vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 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: SC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: SC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and 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 2019-02-11 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 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 2019-02-11 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: TX

Complaint narrative:
Company claim they verified this On XX/XX/2018 I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Equifax to remove this account due undocumented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: FL

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Circle Internet Financial
State: OR

Complaint narrative:
I downloaded an application called XXXX XXXX on my phone. My mom sent me a total of {$100.00} and she sent it through the application XXXX XXXX which I had just set up an account and linked my debit card to the XXXX XXXX account it said that I received {$100.00} I went to go cash out so I could put it on my debit card and it said that they were reviewing my account and that it could typically take up to 1 to 3 business days. It has been more than 3 business days now and it says they are still reviewing my account. Now they didn't state that they were reviewing my account until I tried to get my money out. I have since then XXXX XXXX XXXX and I am not the only one that this is happened to. I believe that they are a scam. They are scamming a lot of people out of money. I just want my hundred dollars my car broke down and I was depending on that hundred dollars to add to the money I already had so I can buy a new car. I just want my money that's it. XXXXXXXX XXXX has a horrible way of responding. You can tell that they are automated messages and that you're not speaking personally with anybody. Please help me shut down XXXX XXXX. I do have a lawyer I would like to go about this without involving him being that it is just {$100.00}. But if I have to I will. Thank you guys so much for your help and I hope that this gets me somewhere. Thanks so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: LA

Complaint narrative:
I have an apartment from ( XXXX XXXX ) debt in collections from XX/XX/2013 that really was not even a accurate debt o had an apartment that the lease was fulfilled but because I did not write a 30 day notice up leaving was charged with a balance. The owner didnt not properly contact me I was not aware that account was going into collections. Have yet to receive anything in writing. Account is 7 years old and I have asked for it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: TX

Complaint narrative:
Experian claim they verified this Accounts below XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Experian to remove this account due undocumented proof.

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 2019-02-11 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: FL

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-02-11 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: TX

Complaint narrative:
TRANDUNION claim they verified this Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask TRANSUNION to remove this account due undocumented proof.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Assured Financial Partners
State: MS

Complaint narrative:
The complaint is against XXXX XXXX XXXX ... .XXXX XXXX made a call to my current employer on XX/XX/2019 and spoke with someone in HR in lengths about an alleged debt ... .they told the HR person all about the alleged debt I may owe ... XXXX XXXX made it seem as if I was going to jail behind this debt..They told the person in HR that if I didn't contact them then I will be going to court for the alleged debt. XXXX XXXX XXXX   then stated to the HR person the amount and court fees if they don't get in contact with me ... Not only did the person in HR was told this ... but someone else was in her office and she had XXXX XXXX  on speaker phone so another employee heard all of this to ... XXXX XXXX XXXX  even went as far as asking HR could they send a certified letter to my job for someone to sign for..I work at night so it would be impossible for me to sign for a certified letter.which in turn means anyone can/would sign for further exposing this alleged debt to unknown persons other than myself XXXX XXXX XXXX also stated since they don't have my address they are going to send a certified letter to my job ... The HR personnel was so worried after the phone call she texted me a message in this regard.. I do have that text message saved also. I've at the same address for 17yrs ... I called the number left XXXX/ case number XXXX to see what this was all about on XX/XX/2019 ... ..The representative of XXXX XXXX told me if I didn't pay then it would cost me XXXX in legal fees plus alleged debit of XXXX ( + ) if I didn't pay ... .He made it seem as if court documents had already been filed when no paperwork was filed for a case in court .... I asked for a debt validation letter but have not received it as of this date .... XX/XX/2019 ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have two late payments on both of my student loan accounts. 

I also have a close Wells Fargo secure credit card account that is charged off and its still on my credit 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 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
I had a male call me about a medical bill while I was shopping at XXXX. He requested my Social Security number and mailing address. I refused to give him any information since I did not initiate the phone call. I thought it was a spam call. I requested a call back number and he refused and hung up the phone call. He said he was from XXXX XXXX XXXX where I have been too, but you can never be too careful. I have never ever had a late payment on my credit report or a lien or anything. Once I receive a bill I pay it. Now as of XX/XX/2019 my credit report shows a collection from XXXX XXXX XXXX in the amount of {$250.00}. My Husband and I are planning on building our Dream House this spring and my XXXX mid score dropped to XXXX which means we will not get the lowest interest rate. Please help me and advise on what to do, when I call the XXXX XXXX. XXXX, it just goes to voicemail. I have paid every bill from XXXX XXXX XXXX so I don't know who this Company is.

