vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed

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 2018-04-18 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 was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
there has been fraudulent charges on my card and I have notified them numerous times and they did not handle the matter. I continued paying and still have paid but they have my balance incorrect and have not removed the charges. they notified last week of fraudulent activity onmy account themselves and I called them back and confirmed that it was not a charge made by me. they advised they would close the account and send me a new card with a new account number, my husband has only received a new card and myself the main account holder has not received the new card. the balance they now transferred to the new card and it should reflect a XXXX  balance with a new account and card and that has not been done after numerous reach out attempts to them

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
charged a pre-payment fee on a lien that was placed on wrong parcel Attached papers of loan, fee and other informationl

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 2018-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We applied and were pre-qualified for a mortgage with Santander bank. While in underwriting the underwriter ( XXXX XXXX, Santander Credit underwriter III ) decided that my wifes income from XXXX would not be allowed and demanded an additional 10 % down to issue the mortgage ( taking us to 20 % ) He additionally refused to give credit for my annual bonus due to being with a new company, even though i have over a decade of bonus history. He refused to give even a pro-rated amount for my wifes ' earning potential even though she has 20+ years of earning history. I have over 15 years of bonus history. Due to his exemptions of our income, the calculations put us at a 42 % gross income to mortgage ratio ( 2 % above the threshold for a 10 % down loan, requiring we step up to 20 % down ). This feels purposeful and predatory. 

While this was going on we expended several thousand $ of inspections fees, appraisal fees and a lease break on our apartment. Sum total {$11000.00} and are now on the hunt to find a new place to live. ( And our credit scores were negatively impacted ). 

They did not provide a disclaimer that they would refuse to accept my wife income ( due to it being from another state ), nor my bonus when we signed up to work on this mortgage with them.

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In putting together it's response to complaint XXXX, Wells Fargo just sent me ( and my ex-wife, who isn't on the loan since modification and hasn't been involved in this fiasco since XX/XX/XXXX ) a letter explaining that although they hoped to have a response to me ( when in fact the response is due not to me, but to you, the CFPB ) by XX/XX/XXXX, it looks like it may take until XX/XX/XXXX. 

Given that we've caught them in quite the series of lies, that's fine. Lawsuits will wait. 

Here 's the thing : aside from the gravity of the underlying complaint, aside from their inability to put together a timely answer, and aside from the fact that they DON'T MENTION THE CFPB AT ALL, as if I'd merely called to inquire about the status of a loan application ( not shocking considering the esteem in which the hold the CFPB and the government ), the truly shocking thing is this : They sent the letter to the house from which they evicted me and my children. 

If there is any entity, individual, or consciousness ( poor choice of words on that last one ) that knows I don't live at XXXX XXXX XXXX, it is XXXX XXXX. 

There are truly, truly, no depths of ignorance and inhumanity to which WF will not sink.

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 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc
State: IA

Complaint narrative:
This debt came about cause of a terrible court ruling in a eviction case in XXXX XXXX. I had been living at XXXX XXXX for two years. They had had several landlord changes. They all knew ahead of time I work out of town for the summer. There is several reasons why i believe this ruling was wrong. For one they had more then enough notice knowing i would be out of town. Cause they had tried to evict me and dropped it after i told them i had phone records to show they knew cause i had called them. Two by the Iowa calculation of time the rent was paid on time. I had a hearing in which my attorney did absolutely nothing to help me. And after the hearing i lost. i did some looking myself and found out the Iowa codes and appealed the case. The judge took about three months to rule. In here ruling in which see stated the wrong facts she ruled to up hold the original judge ruling but gave me my appeal money back. i was on a month to month lease so honestly by my lease agreement which XXXX XXXX has XXXX broke the lease. My lease agreement said rent was late after the XX/XX/XXXXand a XXXX fee was added. It also says that there was a dollar a day fee UNTIL rent was paid. The amount XXXX is trying to collect from me has the XXXX fee plus the dollar a day for each day after the XX/XX/XXXXin that month. I am unable to try to get legal help any futher in court. This collection agency knows this ruling was completely wrong and has evidence there to show it. They told me if i could show the ruling was wrong they would drop it. I did. Then he said they would drop all the over charges and they haven't. They just filed a false claim in court against me saying i was hiding not to be served. They have an attorney there XXXX XXXX so they should know the law and these ruling was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My credit was fraudulently used by another person that was not me. This person made charges towards my XXXX XXXX account. When I called XXXX I asked what had happened and they said my address and the name on the account was changed. This person made over {$3000.00} dollars of fraudulent charges on my XXXX XXXX account. This person managed to also change my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Central Credit, Inc.
State: CA

Complaint narrative:
A few years ago my wife and I purchased a timeshare while in XXXX XXXX. The Company is called the XXXX. We made our payments on the mortgage over the years and a few times we were late resulting in the company reaching out to us by email. They have always been able to contact us when they wanted to. They are not so good with returning emails. Over the years we have never received a coupon book for the mortgage or the maintain fees. We just continue to mail off the mortgage payment with a little extra every month. Last month, we received a notice in mail we finally paid off the mortgage with a refund. However, over the last 3-4 years we were sent over to a collection agent one in Florida and now one in California. This new one in California has attached a bad debt to my credit for these maintain fees that I know exist but the company never once reached out to me until these third party companies started adding in their extra fees. I attempted to talk with a XXXX XXXX today who was yelling at me about not paying my bills. Stating I moved without informing the company but I never lost contact with them for the mortgage payment they made sure of that.

The collect agency is : Continental Central Credit Inc.

Address : XXXX XXXX XXXX XXXX  CA XXXX Phone number : XXXX Rep : XXXX XXXX I dont mind paying the maintenance fees to the company directly but why wouldnt the XXXX  company contact me directly first. Why, would these people attach their self to my credit report when they didnt even look at it when I bought the timeshare? I feel this has some discrimination in it because we have credit reports in America allowing these companies to have some power over people while in other countries they dont these reports to granting this power. In addition, if I do owe them all this money why did they refund me from the overpaid mortgage? None of this make sense and rude collection agencies are just trying to make their cut off this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: IL

Complaint narrative:
I demanded that the following accounts be removed from my credit report : XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I received an update from XXXX XXXX stating that there was a collection added to my report. I reviewed it and was alarmed at the results. It is from a company that underhandedly purchased my account, without my permission, and made no efforts to collect on the balance. The original account was with XXXX which was another scam. I contacted XXXX  back inXX/XX/XXXX( twice ) and again inXX/XX/XXXX in making efforts to pay this bill. No attempts were made to debit the amount owed, which is why I called. Next thing I know I am blinded by this negative result on my credit report. I called this company and I got the complete run around. The last person even hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.

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 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


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 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AS

Complaint narrative:
My Name is XXXX XXXX XXXX, on XX/XX/2018 I wired {$80000.00}, XXXX to XXXX XXXX XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. I went to Wells Fargo to file a complaint, they suggest me to call their 800 number and talk to wire department. when I call them this morning they said they can not do anything because i don't own the account and they are not willing to put a note of suspicious activity with this on this account so no one can be harm again, because I have receive another email telling me wired it to different Wells Fargo account. # XXXX which does not belong to XXXX XXXX XXXX XXXX. They are kind of arrogant first they accept wired money which name and account does not match, yet they don't want to help me prevent other people from being a victim.

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 2018-04-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX   Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PRA is continuing to illegally report monthly on my credit reports as a factoring company. PRA is a 'junk buyer ' and does not qualify as a factoring company. They also have continued to report a balance monthly, as well as reporting as the direct account owner with XXXX. This is a violation of the FCRA, as well as a violation of the terms of their consent order. They continued to contact me illegally as well and have denied this despite offering no proof. They called my father and my work after repeated requests to stop contacting me. They have also continued to claim they have sent me debt validation and information about my account balance, but have failed to provide either. 

It's clear from the below article and consent order that PRA is continuing their predatory practices and their refusal to provide information to me is a direct violation of this. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX   They have also 'soft pulled ' my credit numerous times, in what I assume is an attempt to continue their practices and looking for new ways to contact me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Bank drafts setup for a new vehicle. We moved once and changed banks once during the 5-year loan. The ACH form was updated 3 times. Our address has been corrected on at least 5 separate occasions with this bank ( TD Auto Finance ), and we had more than one account. It was noted on several different occasions that our address wasn't updating for this account, but that it would be resolved. Our phone numbers remained the same for the 5 year period as did our email address. Bank drafts went through each month on time. We do not pay bills late. TD Auto Finance never had an issue with our payments, and never once made any attempt to contact me over phone, mail, or digitally. Then : In XX/XX/XXXX, more than 60 days after the title should have been mailed out : I received a collection call about this loan. TD Auto Finance states that there is small print somewhere stating that they don't draft the last payment ( originally {$570.00}, now {$600.00} ). I have now spoken to TD Auto 5 times since XX/XX/XXXX with 4 of the calls ending in " we're sorry. this was our fault. we will fix it and call you back on this specific day ''. Never once was my call returned. 4 days later, my perfect credit score dropped by 80 points. I am furious. I have recorded all communications and phone calls with TD Auto Finance ( I reside in NC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I purchased a pair of boots from XXXX XXXX online. When I received the boots, the zipper was broken. I sent the boots back and XXXX XXXX reimbursed my debit card XXXX, for the cost of the boots. XXXX XXXX also sent me a letter stating that they refunded the XXXX to my debit card with Wells Fargo bank. I have spent at least seven hours on the phone with Wells Fargo 's executive department and they can not reimburse me the funds because I closed my checking account with them thirty days prior to XXXX XXXX putting XXXX on my old debit card. Wells Fargo said they closed the claim because they sent the funds to XXXX XXXX. In the letter from XXXX XXXX, it specifically states that XXXX XXXX has no account or way to accept funds. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX. I am filing a fraud complaint since Wells Fargo will not pay me 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 monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
this is not mine and I cant get a house due to this collection.

Company response to consumer: Closed with non-monetary relief