vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Collection remove from credit report and re-inserted. 

Equifax is not follow FCRA 611 ( a ) ( 5 ) ( b ) of notifying me within 5 days of re-inserting item back on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX19 I was charged XXXX 2 nsf fees XXXX each XXXX19 I was again charged XXXX NSF fee in one day I was charged XXXX in NSF fees for items I never received from XXXX on XXXX19 I was again charged XXXX for a stop payment fee on XXXX on XXXX19 I was charged XXXX again for 2 overdraft charges the charges Wells Fargo is trying to charge me overdraft fees I didn't overdraft I had the money in my account to cover them. They kept my state income taxes of XXXX because they say I was overdrawn and currently Wells Fargo is still claiming my account is overdrawn by XXXX. I have called into Wells Fargo 4 times concerning theses charges 2 times I have spoke with the fraud prevention department and 2 times with employees the last time I called in the woman was extremely rude and unwilling to help me or listen to me tell her the reasons y my account wasn't negative. Why is it Wells Fargo can commit fraud and because they are a bank get away with it that's not right if legally a bank can commit fraud and mess with your money and accounts why can't the rest of us get away with fraud. I'm unemployed I don't have a steady income so what ever money happens to be deposited into my account is the only money I have. It's not ok for a bank to take it for XXXX reasons just because their greedy CEOs want to line their pockets.

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 2019-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
On the morning of XX/XX/XXXX, XXXX XXXX called a relative of mine, stating that I put them as a reference ( when I did not ), who answered the phone and was informed they were looking for me. They specifically stated that they were from XXXX XXXX, associated with XXXX XXXX XXXX, which is a direct violation of the Fair Debt Collections Act ( FDCA ). They can call references, but can not inform them of any accounts I may or may not have. 
Along with that, they contacted another friend of mine and left a whole voicemail, stating they were from XXXX XXXX, and threatening with an attorney. I have a copy of that voicemail, which I have attached. On that same day, they contacted my brother saying they were looking for me and that they were from XXXX XXXX, and a certain debt collectors agency. 
Exposing they are from XXXX, along with associated with XXXX XXXX XXXX is a direct violation of the FDCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
Receivables performance are stating I owe XXXX $ and I feel that I should only pay the service monthly charge and not the early termination due to me bringing over my own phone over which was already paid off.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, Equifax placed a supposed temporary fraud alert on my account, and claimed it was by my request. I called and spoke with customer service, and went through a lengthy and inconvenient verification process and the man on the phone told me hed try and have it removed. After the entire verification, he told me he couldnt remove it, but it would fall off. After a few days, not only did it NOT fall off, they actually updated it to a permanent one, AND I CANT GET IT OFF!!! I have been working on my credit, I pay for 3 different monitoring services, and a credit repair company, and I put in A LOT OF TIME AND MONEY and this is ruining everything!!! I should have received two limit increases that were not given and was denied a car loan preapproval, and this isnt right!!! It clearly says on my report that I requested this, and thats a lie!!! I cant get it off, and now they have locked me out of the online site, and I cant do anything! Please help me remove this!!! I have worked so hard on my report and I am having real consequences because of something that I didnt want, and was put in my report, without my consent! Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
AFETER HURRICANES IMAR I MISS TREE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On the process of correcting errors found in my credit report, I found a lot of incorrect addresses and names. I sent dispute letters to all three credit bureau to fix the issue. XXXX and XXXX fix the incorrect information right away but after several attempts and proof of my right address, Experian has refused to fix this issue. The main reason in my personal opinion why Experian does not want to fix and update this information is very simple, the old accounts are attached to those addresses and names, if they where to be deleted, the old account may also be deleted. So, in turn, you will no longer be tied to these accounts and get a better credit score.

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 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: NC

