vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: IL

Complaint narrative:
The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, Transunion, & XXXX). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX

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 2019-12-12 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: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, XXXX, & Equifax). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In less than a 24 hour period I have received three separate phone calls from XXXX XXXX XXXX. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of  my social. When I called back to find out who was calling, I was threatened with a lawyer. XXXX then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need XXXX to cease contacting my former relatives ( ex-brother-in-law. )

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 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX, I called PHH Mortgages regarding a status update for a loan modification assistance application that had been submitted on XX/XX/XXXX, for XXXX XXXX, I made 2 follow up calls after sending this assistance packet, first call was on XX/XX/XXXX, and spoke to XXXX and was told it is a complete packet and no docs. Needed at this time. The second call made on XX/XX/XXXX, I spoke to XXXX, and was told no docs needed at this time and file is currently in underwriting for review and to check back once a week to make sure that if underwriters need any further documentation and to check the status of the application. Today XX/XX/XXXX, I called to get the status and was told to my surprise told an application for Mr. XXXX has never been received and that there is an active sale date for XX/XX/XXXX, and I was asked to provide proof of the fax transmission of the assistance packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$520.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account. 
- Show me that you are licensed to collect in my state. 
- Provide me with your license numbers and Registered Agent of Service. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 


If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
SUMMARY : 1. 3 1/2 YEARS OF CONTINUED FRAUD NO ACCESS TO ONLINE BANKING ; & 2. BLOCKAGE ON THE CARD STATEMENTS ONLINE & REQUESTS FOR STATEMENT REFUSED TO BE SENT ; & 3. FAILURE TO CORRECT FRAUDULENT TRANSACTIONS & /OR DISCLOSURE THE TRANSACTION ON A WRITTEN STATEMENTS ; & 4. BALANCE & PAYMENT AMOUNTS NO ACCESS & REFUSED WHEN I CALL INTO THE COMPANY ; & 5. NEGATIVE CREDIT REPORTS WITHOUT ACCESS ; & 6. NEGATIVE PAYMENT HISTORY NO ACCESS ONLINE OR CALL IN ; & 7. THE CARD HAS PRIVACY ISSUES, AS IT APPEARS THE ACCOUNT HAS BEEN TAKEN OVER BY A 3RD PARTY FOR A PERIOD OF 3 1/2 YEARS THIS HAS BEEN CONTINUOUS & ONGOING.

TO MY KNOWLEDGE THERE IS NO CITIBANK MASTERCARD. I DID NOT ASK FOR A CHANGE FROM CITIBANK VISA MY ORIGINAL CARD TO CITIBANK MASTERCARD. NO TERMS WERE ISSUED OR ANY OTHER DISCLOSURES. I BELIEVE THIS CARD IS ISSUED IN FRAUD & ACCOUNT IS TAKEN OVER BY A 3RD PARTY.

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 2019-12-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo could not pin-point of the itemized charges on our Visa Card. All WF did was sending voluminous ( 20 pages each time ) papers ( not its regular monthly statements ), It was arbitrary and irregular. Why we're forced to pay the arbitrary amount 'fabricated ' by Wells Fargo Visa ? There seems to be elements of their being maliciously creative. 

On hindsight, it might be unauthorized charges done by XXXX XXXX. But WF never clarified and gave us a chance to rebuke as a Credit company should do. 

XXXX XXXX is reexamining its incorrect report on its incorrect report.

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 2019-12-12 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: FL

Complaint narrative:
I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

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 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I presented a cashiers check for {$12000.00} drawn on BMO Harris. They said they do not cash cashiers checks for non-account holders for over {$10000.00}. This, of course, give me no option to cash the check. I tell them they hare forcing to open an account. They say they are not. But the only way for me to access my funds is to open an account. I protest and I am upset by this but I have no choice. 

This occurred today, XX/XX/2019 at about XXXX at BMO Harris branch at XXXX XXXX XXXX XXXX in XXXX. The banker, who clearly was ticked off, took two hours to open my account and while he had said the funds would be available in one day, he made me sign something saying the hold would be NINE days.

Thats nine days on a cashiers check drawn of a BMO Harris account being deposited in to another BMO account. This is outrageous. I need this nine day hold taken off immedaiately. Please help. Thank you, 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 explanation
Consumer complaint received 2019-12-12 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: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. The following accounts need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX, DEPT OF ED/XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. 
These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : 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. 

On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. 
These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northtown Capital Services Group LLC
State: MO

Complaint narrative:
On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with Northtown Capital Services Group who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called XXXX XXXX. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: KS

Complaint narrative:
American Coradius International is collecting an XXXX XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: FL

Complaint narrative:
I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

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 2019-12-12 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: FL

Complaint narrative:
I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A charge from American Experess Travel for {$350.00} was canceled yesterday on XX/XX/XXXX. The representative stated within 24 hours of canceling the charge, it will roll-off the statement. That call should be monitored and recorded. 

Today, it posted onto my account. After being transferred three times, they stated their " system was under maintenance '' at XXXX PST. They were unable to find my canceled booking even though I have the confirmation email. 

The representatives did not help at all and now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
For 2 months I have gotten harassing emails stating there is a balance on my account when in fact I'm paid up and and head of schedule. When the first appeared I called customer service to ask about it and the representative could not say why and said a supervisor would get back to me. No one ever did. 

When the second arrived earlier this week I emailed instead to have something in writing and I was told I get the notice because the balance is there but not due. That does not make sense at all. Why all of sudden is a notification being sent that specifically says there is a balance? Of course this is alarming to anyone who takes their financial security seriously. I pay my bills on time and have from day XXXX. I do not understand this intimidation tactic. 

Additionally, they refuse to give details as to why I am ineligible for an interest rate reduction when I have a spotless payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had a home equity loan with Discover Bank for {$75000.00}. In both the Loan Estimate and Closing Disclosure, it states under " Prepayment Penalty '' that there was none. I was also told this verbally. However, in a later set of documents it does describe a prepayment penalty if paid off within 36 months. I believe this discrepancy between the documents is deceptive. I believe I was lead to believe that there would not be a prepayment penalty and was surprised to find this {$420.00} penalty in my payoff letter. I spoke with a representative who agreed that it was misleading then a supervisor who noted that it was in another document which I signed. I told him I felt deceived but he was not willing to refund the prepayment penalty. I'm curious as to how many other people they are doing this to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 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: NY

Complaint narrative:
On, XX/XX/2019 Experian provided (XXXX with credit report about my XXXX XXXX which was totally inaccurate. XXXX  did not have a legitimate reason for this information.  XXXX  then used the crediti report in an inappropriate manner in a lawsuit, as part of an exhibit for the purpose of defaming me. Experian transaction number is 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