounts Due Per Month, but ; I have made several requests for a copy of My Escrow Payments and Monthly Amounts> In 18 Months I have Received NOTHING???? 

I am XXXX XXXX XXXX Retired XXXX. 

The ONLY Decision of this Fraud, Theft, Threats, DTPA, and Attempt to Steal My Property because I have {$80000.00} Cash Equity. Additionally there is approximately $ 8-10,000 Cash missing from my account that I am closing dues to ALL THIS CRIMINAL ACTIVITY?? 

I am XXXX yoa and ; can not afford for these Criminals to steal my property savings? 

I hope you can help me? 

Thank You XXXX 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 2018-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited my first pay check for the amount of {$1400.00} from a new employer, Into my checking account at Bank of America. That was placed on hold for an over extended period of time, ( from XX/XX/20018 to XX/XX/2018 ), considering the relatively small amount and local bank branches involved, time with my bank, and funds being available for withdrawal from employers account. And being given false and/or incorrect information that the funds will be available by the following day. In violation of my consumer protection rights, and federal rules and regulations. Unfairly causing me undue hardship with past due utilities ( gas, electric, and water ), that may get shut off, and with my past due truck payment, that may get repo'ed for none payment as I had agreed to pay a past due amount on pay day. Furthermore, the lack of food in my home, and other necessities needed. 
Moreover, my requests for release of funds or to please expedite the process for the above reasons was refused, And negligently ignored and unfairly declined without further explanation except for, I was told, for their protection in-case the check did not clear. And that it will take until XXXX XXXX  Wed. the XX/XX/XXXX to do so.

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 2018-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services , LLC Re Account # XXXX ( Part of 1st Letter sent Carrington ) Back around XX/XX/XXXX. 
Have many a few calls to your customer service # and they have been No help explaining Per your statements it appears you have charged us in XX/XX/XXXX, {$870.00} for a Property Registration Billed. Please why have we never been charged anything like this since the loan originated in XXXX? Why is that XXXX County Assessors office have a record of it. If not them Why was it not filed with the Clerk of the Court, I saw no record there either? This a fee appears only to be charge for Vacant Land ' -- -Then in their response of XX/XX/XXXX [ Based on County Records the property was vacant XX/XX/XXXX thru XX/XX/XXXX ] but then charge us in excess of 5 years later. I contacted the XXXX Property Assessors Office again and they stated they have no record of this or any fee received. He did stated is that was true they 1st remove my Homestead Exemption which they did not I have all those reports to prove that. I also contacted Clerk of the Court again and still no records. I also contacted local utility and though they can see I have continues service if I was the individual I need to come in main office to get those.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: NV

Complaint narrative:
i sent my first letter asking for my signature proving this is my debt. first letter was mailed by certified mail on XX/XX/XXXX. they replied saying that they are not required to show proof other than a printed statement. letter # 2 was mailed on XX/XX/XXXX once again only a printed statement was given too me. and a threat by them too take further action against me. i would greatly appreciate assistance in resolving this matter. the account # is XXXX they are saying is mine and that i owe {$190.00}. but they are refusing to provide documentation bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid my XXXX XXXXXXXX ( XXXX XXXX ) credit card bill on XX/XX/2018 via XXXX XXXX  XXXX online billpay. The amount of the payment was {$4400.00} and XXXX XXXX XXXXXXXX debited my checking account for that amount. When I got my next statement from XXXX XXXX it showed no payment on XX/XX/XXXX and a late fee. When I contacted XXXX XXXX XXXXXXXX they confirmed they had sent the payment electronically and did a conference call with me and XXXX XXXX to provide them with proof ( including Electronic File Trace Number ) of the payment. The XXXX XXXX customer service associate was not helpful in resolving the matter and we asked to speak with her supervisor. When her supervisor came on the line ( after we were on hold for several minutes ) she spoke very briefly and then hung up on us. XXXX XXXXXXXX XXXX faxed proof of the Electronic Payment to the number provided by the customer service associate. I also sent this documentation to them via secure online messaging on the XXXX XXXX website. I received a letter from them this week that they didn't have all of the information they needed and announced " our investigation has concluded. '' I sent another letter to them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Problem is with XXXX XXXX XXXX This is why XXXX is clouding they making a extra money off of laym excuse on the statement closing date XX/XX/2018 My balance was $ XXXX and i made {$1100.00} credit I have been told by the XXXX represanative that when credits made to the account is greater than my balance it wound cover my payment but they charged me {$27.00} late fee anyway Credit cards started to XXXX off the consumer again I think XXXX should be fired from cfpb Represanative are rude robot like unwilling to lessen and they are judge mental and refuse to resolve the 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 monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I was notified by XXXX of a transaction that had just posted. This was a fraudulent purchase, and someone must have hacked my Paypal account. Paypal had transferred funds from my credit card for this fraudulent purchase. I filed a claim with Paypal, XXXX, and my credit card immediately. Paypal responded that based on my history of XXXX purchases, that they believe this was not fraudulent. When I tried to dispute their judgement to my claim, their system does not allow you to respond or re-address the submitted dispute. They are basically telling me too bad, we dont believe you. They block you from further discussion of your submitted claim. It least my credit card believes me. Unbelievable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am stunt by tjx credit card arrogance lieing I am trying to pay off this card and close this accounts because they are XXXX OFF and I told them many times that there are charges that its not mine they are from XXXX XXXX not only they didnt do anything they just keep repeatedly sending statement and bunchs credits for XXXX cents and XXXX cents And they made a business of charging 2 late fee for {$35.00} and interests for {$20.00} I am very disgusted that my son sacrificeing his life for garbage like u

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 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I have mailed 3 letters trying to resolve this matter. every letter stated that this was not my account. I have repeatedly ask for proof that this is my account. I have ask repeatedly for something bearing my signature. And in reply ive been told they are not required. To show proof of anything with my signature. they only send a print out of a bill nothing with my signature on anything!!!!. the first letter was sent by certified mail on XX/XX/XXXX. the second sent by certified mail as well on XX/XX/XXXX this was in response. too their print out of a bill as proof that this is my account. once again they sent nothing bearing my signature.

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 2018-06-17 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: NC

Complaint narrative:
I disputed the XXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

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 2018-06-17 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: Credit Karma, LLC
State: MI

Complaint narrative:
I found out from the XXXX premier XXXX told me to sign up for Credit Karma. So  I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I have health insurance, how can I owe this amount? 
XXXX XXXX XXXX Opened XX/XX/XXXX {$65000.00} Original creditor : XXXX XXXX XXXX I was hospitalized XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover issued me a Credit Card account with an initial {$8000.00} credit limit. 
I was the victim of Identity Theft resulting in unauthorized charges on my account. 
I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. 

The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. 

I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 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: MI

Complaint narrative:
I found out from the Equifax premier Equifax told me to sign up for XXXX XXXX. So I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
On several occasions I have requested original contract or lease with my signature to be mailed to me they are showing a debt for a collection of {$280.00} for something i did not a signed I believethat their employees at XXXX XXXX stole my information.. i want this removed from my credit also the company is reporting a debt for XXXX XXXX which I could not live in because it was inhabital see attachment.

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 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I never received this credit card I called and was told the issue had been resolved. Yet the debt was sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: NC

Complaint narrative:
I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

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 2018-06-17 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: NC

Complaint narrative:
I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This is not my debt I no longer live at this address XXXX XXXX XXXX XXXX XXXX Georgia XXXX You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2017 ( 1 yr, 4 mos ) Account status Open Type -- Responsibility Individual  Remarks Placed for collection Original Creditor Name 1XXXX 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