vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. 
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NC

Complaint narrative:
XXXX XXXX aka Direct Recovery Services calls my phone back to back to back if I do not answer. I was at work and they called 3 times within 5 minutes. I called the number back and a rude male begin yelling at me and when I told him not to call me back to back he threatened to sue me for a XXXX XXXX XXXX debt. I hung up on him and he calls me right back from another number. I attached the screenshot on the XX/XX/XXXX. This happens daily the back to back calls. So today XX/XX/XXXX they called 3 times between the hours of XXXX-XXXX I finally answer and advised the guy by the name of XXXX XXXX not to call me back to back and I advised him how many times they have called today he brushed off the fact that they are doing this. They constantly call from different numbers. So my XXXX year old daughter who is a XXXX XXXX XXXX and work part time come home from work and advised me that they have been calling her as well. I have printed out the screenshot of the calls for us both. They are harassing me over a debt I don't even owe. This can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Have written in to XXXX and XXXX concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and 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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I pulled my credit report and noticed a medical debt had been reported to the credit bureaus. I sent a letter requesting VALIDATION and in return they sent me a bill requesting payment in the amount of {$1200.00} I asked for validation of the account including the services rendered the amount of each service along with my signature releasing the authorization of my personal health information. This is a HIPAA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XXXX, I got behind my mortgage payments when the loan adjusted to an incredible payment. To my surprise, I had been given a pick a payment loan which I did not have any understanding of this loan. In addition, developed a terrible medical condition and I was not able to continue working I desperately call my lender/servicer Wells Fargo Home Mortgage requesting assistance with my loan to no avail. 
I continued to ask for assistance for a loan modification under the XX/XX/XXXX Settlement between XXXX XXXX XXXX ( who was the Attorney General back then ) and Wells Fargo for the risky adjustable rates mortgage they gave the people of California. I also had been pleaded with Wells Fargo to give me a modification under the ( HAMP ) Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was distress, the anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them and explained my difficult situation but it has not gotten me anywhere. 

I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method with the process of my loan modification and for prolonging the loan modification which I believe I am in title due to the grounds I mention at the beginning

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 2018-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The company calls at least four times a day from different numbers, which are listed below. Never leave a voicemail and have never mailed any amount due. 

XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX, XX/XX/XXXX XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XX/XX/XXXX ; XXXX XXXX., XXXX XXXX. 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Apelles, LLC
State: CA

Complaint narrative:
My family has been harassed by Appelles debt collection disclosing personal information to family and friends both through message and phone conversation. I have copies of messages left by these harasser 's threatening to sue me on my family member 's voice mail. They also disclose an amount and what it's regarding. They are attempting to tarnish my reputation among my family and friends. I will like your help in stopping this activity. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: FL

Complaint narrative:
XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true

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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true

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 2018-02-08 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: AZ

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I refinanced with Freedom Mortgage in XX/XX/2016 in order to lower my payments. I went from paying {$1500.00} to {$1300.00}. This month my statement said my payments were {$1900.00}, up {$600.00} more per month. The statement further stated my escrow was in the negative {$4500.00}. I called 3X before finally speaking to someone who understood what was going on. The first 2 customer service agents said it was because my insurance and taxes were high and expected me just to pay it. I new that couldn't be right, I had money going into escrow every month. The 3rd person I spoke with found an error where Freedom Mortgage had paid my windstorm insurance twice. This extra payment was {$2100.00}. Half of the negative balance of my escrow. The are currently investigating where this money is since the insurance hasn't refunded the escrow. He then admitted that me that the under writer surely did the math wrong at the signing of the loan. 

1. Freedom Mortgage did the math wrong leaving me short with my escrow 2. They paid my insurance twice, {$2100.00}. Leaving me with an even more negative balance on my escrow. 
3. Didn't even call me concerning the drastic change in my payments, instead, they just sent me the hefty bill and expected me to pay it. 
4. The first 2 reps did not even help look for any errors. They just expected me to pay. 

Freedom Mortgage doesn't seem to know what they are doing. They make multiple mistakes and just expect the customer to foot the hefty bill.

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Statebridge Company customer service to request the force-placed insurance they incorrectly put on my mortgage be removed and a refund made for all premiums paid for the force-placed insurance. Statebridge Company did not honor my request, and during the course of making multiple follow up calls to resolve the matter, I was given the runaround as to customer service claiming they did not receive requested documents, asking for the same documents multiple times, continually adding requirements to process my request, making claims they knew nothing about previous calls, etc. On XX/XX/XXXX I sent a letter to Statebridge Company via certified mail demanding their compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 ) to have the insurance canceled and a refund made to me within 15 days. Statebridge Company received this letter on XX/XX/XXXX and subsequently canceled the force-placed insurance as indicated in a letter I received from them dated XX/XX/XXXX. However as of XX/XX/XXXX, Statebridge Company has not issued a refund and multiple follow up calls had resulted in getting more of the same runaround -- receiving conflicting information, being passed from department to department, adding requirements to process the refund, etc. Statebridge Company is not in compliance with CFPB 1024.37 paragraphs 37 ( g ) ( 1 ) and 37 ( g ) ( 2 )  and must act immediately to process my refund to comply with CFPB obligations. If their compliance requires CFPB intervention, any assistance would be greatly appreciated. Statebridge Company is located in XXXX, Colo. Their NMLS ID no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: AZ

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong 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 2018-02-08 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: AZ

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate and remove accounts from my credit reports that do not belong 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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed a charge on my account on XX/XX/2018 from XXXX   XXXX XXXX XXXX of {$24.00}. The phone number they listed with this charge is XXXX. 
I called my bank to dispute the charges and they told me that I have been charged this amount from this company every month for as far back as a year maybe more. I have never signed up with or given any reason for Experian to charge me. I tried to call the number on the charge and it immediately asked me for my ssn. I felt uncomfortable right off the bat because I did some research on this number and Experian and had come across other people complaining about fraudulent charges mad by a company claiming to be Experian. When they called, they were prompted to give their credit card info and/or ssn. After relaying their information, they were hung on and more charges were made. 
I laughed and hung up the phone. My bank is currently disputing the charges.

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 2018-02-08 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: IL

Complaint narrative:
XXXX  and Experian refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.

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 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this 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 monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation