vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: IA

Complaint narrative:
On XX/XX/2018 I received a letter from Diversified Consultants, INC stating that I owed a debt to XXXX XXXX XXXX, on the letter head it shows the letter dated on XX/XX/2018 this is 11 days past what is allowed by Fair Debt Collection Practices Act. This is a clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: CA

Complaint narrative:
I've disputed Transunion for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.

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 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They keep calling and telling me that I had a credit card that I never had. I told them this, and that I do not have any such credit card on my credit history.

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 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/18 I was depositing {$500.00} into my account at a Chase ATM location on XXXX XXXX XXXX  XXXX, XXXX Ca. When the ATM asked me to insert the money I did so and it rejected one of my {$20.00} bills. When it asked me if I wanted to deposit more I said yes. Then I finished my transaction and I asked for a printed receipt. When the receipt printed the atm only gave me credit for {$20.00}. I went straight to the XXXX XXXX branch to make a claim. The teller told me that they would credit my account and investigate. On XXXX I received a letter saying they couldnt find the money and I would be deducted that credit. When I went back to claim that it was wrong the employee over at the XXXX location claimed that they have had problems similar to this at that ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft Bankruptcy chapter XXXX-dismissed 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 non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: RI

Complaint narrative:
Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX   deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX  with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate UNKNOWN XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: MD

Complaint narrative:
On XX/XX/2018, I sent a certified letter disputing multiple inquires on my credit reports. Trans union was previously notified about the Identity theft. I detail out names and dated of inquiries that are not mine. I also disputed a Bankruptcy and sent in a letter from the bankruptcy court that they do not report information to any credit reporting agency so please remove this information. I spoke with a XXXX and she informed me even though she see it noted about my Identity theft they will not remove the hard inquires. I pointed out how someone applied to the same company multiple times who in their right mind would do that. I just want the incorrect information removed. The last time this happen I had to file a complainant in order to get the information off. This should not be the process. This has an adverse effect on my life and livelihood. and if i am unable to get this information removed I will seek legal action. I have evidence of such, via certified mail receipt, I am maintaining a careful record of my communication with Transunion for the purpose of filing a complaint with the Attorney General Office, should this non compliance of the federal law under the fair debt collection practice act, the fair credit reporting act I remand you that as in XXXX v. Trans Union Corp No. XXXX you may be liable for your willful no compliance Any other action against your company I will be seeking {$1000.00} per violation for defamation, Negligent enablement of identity fraud and Violation of the fair credit reporting act.

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 2018-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've disputed Equifax for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mother passed away in XXXX of this year. I go to probate court on Tuesday XX/XX/2018 I informed XXXX XXXX of this and that I want to keep my mother 's home. They filed to foreclose on my mother 's home for a reverse mortgage a balance due of {$5300.00}. 
They won't talk with me until Probate Court. This is not fair. My mother 's home has memories that I shared with her and I don't want to lose it PLEASE HELP ME, I BEG OF YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate Bankruptcy chapter XXXX-dismissed 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 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have had a credit card with Wells Fargo since approx XXXX. Sometime in XXXX I was attempting to add an authorized user to the card. I went to remove this secondary individual and was advised by Wells Fargo that I could not do so without closing the card. I never added the person as a secondary card holder - only as an authorized user. I have been contacting Wells Fargo about this issue since XX/XX/XXXX. I was assigned a case manager XXXX and she was suppose to follow up. I haven't heard from her in over a month. I have asked over 15 times to be provided copies of documents that prove that I added the person as a secondary card holder - not just as an authorized user and I have been told on many occasions that the documents will be sent to me. They have never sent me any records. I just recently THIS week received a letter from Wells Fargo advising that they identified that the secondary card holder was not enrolled in the rewards program and they were going to add the person. The other person never made a single transaction on the account. The card/account were solely used by myself. I am taking full responsibility for the balance and Wells Fargo refuses to remove the other person despite not showing me any proof that they should continue to exist on the account in the first place. I contacted Wells Fargo through XXXX on XX/XX/XXXX. They called me today and the person that called said they would need to get the credit card executive team on the line and to please hold for 1-2 mins. I stayed on hold for over 20 mins before hanging up in frustration. This is not the first issue I have had with Wells Fargo yet I continue to try to give them the benefit. I am done trying. I have no reason to believe that they didn't add the person as a secondary fraudulently to boost their sales numbers as I know they have received previous allegations of.

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 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from Citibank that they have sold my mortgage to XXXX - however they FAILED to include information as to EXACTLY what information I needed to change in the Citibank Online Banking Payment System - in other words they FAILED to include information on how to change the PAYEE information. I have tried to call Citibank 8 times, I tried to chat with them - and have included note from that chat for your review. I called XXXX they had no answers and told me I had to talk with Citibank. So far Citibank has FAILED to give me this very simple answer. I do not know what to do now? I need the name & correct address that Citibank wants me to change on the PAYEE FORM so that my mortgage payments are sent to the correct PAYEE & ADDRESS - i am  SHOCKED this has been this hard to get???

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 2018-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I have sent numerous letters to the CEO or NCB Management regarding this issue asking for " validation '' meaning evidence bearing my signature, contractual obligations for this debt and claims of 120 past due. I have yet to receive anything from NCB. I sent a certified letter on XX/XX/18, XX/XX/18 and XX/XX/18. Each letter was signed for. I also sent a letter to the three credit bureaus XXXX XXXX, XXXX, and XXXX asking for the same information, they keep stating its been verified but haven't sent me the documentation requested showing how they verified, nothing bearing my signature or how they came up with the 120 days past due. The letters stated this had to be done withing 30 days or the negative tradeline must be removed from my credit report. They all have not done what was requested within the 30 days and have not removed the negative tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow. 

This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.

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 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.

The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-26 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Experian refused to reverse the late payments, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.. CFPB please step up and fix this ASAP please Im looking to purchase a home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Identity problem : I was not formerly known nor have I ever been known as XXXX XXXX as listed under my identity Part 7. Personal Information with Equifax Personal Solutions : Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: HI

Complaint narrative:
" " '' I have disputed this collection on thisXXXX XXXX XXXX for months.XXXX and TXXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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