vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Per my previous complaint - that the CFPB just closed without allowing me to rebut - I received this in response from Freedom Mortgage towards end of response " Currently, there is {$520.00} in unapplied funds from the prior payment which can be used to complete the next payment due ( XX/XX/2018 ). Please remit $ {$3200.00} ( {$3800.00} - {$520.00} ) to satisfy the XXXX payment .Your monthly payments thereafter will be {$3800.00}. Your complaint states that you only intend to pay the prior payment of {$2800.00}. Please note that partial payments can not be posted as regular payments and will not advance the due date. Sincerely, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation '' I can not afford the new payment - so therefore, I will be only paying the amount I am in contract for - I will be pay {$3000.00} a month - that is the best I can do and I will not entertain any further discussion of the matter. I have children and they need FOOD, WATER and ELECTRICITY - is that in ANYWAY UNCLEAR? I have submitted information for possible modification or something - 4 TIMES! Each time - they claim that I did not send them all information - I have every fax and email with ALL information requested. 

I just checked my account online - I posted a payment from my banks bill pay website of {$3000.00} on the XX/XX/2018 - Now they claim I owe them an additional AMOUNT almost to amount of {$4000.00}???? What are you playing at? 
" Next Payment Due on XX/XX/2018 {$3900.00} Last Payment Received on XX/XX/2018 {$3000.00} ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one XXXX  account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.

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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX - XXXX - Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX incorrect amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF

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 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was in a automobile accident in XX/XX/2013, in a company car and it wasn't my fault the insurance of the other motorist was to pay this bill after it was determine that it wasn't my fault but the hospital after over 5 years still trying to collect this debt from me, this is not mine debt to pay and the statue of limitations in California is 4 years, this needs to be remove of my credit report immediately, also it shows on my wife credit report and she wasn't even in the car at the time of the accident. Company name is : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TX

Complaint narrative:
XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
WAYPOINT RESOURCE GROUP has been reporting fraudulent, and unauthorized information to credit bureau ( s ) since XX/XX/2018. I see the creditor reporting for $ XXXX.All is unauthorized use of my trade name that is registered within my state of birth. Also they continue to utilize my copyrighted material, & trade name although they were sent written notice for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RevSolve, Inc.
State: MN

Complaint narrative:
They started to call me one day and said the name of the person they where looking for and I told them many times I don't know who the person is they're looking for nor have they ever lived at this address with this number. Now they call me several times a week. Every time they call it's a different person from the same number asking about this person and I keep telling them the same thing. I don't know how they got the name mixed up with this number but they have the wrong contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am victim of Identity THeft and I can not login into Equifax system to check my credit report because it keeps blocking me from the site. When I enter in my personal information, I get a message stating that records do not match information entered which is a lie. My address as well as my personal information have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TX

Complaint narrative:
Contacted Transunion on different occasions in regards to credit inquires that I did not authorize. I have tried to not only correct this with Transunion, but also with the initial creditor that request the unauthorized inquiry and was referred back to credit bureau stated the information was obtained from TransUnion. I have no Knowledge of this and when contacted spoke with a representative that was rude and could plainly tell didn't want to assist. Kept reciting the same script over and over and refused to transfer me to a supervisor. This has been very inconvenient and has been a huge unexpected impact on my livelihood and has impacted my credit and credit history. This has also been inconvenient since to prevent situation in these matters I had a initial fraud alert that obviously was in place to prevent matters like this from occurring. 

The Following are Inquiries were unauthorized : XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX  XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 XXXX XXXX  XX/XX/2017 XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17

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 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted paypal and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one paypal account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed paypal about the issue so I would have written documentation of the issue at hand. I finally got Paypal 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from Paypal ) called from XXXX, XXXX XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though Paypal says it's not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our mortgage is with Wells Fargo Mortgage and I had chosen to the property tax deferred program for my yearly property taxes. This is the 3rd year in a row that I have done a tax deferred program since I am XXXX years old. 
On XX/XX/2018 I received a letter from The Dallas Central Appraisal District stating that they had received and processed our Tax Deferral Affidavit and it had been approved. On XX/XX/2018 I sent a letter to Wells Fargo Mortgage along with a copy of the letter I had received stating that I had been Tax Deferred. On XX/XX/2018 I received a letter from Wells Fargo saying that they were going to pay my taxes, this is after I had sent them a copy of the letter from The Dallas Central Appraisal District. I continued to receive letters from Wells Fargo Mortgage demanding that I pay the taxes and I continued sending them letters stating that I had been approved for Tax Deferral. I also tried calling them and spoke numerous times to many different people that I kept getting referred to speak to by whomever I was speaking to originally. These people were supposed to have been resolution specialists for Wells Fargo and they were totally worthless! I noted 5 different specialists whom I spoke to, XXXX XXXX, XXXX ( don't have his last name ), XXXX XXXX, XXXX XXXX, and the fifth one was XXXX XXXX. All of them said they would look into my problem and call me back and not one of them ever returned my call. 
Their letter said that they had paid my taxes for me and wanted me to pay this back to them when I NEVER agreed to doing this nor would I have agreed to it being that I had been legally tax deferred and had a letter to prove it. Wait until you hear this!! They wanted me to put into my escrow account to pay this back the amount of {$12000.00}, and if I had paid my property taxes it would have been {$7100.00} so they were going to make off of me an additional amount of {$5100.00}. So in other words they wanted to increase my monthly mortgage payment from {$1900.00} to {$2500.00} starting XX/XX/2018, that is absolutely robbery and not legal to do! I have always paid my mortgage on time and been a good tax paying citizen all my life. I started and own XXXX XXXX XXXX and have owned it now for 50 years and I believe I am in the top 5 one owner XXXX  companies in the state of Texas and possible even the southwest. I have been a member of the XXXX  for over 16 years with an A+ rating, I do not deserve to be treated in such a disrespectful manner, I am no XXXX! In doing research online about Wells Fargo I could not believe they are already are being fined a XXXX dollars in lawsuits, what does that tell you?! I want to complain to the Federal Regulator but was told to complain to your company first.

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 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XXXX XXXX, XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I used an atm inside a branch to withdrawal {$1500.00} from saving account and 5 minutes later I noticed that I am missing {$1500.00} from checking after the withdrawal, so the atm withdrew {$3000.00} but I am only received {$1500.00}. I missing {$1500.00} from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: MA

Complaint narrative:
Our mortgage was remodified so it shows late payments which I understand, however all payments have been made on time since XX/XX/2017. There have been 19 payments on time since the modification. This just appeared on my report a few months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. 

I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. 

The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal complaint..

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 2018-08-06 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: AmeriCollect
State: FL

Complaint narrative:
On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.

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