vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 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: TX

Complaint narrative:
I have disputed these fraudulent charges recently and of the 2, One was removed but they are clearly made in the same store by the same person but only one was used. I am disputing the other charges as well. On XX/XX/16 The amount was {$790.00} with 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 2018-09-25 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NY

Complaint narrative:
I am a victim of identity theft

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing Inc on behalf of XXXX XXXX- XXXX XXXX - XXXX Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE, XXXX keep harassing me even though my mortgage is up to date. 
As of XX/XX/2018, the above entities bought my mortgage from XXXX XXXX XXXX  and has removed the mortgage payment from my checking as automatic withdrawals yet it keeps sending me letters stating that I owe a late fee for late payment. I have written t the company for clarification and since then have sent me multiple letters demanding I pay off my mortgage, multiple letters that make it seems that my mortgage is late ( including late fees ), and I am not capable of paying my mortgage, even though the funds are withdrawn directly from my checking account by SPS through Automatic drafts. I have received a total of 10 letters implying that I am having difficulty paying my mortgage and I have received 2 letters demanding I pay off my mortgage. Since this company is a debt collector, I am very concerned that erroneous information will be provided to anyone with whom this company shares information. 

1. This harassment is not appropriate. SPS is a debt collection agency and I want to know if either entity has the right to demand a payoff. 
2. since it is a debt collection agency, any documentation within its records can be shared. This is libelous and injurious to my credit worthiness and it appears to be a deliberate effort to sabotage any effort on my part to refinance with another mortgager. 

Today, I received a second note requesting a payoff of the mortgage. I have written to SPS and have not received a adequate response, yet I keep receiving notices that I owe late fees, that a payoff is required by XX/XX/2018 I do not trust these companies ; My mortgage is current and up to date. 

I truly believe this is how these two companies work to obtain high valued properties by creating false delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2018, my Chase bank account was charged for {$150.00} from XXXX XXXX XXXX, because I had put my debit card on file for my brother in law to receive auto insurance from XXXX. On XX/XX/2018, I had contacted XXXX about this, stating that he was supposed to remove my card from the policy and replace it with his, in which the representative promptly removed my card from the policy and advised that I contact my financial institution to file a dispute, so that I would receive that money back. I contacted Chase, had filed a dispute, and received a temporary credit. On XX/XX/2018, the credit was removed. Upon contacting Chase Bank and speaking with their XXXX Department, I was advised to contact XXXX, because they had sent a request for the funds to be returned, but had not gotten a response. I contacted XXXX, in which they informed me that they had not gotten a response. I contacted XXXX and Chase Bank several times, back and forth, getting different responses ranging from we haven't gotten a response from XXXX XXXX XXXX has denied your claim, based on the fact that you authorized automatic withdraws on your debit card, in which I had not taken off before the transaction started. When I filed the dispute on XX/XX/2018, which wasn't processed until XX/XX/2018, I was advised that everything would be taken care of, and that I would be contacted if any questions were to be asked. Chase Bank has last stated to me that, since the transaction processed, that XXXX XXXX XXXX would have to be the one that has to issue a refund back to me, but will not, because they're telling me that I have to file another dispute with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Freedom Mortgage Company
State: NV

Complaint narrative:
On XX/XX/18 I signed documents to refinance my mortgage from Freedom mortgage XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. Freedom Mortgage XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.

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 2018-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transition has had open dispute for more than 69 days

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 2018-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, I used my Bank of America ( BOA ) Credit card bought one AC through XXXX website in XX/XX/XXXX. But I was charged 3 time for this same transaction, the amount was {$270.00}. I called back and XXXX gave me one refund and told me the other one should be given back to me from BOA. After called BOA, BOA gave me one refund. I thought the case was over. Later BOA sent me a letter asking me to check if this is a duplicated refund BOA would take it back. My understanding was that the investigation was still going on and if BOA found this was a duplicated refund, BOA would take it back. After i sent back the letter, BOA took back the refund they gave me, and told me that i confirmed the refund was a duplicated one with that XXXX gave me. This was not correct at all, since i still paid 2 time for one device. I contacted BOA credit card claim department many times, but they refused to correct the error. The reasons they gave me changed each time i called them. For example, they said that the dispute was expired, or that i had signed and confirmed the refund was a duplicated one, or asked me to contact the XXXX. 

