vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second attempt and request to have public information removed from my credit file. There is two Chapter XXXX bankruptcies listed on my public Experian credit report that I have requested several times to be removed. It has also been confirmed that the U.S. Bankruptcy courts does not and will not verify such accounts ; therefore the accounts has not been verified, the system in which the credit bureaus use to verify information is not the correct method of verification. Per the PROCEEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THESE ACCOUNTS.

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I paid the entire balance on the account on XX/XX/XXXX. Even though the late charge was levied the day before, the credit card company is telling me that it is not included in the entire balance due. ( Huh? I call to pay the entire balance but there is a late fee that is there but it isn't? ) As a result I am thinking that the entire balance is paid and no purchases have been made on the account. So, I don't make a payment in XX/XX/XXXX. However, the charges then appear on the account. Now I have another late charge for XX/XX/XXXX. This credit card company is in the business of making money on late charges. It is trickery and unethical. I try to pay the entire balance but they wont even let me do that and then I get further penalty. Please help. See an excerpt below from my payment history on my account.

XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$25.00} XX/XX/XXXX FINANCE CHARGE {$2.00} XX/XX/XXXX PAYMENT-THANK YOU - {$140.00} XX/XX/XXXX LATE FEE {$32.00} XX/XX/XXXX FINANCE CHARGE {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates calls my home several times every day of the week, looking for some past due amount apparently for my wife. Last week on XX/XX/XXXX I told them to stop calling but they have ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. 
I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. 
I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. 
Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score was dropped to a very poor level when I paid off my XXXX XXXX account with no bad remarks on XX/XX/2018 and restarted the same account later but Equifax, and XXXX reported that it as a credit debt to pay off the account balance but still they committed fraud contradicting their own standards because the account was reopened in the same month with a new balance. They are revolving around businesses that I own that are committing this fraud daily. I own the XXXX XXXX, XXXX, XXXX XXXX  markets. I have been attacked by employees and discredited from my large income. Credit monitoring companies use my office business resources to hack a credit score monitoring system to steal my businesses in this up rising. XXXX are involved. I need my credit to get out of this ground zero where respectable home brand names businesses are thrived from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This is regarding Wells Fargo. Was trying to receive a loan modification. In XX/XX/XXXX. Wells Fargo is saying I was late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have documents showing my payments in all four months in the amount of {$800.00}. Wells Fargo did not tell me the loan modification would count as late payments on my credit report. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made double payments in the amount of {$2100.00} to get caught up. Wells Fargo has recently been convicted of unfair lending practices.

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 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My homeowners insurance policy was scheduled to expire on XX/XX/XXXX. However the renewal was {$3900.00}. I found a cheaper policy for {$1700.00} & the insurance agent forwarded the declaration page to Select Portfolio Servicing on XX/XX/XXXX. After several phone calls to SPS, I was told on XX/XX/XXXX that a cancellation had been received for my previous policy with XXXX  XXXX XXXX XXXX XXXX my new insurance information with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00} had been processed & mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, the new insurance carrier never received a payment for my new insurance policy & SPS is threatening to buy insurance for my property at a more expensive price because they received a cancellation from my new insurance carrier. I am writing to you asking for your assistance because this company has a reputation of fraudulent practices & something needs to be done to ensure that the consumers are protected. Please note that although a date is stamped in their system indicating a payment was processed & mailed, the payment never actually leaves their office for over a week. If I contacted SPS on XX/XX/XXXX to let them know that my insurance policy expired on XX/XX/XXXX, then when the payment was processed on XX/XX/XXXX it should have been overnighted to my new insurance carrier. This is the practice of other mortgage servicers & it should be the same for SPS. This company is fraudulent & a complete rip off to consumers & need to be closed permanently! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: NC

Complaint narrative:
I've sent a debt validation letter to this company and haven't received anything in return. This was over 45 days ago. I do not know this debt and would like to see a signed copy of the lease/contract binding me to this debt. If this company is unable to provide this, I'm requesting it be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a solicitation to open a checking account and receive {$200.00} after 3 direct deposits totaling {$500.00} a month were made. I opened it on XX/XX/XXXX and the deposits of social security benefits were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I called Wells Fargo customer service and was told they had no information regarding a {$200.00} bonus offer. I then went to their branch in XXXX XXXX CA with proof of the offer ( attached ). They spent one hour of my time scrutinizing the offer and expressed disbelief that it was genuine. It was very humiliating. I left without any confidence they would ever provide the bonus.

