vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: UT

Complaint narrative:
Experian should be closed down. I am at the end of my rope with them. I had some fraud through my bank and they recommended a freeze or fraud alert on my credit bureaus. I did this. In XX/XX/XXXX I was trying to trade my truck in for less expensive vehicle. Two different dealerships tried to help me get through to experian. The only options are to record fraud or order credit report. We tried for two months. I finally sent a  written request along with copy of my drivers license. Instead of someone calling to help I received a letter in mail about a month later telling me to send another request in writing and also include a copy of a bill. XX/XX/XXXX I applied for a card while at XXXX XXXX. Someone called and said they were from credit bureau and needed to ask me some questions to verify my identity. I received a card the next week. When I called to activate card I was told it had been cancelled by experian because it was reported as stolen and fraud. I was so furious. Not only did my credit get hit to open the account now it has a closed account. Closed against my wishes. Not one time did anyone contact me and ask if I opened this card. I am having trouble getting the card reissued. The only phone number anyone has for experian is XXXX. This number does nothing to help. I not only lost chance to trade in my vehicle for a more economical one, I had my card cancelled and am flagged with the creditor as fraudulent opening of credit card. I tried calling experian again this morning and recording said it could not help me at this time and hung up on 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 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The limited categories provided forced me to select this option because I didn't see one more closely describing my situation. 

My complaint is about Wells Fargo ( my home mortgage lender, " WF '' ) requiring me to obtain flood insurance for my condominium that is located on the third floor of my building, due to my building now being zoned into a FEMA flood zone. If a flood were to occur ( where WF is indicating a 1 % chance of a flood occurring in my zone ), my building would be impacted but my third floor condo would not be impacted. Therefore, having a flood insurance policy would be unnecessary for me to obtain and WF requiring me to do so causes me unnecessary financial cost. In fact, if I opt not to purchase a policy, WF will require impound account fees to cover a flood insurance premium to their liking which would cost me even more unnecessary financial cost. 

WF did offer to accept a flood insurance policy of the Homeowners Association for the building. But such a policy if obtained by the Association will only cover common areas outside of my condo ( i.e. walls out policy ), where its coverage won't impact the condo that WF has the lien on regardless. So, it seems that such a policy is irrelevant to whether or not I should have to purchase a separate flood insurance policy as required by WF.

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 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
Ive reached out to XXXX  several time regarding interest charges. These are fixed rate loans but my interest payment continues to increase over the last 4 months. I have also emailed them regarding the fact that even after payments are made on their website, the account summary continually states that the payment is overdue. In most cases, the money is out of my account and they still show unpaid for several days. I believe it is so they can collect more interest. Customer service NEVER replies to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
XXXX XXXX XXXX provided services while I was XXXX. 
They were provided all of my insurance information and per my insurance company 's EOB ( explanation of benefits ) XXXX has submitted a claim and been paid in full. 

They have now fraudulently sent this bill to a collection agency - XXXX   XXXX XXXX which is showing up on my XXXX  Credit Report. 

This is insurance fraud and needs to be rectified immediately and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: DE

Complaint narrative:
XXXX has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with XXXX which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX bank {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX.XXXX {$570.00} and XXXX/XXXX and XXXX XXXX {$330.00} these all resulted in fraud account due to XXXX data breach and i have disputed many times every year for the last few years and XXXX  has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, XXXX XXXX, to inform them of the error. XXXX XXXX stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is XXXX not in the US. XXXX XXXX nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
I have no knowledge of this account, please provide me with the original instrument of debt with my signature on it to verified that this account belong to me in accordance with the FDCPA. And any contractual agreement that proof you have the right to collect this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information does not belongs to 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 2019-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE

Complaint narrative:
We took out a loan in XX/XX/2006 with Beneficial Financial in the amount of {$10000.00}. We were paying on the loan and they went under. We received paperwork in the mail stating that they were in a lawsuit we were owed back money and no longer paying on the loan. Fast forward 12-13 years and we are selling our house. To our surprise, we have a lien on our house. This company is out of business and we have NO way of getting in touch with them. No letters stating our loan was transferred, no other debt collection process happened. 

Reconveyance of the Deed of Trust, dated XX/XX/2006, filed XX/XX/2006, in Instrument No. XXXX, to XXXX XXXX XXXX XXXX   XXXX, Trustee and Beneficial XXXX XXXX XXXX, Beneficiary, stating that it secures a debt in the principal amount of {$24000.00}. 

PLEASE HELP?! We would like to rectify this by either paying what is due ( if there is anthying small ) and getting a release of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank is reporting an inquiry on my credit report. I did not approve of them putting this on my credit report. This is unfair. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )

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 2019-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information does not belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
XXXX XXXX  XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX  with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Recovery Service Incorporated
State: NJ

Complaint narrative:
Prior to XX/XX/XXXX, i received a call and a letter attempting to collect a debt that had outlived its statue of limitation. I wrote the company and asked them not to contact me again. Today XX/XX/19 they called again.