I have been asking is just to correct the errors and refund me the duplicated charge made by BOA visa. It is not something extra. My request is fair and reasonable! The Visa company should treat customers honestly and fairly! 

We are very disappointed with the BOA visa service about this problem. I can not believe a big company like BOA Visa card can made such errors and even if they knew that the error was there, they refuse to correct the error! BOA Visa service should correct the errors made on my credit card charge. 

Thanks for your attention and hope yo can help me to resolve the problem. 

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 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Fraudulent Loan. Consumer signed a Negotiable Instrument ( Promissory Note ) which is Legal Tender and for the total payment for the Vehicle in FULL. Credit Acceptance Corporation had Consumer signed a Promissory Note on XX/XX/XXXX and asked Consumer to signed another agreement in XXXX / XXXX of XXXX for the same vehicle with an additional Promissory Note, in which was tendered electronically so that consumer could not properly endorse the NOTE " Pay to the Order of the United States of America without Recourse '', making consumer the " Holder in Due Course '', " The maker of the Note '', and a " Real Party in the Interest '' to said property. Company refused to settle this FRAUD and tried to repossess ( STEAL ) the vehicle after consumer refused to continue making FRAUDULENT PAYMENTS in FIAT DOLLARS ( Federal Reserve Notes ). Company sent a UniLateral Contract signed only by consumer which does not constitute a Legal Contract under Uniform Commercial Code.

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 2018-09-25 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: BAY VALLEY MORTGAGE GROUP
State: NV

Complaint narrative:
On XX/XX/18 I signed documents to refinance my mortgage from XXXX XXXX  XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. XXXX XXXX   XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Opened the account on XXXX. 
Received a direct deposit on XXXX. 
Still have not received the {$400.00} bonus yet. 
Have already contacted the customer service. No response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Vehicle was a volunteered repossession and was declared in a Chapter XXXX Bankruptcy proceedings. This company is FRAUDULENTLY reporting on my credit report as an active account and this account has been closed for at least 5 or more years. Company is trying to FRAUDULENTLY INDUCE myself, a real living man, to make payments on a repossessed vehicle, as if I'm still in possession of the vehicle with a FRAUDULENT CONTRACT in which my name in CAPITAL LETTERS is the debtor. I am not the surety for this name in CAPITAL LETTERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX - XXXX XXXX I don't know how people are getting my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since XX/XX/2018 : ( from XXXX ) XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/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 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: CO

Complaint narrative:
I have never received notice or any paperwork concerning this debt. I have personally contacted the company to dispute this debt. I have also submitted disputes with all my credit report agencies and have been successful at getting it removed with XXXX so far. The debt continues to be reported on my credit falsely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: AES/PHEAA
State: TX

Complaint narrative:
FEDERAL STUDENT LOANS are on only one credit report ( XXXX ) but has been removed from XXXX and XXXX. XXXX was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and XXXX has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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:
I am extremely tired of Experian 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with Experian! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to Experian and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? Experian is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that Experian loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that Experian delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

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 2018-09-25 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: TX

Complaint narrative:
FEDERAL STUDENT LOANS are on only one credit report ( Equifax ) but has been removed from XXXX and XXXX. Equifax was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and Equifax has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX I don't know how people are getting my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I never had XXXX XXXX at the house I was living in I couldn't even get service for XXXX XXXX in the town I was living in during XXXX or XXXX. I dont know where this debt came from or who it belongs to its very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even have access to get XXXX XXXX in the town I was living in during the date issued on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Mortgage was released from a Chapter XXXX bankruptcy in XX/XX/2018. Arrears during the bankruptcy process {$22000.00} were paid on XX/XX/2018. Ocwen assessed on XX/XX/2018 billing statement {$1300.00} for foreclosure fees. XXXX XXXX Florida has no record of any foreclosure filing.

Company response to consumer: Closed with explanation