vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is in reference to complain No. XXXX. They continue lying about this issue. They want to talk about something is been talked for over 15 times. The only thing that are doing is gaining time and keep sending letters about dead lines I have to meet, when I requested communication on writing the denied it, they only thing write what is on their convenience, the rest is meaningless. I was a XXXX employee, now work for XXXX XXXX XXXX, and this time my hopes are in the Government since you are the only ones who have the power to stop to this madness. My only possession is this house I been paid for over 14 years and they want it either way.

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 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

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 2018-02-22 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: IL

Complaint narrative:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

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 2018-02-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I paid off in full an account, XXXX XXXX, that was past due. I have received a letter from XXXX that it is paid in full yet they wont submit to credit agencies. And when I disputed it twice now, they claim its still unpaid even though I have a letter that says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: LEXISNEXIS
State: GA

Complaint narrative:
I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 2018-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: IL

Complaint narrative:
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!

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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Im writing this letter with the hope you can intervene and get Wells Fargo to properly review my loan for assistance options. My issues started in XX/XX/2016, when I took a new job that at the time, felt like a huge opportunity. 

But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less. 

I contacted the bank, but the only option they gave me was to pay everything. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am in danger of losing my home.

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 2018-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. These accounts were recently removed from my credit bureau, then placed on. STOP DOING ILLEGAL THINGS, SCAMMERS! This company purchased a debt that no longer exists. There are three accounts they acquired one from XXXX XXXX, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: DISCOVER BANK
State: IN

Complaint narrative:
I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE

Company response to consumer: Closed with explanation