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 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
y name is XXXX XXXX XXXX.I am XXXX citizen, password XXXX XXXX. I am here visiting USA us a tourist visa XXXX.I opened a check in account in Citi Bank ( # XXXX ). Then l opened a check in account in XXXX ( my account numbers I is XXXX ). Can you help me please to resolve my problem which is started : XXXX XXXX, 2019 I transfered {$16000.00} from my Citi Bank account to : Wire funds to XXXX XXXX XXXX XXXX, NY, Routing number XXXX, for credit to XXXX XXXX XXXX XXXX, account number XXXX, for the benefit of XXXX, Adress XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, SWIFT code XXXX. 
That account number in XXXX XXXX  is for XXXX XXXX, brokers company. 
During the transaction Citi Bank made two mistakes : 1. The first was the wrong account number, which was XXXX instead of XXXX. The following day, XXXX XXXX l went to XXXX XXXX  office. y account did not receive the electronic transfer from Citi Bank. Returned to Citi Bank and show them that the account was wrong. One of the employee s said the mistake was corrected and the funds transfered again. 
XX/XX/2019 went to brokers company XXXX XXXX office and my account did not show the transfer. gain returned to Citi bank to show them the incorrect spelling of my name. hey wrote XXXX instead of XXXX. 
XX/XX/2019 checked account in XXXX, only to find find no transfer received. Returned to Citi Bank and the employee stated that it will be resolved withim 2-10 business days. 
XX/XX/2019 returned and to Citi Bank because account did not show the transfer. 
Asked Citi Bank employee to assist with the transfer because I have only {$1000.00} with to live.I was told it will take another 5 business days to correct the mistake. 
XX/XX/2019 there are no fund in my money. It has been at least 10 days already. Your assistance is greatly appricated. 
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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MT

Complaint narrative:
A previous complaint was lodged against Specialized Loan Servicing, and now another problem has come up. 

About 2 weeks ago I received a letter from the servicing company stating they were increasing my escrow payments by more that {$200.00} a month, and their own figures on the document did not show a need to increase the escrow payments Since I am required by my home insurer to pay the annual insurance in XXXX myself and that they will not accept the servicing company 's payment.

I phoned and spoke to a customer service person with the servicing company and they said I could not speak to the escrow department and they would send them a message that I have to pay the home insurance myself in XXXX, and to figure that into new monthly escrow payments ; last week I received a letter from them stating I could not eliminate my escrow account, which I did not ask to do! 

I called and spoke to another customer service person and was told that is their final answer, and that even if the home insurer requires me to personally pay the annual policy, that they would require me to make the increased payments into my escrow account, adding more than and excess of {$2400.00} in my escrow balance that they would just leave in my account and not refund to me for the foreseeable future, which is against the law. 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT 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 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank checking account overdrafts and fees 1 ) instructions by me not to pay any overdrawn amount repeatedly ignored 2 ) overdraft policy poorly defined 1 month only overdraft paid is scheduled payments not debit purchases after funds not there only to have it change and debit purchases allowed but scheduled payments returned only 5 days after they post to account ie I made two credit card payments within 30 seconds of each other because I have two cards with one company. Almost a week after they posted to my account one of the payments was reversed meaning my account was charged overdraft fee when it posted and return fee when it was arbitrarily sent back. A week later a scheduled payment was paid posted to my account then a week later returned. Overdrafts are allowed to accumulate and then at an arbitrary time card is constantly declined. Over a year ago I repeatedly requested no overdrafts because every manager I talked to defined it differently how and what debits are allowed as overdrafts. This refusal to follow my instructions has resulted in high overdraft fees every month resulting in THosands of dollars paid in fees over the life of my account.

3 ) Six months ago I deposited check from company. Bank sent letter saying extended hold placed on it. Bank sent letter within 3 days of deposit saying would not honor check. My bank app showed that the check amount not credited to my account but their register showed it being deposited delaying fund depletion but when sent back I incurred fees and overdrafts These policies make it too difficult to manage account to prevent overdrafts but the bank does not seem to allow me to request no overdrafts. I am XXXX in constant pain and the mental process of managing condition causes lapses in my ability to manage funds using online tools that is why for over a year I have requested no overdrafts to be allowed. The arbitrary overdraft policy assures bank of monthly overdraft fees and a {$30.00} a week extended overdraft fee costing me thousands of dollars in overdraft fees. Over the years my complaints have resulted in some fee reversal but it is nothing compared to money I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To : Wells Fargo Foreclosure XX/XX/2012 REF : XXXX XXXX  : XXXX Wells Fargos attorney : XXXX XXXX XXXX, XXXX Florida XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, Florida XXXX XXXX, Case No. XXXX, WELLSLPS-FHA-XXXX XXXX XXXX. 

After many tries, Wells Fargo denied my Home Loan Modification. My home was foreclosed by Wells Fargo on XX/XX/2012. I consider, we were qualified for Home Loan Modification and we would have stayed with our house. 

We are now seeking compensation for financial losses incurred upon our house foreclosure. 
I want to know, the steps necessary to take legal action against Wells Fargo for the mistake they did, the stress and economic consequences they caused to me and my Family. 

Thank you in advance for your response.

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 2019-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Im receiving 4+ calls a day from various numbers from the same company. When I answer, there is no one on the other line sometimes for at least a minute and after Ive said hello many times, then I hear a click and someone asks for me. I answered again today and they didnt identify themselves but I said to stop calling me. I called back to see what the recorded message says and it says CBE group. They never leave a voicemail, and continue calling back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: MS

Complaint narrative:
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of Equifax, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. Equifax would not allow me access to my report. I have been denied credit because of this.

Company response to consumer: Closed with explanation