vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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: GA

Complaint narrative:
Fraudulent activity. Someone withdrew money off my card.

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan #  XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted XXXX XXXX beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from XXXX XXXX dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned XXXX XXXX again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with Equifax to have this item corrected. The other two bureaus ( XXXX and XXXX ) do not show this incorrectly. 

On XX/XX/XXXX, I called Equifax ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by XXXX XXXX on XX/XX/XXXX as claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between Equifax and XXXX XXXX  and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I logged on to my Wells Fargo account portal to schedule the monthly payment. I followed the same steps as always, scheduling a full balance payment to be transferred from my saved checking account. Wells Fargo acknowledges that I logged on that day but did not record my payment. They suggested that I may not have hit submit to finalize the payment. I am 100 % positive that I scheduled the payment in the same way I have for many years now. After a couple calls about this matter, Wells Fargo agreed to waive the late fee of {$25.00}, however the charged interest remains and presumably a negative remark on my credit report for a late payment. Perhaps they are correct and the error was on my part. Or perhaps the matter is not so uncommon and other customers have had similar situations? My confidence in Wells Fargo has been shaken by past behavior and my experience with this matter. I report this matter in case this has happened to others and document the prevalence.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I noticed that my mortgage company Ditech reported to the credit bureaus that i was 90 days late, I opened a dispute in all three agencies because I have never been late. Ditech offered me a forbearance plan due to my home was impacted by Irma Hurricane in XX/XX/2017, the forbearance was for 6 months, I kept making payment to escrow and interest during that time. Ditech sent update to the bureaus but when i checked still showing that I " was recently late '' or '' missing payment '' or i '' have a negative impact '' in my report, those remark still affecting my FICO even though they updated the Ditech info under the account. My FICO dropped 70 points and I spent hours trying to have this resolved but they put me on hold for hours and I cant spend more time trying.I just want the information to be 100 % accurate and have my FICO score back up. 
I was denied an important loan last month and i am about to loose a purchase deal.

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 2018-04-06 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: MD

Complaint narrative:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. Equifax, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was working with Ditech to get a loan modification over a year and a half. I would send and then resend papers to them only to have them day they didn't get them. I thought we were still working on a loan modification when I came home to a foreclosure notice on my door with a sale date listed. My husband and I had to file chapter XXXX bankruptcy in order to stop the sale and allow us to stay in the home during my husband 's declining health. He has now passed and I had the bankruptcy dismissed so I can pay off this loan and move forward with my life. 

My sister has been helping me through this as I don't have the strength to deal with it right now. She has been getting the same run around I endured when I was trying. They will not give us a payoff quote. They say they will send it but we don't get anything from them. Is it not my right to pay off this debt? Do I have to continue to be charged their " fees '' and other charges they continue to rack up on my account? If you go to XXXXXXXX you will see I am not the only one who has had Ditech run them around. It was sickening to me to read through these complaint and recognize the same tactics done to these people as were done to me. I wonder is there any way to stop Ditech before I lose my home as I read how many others lost theirs? They are even charging me for insurance on the property now. I have had an active insurance policy on the property which is paid through escrow with my first mortgage lender. It has never lapsed! I sent my declaration of insurance to Ditech but I'm sure they will say they never received it as they have with so many other document which I faxed to them ( repeatedly ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: United Revenue Corporation
State: TX

Complaint narrative:
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXX and mainly all medical bills from XXXX 's I had to have, I looked on XXXX XXXXXXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is United Revenue i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Collection Resources, Inc.
State: TX

Complaint narrative:
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXXand mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then ....

next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is collection resources my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not XXXX   right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: WI

Complaint narrative:
I get a phone call from this company at least once per week. The message says 'we are a debt collection agency. Call immediately regarding an outstanding debt '. I have no outstanding debts!! I refuse to call this company back, because I think it is a scam and I don't want to talk to them. I went to the XXXX to look this company up and there are many, many such complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Contacted me multiple times for a debt I settled with a previous collection agency. Also contacted my mother more than once without her permission to contact her after the first time. They were sending mail to the wrong address due to a typo on their end so now other individuals have access to my information. After making sure this was a debt I took care of I called back to question why myself and my mother have been receiving calls from them on something settled and they wanted me to confirm my social security number. Knowing of all the scams that take place with this kind of stuff I was uncomfortable confirming my information. I told them that was not needed they just needed to stop contacting me and especially my mother because she did not give them permission and that was against the FCRA. The lady on the phone hung up on me after I said that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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: MD

Complaint narrative:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: MD

Complaint narrative:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example,  shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I requested an economic hardship forbearance that was approved initially. Still made a small payment after, between XX/XX/XXXX &XX/XX/XXXX Navient added remarks to my credit report that I was affected by a natural disaster & it cause my credit score to drop 20 points ( I have not been affected by a natural disaster in any way ). Called customer service & was told that they were removing the forbearance, but it wouldn't be updated until the end of the month & also my account would be marked as delinquent. I'm in the process of trying to buy a home and I have to suffer for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.

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 2018-04-06 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 recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXabout some hard inquiries that I did not authorize. Experian told me that I would have to call each creditor, well I called the creditors XX/XX/XXXX,XX/XX/XXXXand they told me that I would have to call Experian because Experian is the only one to take them off. I called Experian and they said that they could not take them off. I even wrote a hard inquiry removal letterXX/XX/XXXX, providing my DL, SS card, a utility bill, and they sent me a letter back saying that they still could not take them off. This is very frustrating and unfair because I did not authorize those inquiries. It is a total of XXXX, that I didnt authorize. I only authorized XXXX XXXX, XXXX XXXX XXXX, and XXXX. The others I didnt authorize.

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