vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 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: CA

Complaint narrative:
This is my second complaint and a written request to be use in a court of law as proof of my intents to clear my name about this matter, I had been a victim of identity theft .Transunion had refused to remove this account.They removed the account on XX/XX/XXXX, and placed back on XX/XX/XXXX, this is a violation of the FCRA. Account removed can no be placed back without a written notification 5 day before placing the account back on. In this case more than 30 days has pass without a written notification, also this is an identity theft case an FTC complaint had been filed, they are no following consumer laws Or FCRA.

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 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was in a process of buying a coop apartment. 
Here is my experience. 

XX/XX/XXXX I signed closing disclosure. Right after signing the closing disclosure I received an email from XXXX XXXX XXXX, XXXX asking me to wire the money ( cash to close ) to the title company. The emails were fraudulent. Emails were never sent by the mortgage company. 

XX/XX/XXXX I wired {$33.00}, XXXX ( cash to close ) based on the fraudulent emails from my XXXX XXXX account to the Title company account in Wells Fargo. Apparently it turned out to be a private account and not the title company account. 

XX/XX/XXXX I received a call from my transaction attorney asking me to go to XXXX XXXX and reverse the wire because money went to the private account. I was also provided with the phone number of Wells Fargo Fraud Department and the case number.

I called Wells Fargo Fraud Department from my XXXX local branch. 
I was explained that they noticed something was off and opened up a fraud case however didnt not stop the wire. The lady also mentioned there had been another fraud on the same account prior to me wiring the money. This is why they suspected something was fishy. 
Wells Fargo requested an indemnity letter from the XXXX XXXX to be able to reverse the wire. 

XX/XX/XXXX I filed a police report. 


After multiple conversations with the XXXX wire department my case was referred to XXXX XXXXraud Department. 


XX/XX/XXXX My case was approved by the legal Department of the XXXX XXXX and indemnity letter requesting to reverse the wire based on the fraud was sent to the Wells Fargo. 


XX/XX/XXXX Wells Fargo wired {$16.00}, XXXX back on my XXXX account. 
I received the response from Wells Fargo over the phone that the rest of the money ( {$17.00}, XXXX ) left the account and they were not liable for the loss. 


Since that time Ive had multiple conversations with different people from Wells Fargo Fraud Department including Vice President XXXX XXXX who explained to me that Wells Fargo were not able to do anything else and not liable for the loss. An official letter was written and sent to me. 


Id greatly appreciate if you could help me understand if anything else could be done to recover my money. I also feel very strongly that no person should go through such horrible experience. 

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 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Things aren't adding up here when I use this company. There was a {$80.00} fee at a gas station that was not made by me. The company would not reverse the charge. They now took away the ability for me to even change my password online. They also are charging excessive exorbitant fees. I really think you need to take a look into this. At this point I am choosing another bank. It's getting pretty weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
The Company who contacted me today, XX/XX/XXXX, had all of my personal information, address, social, date of birth, and mobile phone number. They rang me from a number that was local to my area code and state. The number they called from is : XXXX. The name of company is : XXXX XXXX XXXX. They claim that I owe a private student loan through them for XXXX from XX/XX/XXXX. They list a college that I did not attend, XXXX University, and a client they represent under the name XXXX XXXX XXXX. I have never been a client of that company. Until today, XX/XX/XXXX. I had never heard of this company, have received no notices or bills demanding a payment. They claim to have received my name and contact information in their office on XX/XX/XXXX and they demanded that I settle the debt, and mentioned that " the account is too old for them to sue me, but I can settle it now for a lessor amount. '' I do not owe this bill. I reiterate that I have never attended XXXX University. I asked that they send me the copy of any signed agreement or promissory note for verification purposes. They claim that they do not have the contract in their files and it would be sent via their client, XXXX XXXX XXXX. I do not want this debt to appear on my credit report. All of my private student loans are consolidated through another legitimate company. I have since contacted my debtors to find out if they have either name on my accounts or a debt for that amount. They report no such findings. Please help. I wish to file this complaint with your office. This is clearly FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
Our house insurance company has canceled our insurance policy due to nonpayment from our mortgage bank servicer. The renewal premium was due on XX/XX/2018. We submitted the renewal bill on XX/XX/2018, XX/XX/2018 and XX/XX/2018. We spoke with multiple people with both the bank and the escrow servicer multiple times as did our insurance agent. All criteria was met. Details are many and laid out on a spreadsheet to be uploaded with this complaint. This also occurred the previous year and now our insurance company won't do further business with us, we have to obtain a new insurance company, pay direct and more because of being canceled. Please see the spreadsheet and exhibits of proof for further detail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04 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: LEXISNEXIS
State: CA

Complaint narrative:
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my problem most likely effects many people.a few days I attempted to obtain XXXX XXXX credit card issued through XXXX XXXX & was denied. I was shocked as I have excellent credit. I checked with XXXX XXXX & Equifax.I was told that the problem was I had 7 outstanding hard credit inquiries. It appears that every time you apply for a credit card or loan & they run a credit report unbeknownst to me my credit was effected. I now can not get credit. When I asked the companies in question XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, they all told me the same answer - I have to wait two years for it to roll off. I suggest that all consumers be required to sign a form indicating to them that by pulling a credit report they may jeopardize their ability to obtain future credit which it what happened to me. is there a way in which my hard inquiries could be masked so that i can obtain credit. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: CA