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 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My Mortgage loan was transferred to a Servicing Company on XX/XX/XXXX The Mortgage Company was XXXX XXXX XXXX. In XX/XX/XXXX I was laid off my job and got behind in my payments. I contacted XXXX XXXX for assistance and they a modification which was raising my interest rate to 8 % and placing {$37000.00} in a deferred status to lower my payment for a short period of time. They told me once I regained employment my loan could be adjusted back to the interest rate and also that the deferred interest may even be written off because of the dropping value of homes in my neighborhood. I agreed, and once I gained employment went back to have another modification. Bayview Loan Servicing told me they could not help me because they were the Servicing Company and they did not do modifications or refinance since I was not delinquent. I contacted  XXXX XXXX and they would not help. The Loan has now been sold to XXXX XXXX XXXX XXXX   XXXX XXXX. I have called to speak to someone there for the last three months, and have not been able to speak to anyone. Four years plus of paying all this interest plus having {$37000.00} just sitting is very frustrating. I am at retirement age with a upside down loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I noticed a credit card taken off my credit report. I also noticed that the same card that has been taken off my report without my consent is also reporting to all three credit bureaus but, they removed it without knowledge to why there affecting my credit. I have been paying all my credit and it is still below 550 on report although 1 account would not lower my score to that point of a drastic change. I am also have been compromised with emails, and it seems that someone is using or interfering with my identity for some apparent reason. The past 90 days my credit has been paid timely and the banks state there being told to lower my score based on my credit scores that I believe is being compromised deliberately through this computerized system that is able to do fraud acts to consumers since this breach of identity with the credit bureau who was compromised all my scores are below and my cards are being removed even thorough this would have helped my score it seems someone is affecting my credit score to prevent me from moving forward. I would like an investigation. I have six credit cards and one was taken off without no explanation and no one seems to have any idea to why it was deliberately moved. That would change my scores and all the banks have lowered all my credit cards based on whatever is going on.

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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I applied for credit from XXXX XXXX XXXX XXXX and was denied reason given, Unable to verify credit accounts. XXXX XXXX pulled this info from Equifax. I have contacted Equifax twice and was able to verify all my information is correct and there are no freezes or alerts on my credit. I reapplied for my credit with the same bank and I am still receiving the same reason. I have no idea what the problem is and would really like to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.

I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Per the letter I received from XXXX if I didn't pay my final bill they would automatically withdraw {$600.00} out of my account. They withdrew {$600.00} on XX/XX/2018 from my credit card. I am disputing the posting of the collection account on my credit report by XXXX XXXX. I would like for them to remove this account from my credit report due to the fact they had no legal reason to report the debt nor did they own the debit and the debt was paid to the original creditor ( 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 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear CFPB, There are two Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information. 

They are XXXX XXXX with an open date of XX/XX/XXXX and XXXX XXXX with a open date of XX/XX/XXXX. XXXX and XXXX have similar Collections reported. 

Last year, I contacted the three Credit Reporting Agencies about these collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation. I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported. 

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these erroneous collection reports removed from my three credit reports? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequoia Financial Services
State: IL

Complaint narrative:
I had a debt with XXXX XXXX due to an car accident which took place in XX/XX/XXXX. In XX/XX/XXXX, I was notified that my license was in the process of being suspended. I set up arrangements with Seqouia Financial in XXXX XXXX, CA. I initially paid {$200.00}, and agreed to pay {$100.00} a month until paid. In XX/XX/XXXX, I was laid off and began receiving unemployment in XX/XX/XXXX. I made the required payments until my unemployment exhausted in XX/XX/XXXX. My loan recently defaulted and I was told my license would be suspended on XX/XX/XXXX, during a routine traffic stop. I had not been receiving mail because during my layoff I had to move with my parents. On XX/XX/XXXX, I spoke to XXXX XXXX who stated he would reach out to his manager to see if my payments could be reinstated. The following day I spoke to XXXX XXXX, and I provided him with a {$100.00} payment. He then said he was 99 % sure he could get his manager to resubmit a promissory note notarized by Sequoia. I explained I wanted to do arrangements, and that I needed to avoid suspension in order to continue driving 2 hours each way to work. Otherwise, I am unable to get to work and will not have funds to pay. He agreed to speak with his manager. I waited two days with no response. I then spoke with his manager XXXX who totally violated the FDCPA. He barely listened said he would speak with his manager who never let me speak with, and told me if I kept explaining my situation he would just say no. He told me he wasnt the one who smashed into a parked door. He proceeded to tell me in a later conversation that he would only accept a {$700.00} settlement and would not work with me to keep my license. He placed me on hold without annoucement. He lied like XXXX XXXX makes the rules on how they handle default, but after speaking with XXXX XXXX they are saying its the collection procedure which govern how the debt is collected. I am being provided false and misleading information, while being belittled. As I stated to them, I called willing to pay but I am being treated with ruthless collections tactics. Also, I asked for contact for escalated complaints and was told the owner at the address ( he did not provide an actual name or address ), the parties dodged actually giving me concrete information to file a complaint with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management Services has continued to give me conflicting stories on why an analysis of my escrow account has increased my monthly payment. Additionally, Rushmore failed to have the proper documentation on file causing my taxes to go delinquent. They stated to me that they had the wrong parcel number causing my taxes to go delinquent. Rushmore failed to notify me of their errors verbally or written and in the meanwhile, I've received dozens of letters from private organizations offering to help me with delinquent taxes. In talking with Rushmore, they are blaming XXXX XXXX XXXX and not taking ownership. After speaking with a lady named XXXX on XX/XX/2018 and not receiving a call as agreed upon on XX/XX/2018 or a letter in the mail, I spoke with a lady named XXXX who informed me my monthly payment was going to go up 41 % based on Rushmore mistakes. This is unacceptable and I should not have to bear the mistakes Rushmore has made. This is totally unacceptable and Rushmore should be held accountable for very, very shady business and ethical practices.

Company response to consumer: Closed with explanation