vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon, Wells Fargo is denying to remove forced placed insurance after showing proof of Insurance in XX/XX/XXXX. This insurance was placed by XXXX XXXX because according to Wells Fargo they sent letters to request proof of insurance and there was never a response Regarding this issue. Also Wells Fargo has no proof that the proof of Insurance was not submitted. I was never aware or never received proof of an insurance premium being purchased on my behalf in XXXX. 
The contact phone number for Wells Fargo is XXXX XXXX XXXX Thank you for you interest regarding this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a VISA with CitiCard which I am trying to pay off and haven't used in many years. I received in the mail a Citi Mastercard with a different account number on it with instructions to activate my new MasterCard. 

I visited the CitiCard website to discover that my outstanding balance which at the end of my last pay cycle was $ XXXX was now $ XXXX. This $ XXXX increase in my outstanding balance was reflected in the fact that the balance reflected the $ XXXX on my Visa and an additional $ XXXX outstanding on my " new '' Mastercard. 

I called CitiCard and was told that this reflected a " transition '' that CitiCard is making form VISA to Mastercard. I inquired why my account showed an increase of over {$10000.00} and was told several reasons none of which made any sense to me. First I was told that when I activated the MasterCard the balance would return to {$10000.00} with the additional money reflecting the interest charged during the last month. 

I asked if I didn't activate the Mastercard, would the balance ever return to {$10000.00}. I was told " no '' then " yes '' and finally they said that on my XXXX statement my balance would be at the $ XXXX level. 

My concerns are : 1. Is it legal to open a card in my name without my consent? 
2. Is this " new '' MasterCard obligated to follow the contractual obligations of the VISA ( i.e. can they now increase my interest rate even though I have never missed a payment, etc.? ) 3. For what amount of time did I pay interest on $ XXXX instead of the {$10000.00} + balance I really owe? 

None of these questions were answered to my satisfaction.

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 2019-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
RPM prematurely reported a collection account to XXXX, disregarding my request for validation, and prior to the initial collection letter sent 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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I had a Mortgage with XXXX XXXX with no escrow account. XXXX XXXX sold my Mortgage in XX/XX/XXXX to XXXX which now changed their name to XXXX. 

I was and still am paying my own Taxes, & private Home owners, Wind, & Flood Insurance. My Condo association also pays Master Flood and  Hazard insurance. It is included in my Fees. I have given both XXXX XXXX and XXXX Proof of renewal for all policy that I pay in full. XXXX   XXXX and I agreed to that and everything was fine Now here comes XXXX! 
Everything was fine for 8 months I emailed them proof of insurance renewal that is paid in full. They send me a letter I need more Flood Ins.  Fine I purchased more Personal flood insurance Paid in full to satisfy their demand of {$44000.00} My personal flood is paid in full by me until XX/XX/XXXX. I sent them proof and they sent me a letter that it was accessible to them. I have the Letter. 
They now say They are going to open an escrow account and they now added {$160.00} to my Mortgage. This is unacceptable I am XXXX years old and do not need to or will I be bullied by these predators. I will email you the documents. 
XXXX 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 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX  accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are!

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 2019-02-11 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: FL

Complaint narrative:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.

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 2019-02-11 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: FL

Complaint narrative:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a XXXX XXXX branded CITIBANK credit card that I enrolled in XXXX at the advice of the local salesman 's advice. I've used the card numerous times and never been late in paying the balance in full since inception until XXXX. I had made some purchases as XXXX   XXXX  using the card. A few weeks later, I was forced to leave the state for a while due to my daughter ( a minor ) being in an accident with 17 other youth. Once out of the hospital, I returned to the state and got the CITIBANK invoice. It has a late fee and interest on the charges. I called CITIBANK and the gentleman agreed to waive the late fee but would not waive the interest of {$9.00}. I accepted his offer as it was my responsibility to pay in a timely manner. However, I pointed out to him that it was a ridiculously high interest rate. We got off the phone XX/XX/XXXX per CitiBank notes. I submitted a check payment via the XXXX online bill pay which defaults to clearing the bank on cashing. CITIBANK and my XXXX XXXX account both state the payment was processed/cashed on XX/XX/XXXX which is past the XX/XX/XXXX due date. While they have an extremely high interest rate, CITIBANK also has a policy where the minimal finance charge is never less than {$2.00} per month. So, they're continuing to charge me interest at {$2.00} per month. When asked about the charges, I get different replies like it is an interest fee, a late fee, etc. For example, it says 4 months but shows {$10.00} with the representative saying that she'll waive the {$2.00} late fee. So they appear to be charging even more than $ XXXX/month at certain times. This is all for a purchase of $ XXXXoriginally that has been paid in full including the original {$9.00} in interest. 

I've attempted to resolve this matter with CITIBANK to no avail and get continued harassment during any discussions with them about payment. 

This appear to be an example of anti-usury lending.

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 2019-02-11 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: MS

Complaint narrative:
called TRANSUNION ... trying to tell them I am a victim of identity theft, I told him why would I run my credit over and over with the same company 's and I already have a bill with one of them. guy didn't try and listen to what I was saying brush me off and I tried explaining to him I already contacted XXXX and they are working on it to get it fixed. he told me I need to mail a police report for inquires. 
XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
There is a collection which is unknown, outdated and no verification obtainable. Requested several times. Please help National Credit Systems # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Westlake financial services llc wrongful repossessions, refused to validate dept, harassing collections, false credit filling, refused personal property, breach of peace,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I purchased money orders from agent on XX/XX/XXXX/2018, and mailed them. They were not received by payee. Presumed lost in mail. Not cashed. Sent all required documents to company, including receipt for purchase, research request forms, on XX/XX/XXXX /2018, along with {$60.00} processing fee, and 2 notarized affidavits. Attempted on several occasions to contact company by phone. All numbers went to useless phone menu. Finally found alternate number through reasearch, which connected me to rep in XXXX, who gave me a number. Same useless phone menu. Have made similar payments to same payee before, and have texts back and forth regarding missing money orders. I have fulfilled all company requirements for refund, but they simply will not provide it. I have been struggling with them for over 4 months. I need this money back desperately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and Discover card ( the issuing creditor ) on XX/XX/18. Discover claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want Discover to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Recovery Systems
State: GA

Complaint narrative:
I was contacted on XX/XX/2019. THe person gave me a last four of SSN and birthrate and I told them the debt was not mine. 
The person immediate called me back then called another company number asking to speak to my boss. Then they called me back asking to speak to my boss. I asked them for information regarding the debt which he failed to provided but claim to be sending to my boss. I asked for his address so I can contact them in writing and tell them I am the wrong person. He gave an incorrect address and birthday and I again informed them the debt was not mine. 

File # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. EXPERIAN HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX  WHICH IS ON MY EXPERIAN CREDIT REPORT SINCE XXXX OF XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT EXPERIAN INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX  OVER THE INTERNET IN XXXX OF XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX   DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX  FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.

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 2019-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: SC

Complaint narrative:
I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.

Company response to consumer: Closed with explanation