Complaint narrative:
I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX. FIFTEEN + YEARS AGO I HAD A XXXX XXXX IN XXXX, FL. THIS IS NOT MY DEBT ANY LONGER AS IT WELL EXCEEDS THE 7-10 YRS THAT I THOUGHT A DEBT COULD BE COLLECTED. THEY KEEP CHANGING DATES I.E. DATE OPENED AND NOW HAVE IT IN XX/XX/2018 SAYING THIS WAS OPENED..NOT TRUE.  THEY KEEP SELLING IT TO OTHER COLLECTORS AND IT NEVER STOPS. I FILE CONTINUOUS CREDIT DISPUTES AND THEY DISAPPEAR FOR A WHILE THEN ARE BACK. THIS IS NOT FAIR AND COULD GO ON FOREVER BASED ON THEIR ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TN

Complaint narrative:
XXXX  XXXX XXXX XXXX  is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.

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 2019-03-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Innovis
State: CA

Complaint narrative:
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I received a letter requesting proof of flood insurance, I followed instructions to upload the flood declarations page as our flood insurance is covered under our HOA. I also faxed it to be double sure since I have no confidence based on past terrible experiences with Roundpoint. A few weeks later I received another letter stating I didn't provide proof so I uploaded and faxed again. Now I received a notice of Lender Placed Coverage charging me over {$2100.00} and stating it's because I never provided proof of flood insurance. Today I called and was hung up on 3 times. I went on their online chat and was told to now email the declaration page to insurance@roundpointmortgage.com which I did. I followed up with a phone call and was on hold over ONE HOUR and then person told me the document I sent was not what they were looking for. However, I am the treasurer of the HOA and provide the same document stating proof of flood insurance for 15 homeowners and it is sufficient. In addition, I looked back at my emails and I had the same issue last year with them with the exact same declaration page with last year 's dates. I feel that I am being scammed and don't know what recourse I have to stop this charge.

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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
AmeriHome Mortgage sent me a letter in XX/XX/2019, stating that the mailing address on my mortgage account had mistakenly been set to the property on which I have the mortgage. Without my input, AmeriHome had corrected the address to my correct contact address - so there is no question that they knew what it was. 

Upon receiving the letter, I sent an email to AmeriHome on XX/XX/2019, asking them to confirm that I was correct in understanding they had been sending printouts of my personal mortgage statement to someone other than me ( in this case, to my tenant ), and they finally responded on XX/XX/2019 with a non-committal confirmation that their records reflect [ my correct mailing address ]. 

AmeriHome sent personal mortgage statements to someone who did not have a right to have them for 6+ months due to a " system error '', and then displayed an inability and/or unwillingness to properly respond to a consumer inquiry in a timely or honest manner. I believe that AmeriHome is demonstrating a lack of robust privacy controls and may need to be audited/fined/controlled by a federal agency. 

As a side note, which is minor but lends itself to problems with AmeriHome systems - when I first tried to sign up for online access to my account, I appeared to have done so without issue. But I was unable to login, despite repeated attempts at reentering my user name and trying to change my password. I finally called AmeriHome, and learned that the system only allows 15 characters in a user name, so it automatically cut off the last 2 letters WITHOUT informing me. This is another incident pointing to improper systems at AmeriHome mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I received a call from XXXX from XXXX XXXX stating they were from Carrington Mortgage who handles my current mortgage. They stated that I was turned over to legal for unpaid escrows and I will lose my home if {$1000.00} was not paid directly to them by XX/XX/19. 
I called Carrington themselves and verified that this was not factual and turn in the information to them.

Carrington is researching at this time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We have filed a Insurance claim back in XXXX of 2018. Since then we got an estimate in the amount of XXXX. We have sent this to the Mortgage company and explained to them that this was half of what the contractor was wanting to do the same work. They were asking for XXXX up front and were waiting on the Insurance company to correct the their estimate. Since then we filed a complaint against the Mortgage company and finally got a XXXX of the amount originally estimated. We now have the Insurance company to agree to increase the cost for the same work and we settled at {$81000.00}. The Contractor is now ready to start the work but needs the difference in the XXXX amount up front. The mortgage company can not under stand the estimate so they are sending out inspections of work that has not started. They sent out an inspector less than a week ago and now want to come out again. We keep telling them there has not anything done because we need more money to start the work. I have called several time and today was on the line for 1hr and the last thing they told me is the same thing they told me at the beginning of the call, we need to inspect with the new estimate. Again this is the same estimate as was used on the last estimate just for more money. The Inspector even said there was no need for him to come out when there is nothing done. We have spent over 20,000.00 in material that are here at the house, only waiting for the contractor to start the work. On top of all of this I have had major XXXX and not able to work for a couple of more weeks and my home is torn up waiting for the work to start. Please help up so we do not get into a foreclosure 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 explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60   days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Called customer service to report I had paid on a Sunday instead of Saturday bc of the short month, I thought the second was Sunday. Representative was polite but not helpful. I have kept my payments current through Gov shut down and non payment, meaning receiving no income. This month was 28 days, this was a honest human error on my behalf and humbly request that the late fee be removed from my account. The payment was due on a Saturday, paid on a Sunday.

Company response to consumer: Closed with explanation