Complaint narrative:
I received a written notification from RSI Enterprises , Inc. dated XX/XX/XXXX for " DC Office of Tax and Revenue ( OTR ) -Past Due Account ''. The letter includes my personal information and Tax Account Number, as well as the following : Tax Type : Individual Tax Period End Date : XX/XX/XXXX Principal Amount Due : {$670.00} Interest Due : {$380.00} Penalties Due : {$290.00} Total Amount Due : {$1300.00} The letter only states that " this tax liability has been assigned to RSI Enterprises , Inc. by the District of Columbia, Office of Tax and Revenue, for collection. '' It then states that I owe the above total amount, plus additional interest, charges and late fees, with ZERO information as to what this past due fee pertains to. There is no information regarding my option to dispute this claim, and only instructs to submit payment to the debt collector agency. I have lived in North Carolina since XXXX, and have no idea where this is coming from. I have the right to know what " debt '' I'm paying before blindly sending a lot of money I don't have to a debt collector. Of further frustration, I guess I will have to collect " additional debt '' in the form of late fees for every day I have to wait to receive more information. I hate how people are put in this situation when I've genuinely never avoided paying taxes, and get hit with a surprise like this with no chance to understand or plead my case. Hoping someone can help. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
I have received a notification on XX/XX/XXXX that my mortgage has been transferred to a new company, effective XX/XX/XXXX. M & T Bank transferred our home loan to XXXX XXXX XXXX without properly notifying us of this change. The letter addressed to us is dated for XX/XX/XXXX. All information I am finding online states we should have received notification of at least 16 days prior to the transfer. I still have my XX/XX/XXXX payment to complete, and I have no understanding of who I am to pay this to. The new company has confirmation in the packet stating how to pay with check, but i do not use checks.

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 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX   XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX IN XXXX {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$490.00} I believe this is a bank account I did not open!!!

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 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This company has violated the fair credit consumer act 15 USC section 1681i,. They have reported something on my credit report illegally not mine, I received a letter from this company on dated XX/XX/2019 on the letter, stating I owe a debt to them, I immediately sent a certified letter to validate the debt on XX/XX/2019 because I never had a bill or recognize this company.On XX/XX/2019 they reported the item on all three of my credit reports. It hasnt been 30 days from date of letter, an Ive never had any business with this company. Please advise them to remove this account from my reports, because it isn't mine, also they have violated the 15 USC section 1681i act.. If its not updated I will sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I checked my credit report and noticed a capitol one card I did not apply for with an address I never lived at attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. XXXX reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from XXXX and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.

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 2019-02-16 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: CNG FINANCIAL CORPORATION
State: MS

Complaint narrative:
I obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX   XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX  XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago. 

The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old. 

The third ( XXXX XXXX XXXX  ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Citi Cards to dispute a transaction with XXXX XXXX XXXX. The disputed amount {$2900.00}. 

On XX/XX/XXXX, Citi Cards sent me an email stating that my dispute is still open. 

On XX/XX/XXXX, Citi Cards sent me another email stating that the merchant, XXXX XXXX XXXX had responded to my dispute and that I would be notified within 10 business days. XX/XX/XXXX, I called Citi Cards to ask if they needed any documentation from me to support my dispute. I was told it wasnt necessary at this time and that Citi Cards would request it when needed. 

On XX/XX/XXXX, I received a letter by mail from Citi Cards requesting additional information and documents by a due date that expired on XX/XX/XXXX. On XX/XX/XXXX, I called the dispute department at Citi Cards to inform them about the expired due date on the letter and XXXX, the representative told me that she would make a note on the dispute and bring it to the attention of the investigator regarding the expired due date. In the mean time, she told me to submit my supportive documents through email promptly. 

On XX/XX/XXXX, I emailed all my supportive documents regarding my dispute including the notice of cancellation agreement with XXXX XXXX ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from Citi Cards stating that they couldn't resolve my dispute and will be rebilling me the amount of {$2900.00}. On XX/XX/XXXX, I called and spoke with XXXX with Citi Cards dispute department. He said the case is final and closed. He said I was too late to respond with my supportive documents and the dispute can't be reopened.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
im a victim of identity theft and i have about 24 hard inquires that keepin me from building back up my credit score

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 2019-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I do not owe the full XXXX $ balance. I made payments on this loan and I should only owe about 100 $ left because I only borrowed XXXX . I was told that the debt does not go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: MS

Complaint narrative:
I obtained a payday loan from XXXX XXXX XXXX  in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX  for unfair practices and the item removed immediately.

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 2019-02-17 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: TX

Complaint narrative:
XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.

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 2019-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Pennymac loan services is reporting that I have an almost {$300000.00} mortgage loan. I do not, that is my ex-husband and new wife 's house now. My name is showing in loan ex said he called a few months ago when I noticed this error and said company would take care of it. It's still showing in my credit report how do I find out if he somehow kept my name on their house and how do I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
All State Credit Bureau ran my XXXX  credit report twice in XXXX without my permission. I have emphatically disputed the alleged debt and they have no grounds to pursue me for any money owed.

Company response to consumer: Closed with explanation