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 2019-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is stating I have an XXXX XXXX Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that XXXX XXXX does not report incorrect information on a person 's credit report needs to be ensured going forward.

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 2019-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per case XXXX your response states that you contacted the furnisher and that they said that their information was accurate. The furnisher responded to the CFPB and stated that their information was indeed false. *******Please see attached CFPB. The furnisher per FCRA has 30 days to submit the corrected information, if they fail to submit the accurate information within the 30 days prescribed under the FCRA and FDCPA they MUST remove the information per law. Being that you are reporting information that is not accurate and unverifiable within the 30 days allotted. 

I opened a case with your company on XX/XX/XXXX, today is XX/XX/XXXX which is well OVER the 30 days allotted for such matters. 

How could your company verify this information with the furnisher if they were still researching this case themselves? Someone is definitely violating the FCRA by either falsifying information or not doing a due diligence check, at either rate : Your company is now in violation of violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Your company knowingly provided information that was false. 

Please remove from my credit report to avoid further escalation to FTC. I look forward to a speedy removal from my credit report. 
Please remove this information from my credit file immediately. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NH

Complaint narrative:
I moved into a new home on XX/XX/XXXX. My first payment was due XX/XX/XXXX through XXXX XXXX home mortgage which I paid. XXXX XXXX sold the mortgage to Provident Funding thereafter. I have a 60 day grace period to make my first payment to Provident so technically it was not due until XXXX. I made a payment to Provident on XX/XX/XXXX anyway and then created online autopayments on XX/XX/XXXX. My understanding is that the autopayment would be for the next month since I had already paid for the month of XXXX. Provident Funding debited my checking account twice on XX/XX/XXXX. I asked for the second payment to be refunded and they told me they could not do this without seeing the balance in my checking account. I don't feel that this is relevant information, Provident should not need access my checking account details to refund money that should not have been debited for another month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
On XX/XX/2018 I leased a pet through XXXX  which is managed by Monterey Financial. I leased a total of {$2600.00} and it stated that my payments would be {$180.00}. If I kept the lease the entire lease term it would be a total of $ XXXX.Which included a buyout of {$390.00} but that is not the case. Now it is the total of {$4900.00} plus the {$390.00}. I am trying to buy out the loan early by 14 months and they are stating that I would have to pay {$2000.00}. I have already paid {$2100.00} because I missed one payment and since I couldn't pay the two payments in one month I had to pay an extra {$120.00} to push the one payment to the end of term plus they charged me with 6 late fees for the 1 month I missed. No where in my paperwork did it state that my payment of {$180.00} was split to include a lease fee of {$99.00} so only {$90.00} was actually going to my principal. I am just trying to get it paid and move on but nothing is working. If I pay off a loan in half the time I should still be paying double of what I financed. I understand I made the decision but this is horrible and gets people into financial problems. I need help trying to settle this lease. Then also when a debit card transaction wouldn't go through they would charge another {$15.00} but it was never returned it was just declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
RECEIVED A CALL FROM XXXX @ CARINGTON MORTGAGE AT XXXX TODAY .AFTER SHE VERIFIED INFORMATION SHE STATED THE CALL WAS BEING RECORDED .I STATED I DO NOT WANT TO BE RECORDED AND CALL ME BACK ON A NON RECORDED LINE.AT XXXX SHE CALLED BACK FROM A XXXX NUMBER AND VERIFIED INF AND SHE BEGAN TO ASK ME WHY I WANTED A NON RECORDED LINE.I STATED I DO NOT HAVE TO GIVE A REASON AND SHE KEPT BADGERING ME AND TRYING TO COERCE ME TO SPEAK ON A NON RECORDED LINE.SHE STATED WE CAN NOT ASSIST IF BASICALLY DONT TALK ON NO RECORDED LINE.I TOLD HER I REQUESTED TO SPEAK ON A NON RECORDED LINE FOR MONTHS IN WRITING VIA CERTIFIED MAIL AND EMAIL AND BORROWERS ARE BEING PROHIBITED NOW TO DISCUSS HOME RETENTION LOSSMITIGATION OPTIONS BECAUSE WE WONT SPEAK ON A RECORDED LINE, THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
borrower has DEFINITIVE PROOF THAT A NON RECORDED LINE TO SPEAK ON HAS BEEN REQUESTED FOR MONTHS BORROWER PLANS ON A SUBPOENA THIS 2ND PHONE IN ITS ENTIRETY CALL FOR IT DISPLAYS THE EGREGIOUS PATTERN OF CONDUCT AND DEMONSTRATES CLEAR VIOLATIONS OF THE LAW BY XXXX AT CARRINGTON

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. 

The last complaint ID is XXXX

Company response to consumer: Closed with explanation