vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XXXX 2017 and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

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 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, 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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new 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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new 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 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.

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 2017-08-03 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: NC

Complaint narrative:
Transunion had a glitch in the system which caused all inquiries to delete.TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added they said they could not remove them I also asked to talk to a US representative and I was hung up on, these inquiries add a hardship and my rights were violated by TransUnion.

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 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Yet another worker that just can do there easy job right..i gave her my CC number 2 times over the phone for capital one and she said the payment is processing the confirmation number is XXXX ... she said it went through..well when i checked today and tonight at XXXX ( stayed up to see if it would show ) it 's not showing ... i went on chat and after 1/2 waiting and chatting the chat worker did n't know either..i paid {$40.00} dollars to what XXXX? the sky? ... i do n't get it ... I do n't know how these people are hired and do n't care..i just want to know and now have proof where my hard earned money went ... so this is the reason i have to do this again ... my XXXX if this place was n't here over half the world would be ripped off..wth is happening ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Someone opened a Discover Card Acct in my name. I 've tried to get this resolved and reported as fraudulent but to no end. What makes no sense at all is that, this is the 2nd card that was opened in my name and written off through Discover card. How is it even possible to to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PREFERRED CREDIT INC
State: NC

Complaint narrative:
Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Company continues to call me throughout the entire day from different numbers. I have asked them to stop previously through the CFPB and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
This company is trying to collect a debt that is well past the statute of limitations. They are also trying to get my financial information from my finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NV

Complaint narrative:
XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: AFNI INC.
State: LA

Complaint narrative:
Asked Afni to validate the debt, not verify the account listed on my credit 3 credit reports. All I received back was a statement that account was verified accurate. I received nothing visual such as ; a date listed as to when account was opened, what address the services were rendered nor a signature to validate their justifiable cause to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Midwest Recovery Systems
State: SC

Complaint narrative:
Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE XXXX XXXX XXXX XXXX  WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A XXXX BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: NY

Complaint narrative:
I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand

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 2017-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to  send them all the requested documentation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation