vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Refinanced XX/XX/XXXX Wells Fargo is unable to correct problem that they created by adding escrow to the loan. Wells Fargo failed to pay property tax which caused home to go to tax sale. Spent three months telling them they forgot to pay my property tax. Finally in XX/XX/XXXX they paid taxes late which cause the next year escrow account to double causing financial issues. DO NOT NOT WANT WELLS FARGO TO PAY MY ESCROW. 
The following year computer decide to triple my escrow account as payment was under {$400.00} a month and with escrow around {$500.00}. Last years account was {$560.00} which should be XXXX dollars less and taxes and insurance should be no higher than {$500.00} This years escrow should be not {$600.00} for their mistake but again there was over {$800.00} short fall. Each time I call and right they delay and refuse to admit the mistake and give me credit. 
The customer relations department is terrible and just lie or transfer to another department Account XXXX Wells Fargo Bank

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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greystone Alliance LLC
State: MD

Complaint narrative:
They call my dad and say it is XXXX XXXX calling because a formal legal complaint has been filed against me and if he or I do not call back that they will have to get the police involved to find me. I call their number, XXXX. I am my dad 's XXXX and with him all day. This caused unnecessary stress for us both. I called the number and it is XXXX XXXX. They are a collection agency that demands payment immediately by credit card or they threaten you with court and jail time telling you that you committed a crime. We had a call exactly like this 5 months ago where we reacted to the fear tactics and we paid off more than {$600.00} for a supposed pay day loan that I never took out. I will not pay another fear mongering debt collector for a charge that is bullied and not mine. I especially ca n't get past them trying to scare my dad with the way they leave their messages and try to pretend the person they are calling about is about to be arrested if not for immediate action. I honestly do not know if this is connected to the company I dealt with over the supposed payday loan months again but their tactics are identical. I ca n't help feeling they are the same company or connected to them. Please help put a stop to this type of fear and lie based calling of relatives.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NV

Complaint narrative:
I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: MO

Complaint narrative:
I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, Equifax and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had my mortgage with Wells Fargo since XX/XX/XXXX. I have paid my mortgage with bill pay since inception. As of my XX/XX/XXXX payment in XX/XX/XXXX,  Wells Fargo began charging me a late late fees because they claimed I did n't pay my XX/XX/XXXX payment. 

I received a phone call for the first time on this matter on XX/XX/XXXX from a collector who claimed I am past due and owe over {$400.00} in late fees. 

Upon inspection of my payment history, I was able to prove that they posted 2 payments from XXXX XXXX on my account in XX/XX/XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX.  They then claimed that the applied the 2nd payment as a principal only payment because it was the 2nd payment I made that month and it was before XX/XX/XXXX. 

I then proved that this same situation occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and yet they did n't apply those payments a principal only. 

They then told me that I had to wait 24-48 hour that someone would acknowledge that they have opened a case for me. They made no commitment as to when the issue would be resolved even though they agreed I proved I made all my payments. 

They did agree to put a hold on all collection calls while they fix the issue. I now have to wait 24 to 48 hours for someone to call me back and then tell me how long it will take them after that call to finish researching and fixing my issue.

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 2018-01-24 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-01-24 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? 
Thanks, 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 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

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 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX and the credit bureau TransUnion, XXXX and XXXX, I even conferenced a call with TransUnion and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

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 2018-01-24 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: Executive Financial Consultants, Inc
State: MO

Complaint narrative:
I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

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