vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 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: LA

Complaint narrative:
I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I applied to the rate reduction program that XXXX  runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with XXXX. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureau XX/XX/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 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.

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 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE Group shows on all three CRA 's I do not have any knowledge of this company. shows original creditor as XXXX XXXX XXXX and a date of XX/XX/XXXX While I have had service with XXXX & XXXX in the past. I would estimate the last time to be XX/XX/XXXXHave been living in a motorhome last 5-6 years with propane use. 
CBE Group on the California Secratary of States web site shows their status as suspended. Should not be conducting business in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has the mortgage on my home. I have had a diagnosis of an incurable XXXX and all of a sudden have no income except my social security income. The XXXX has filed for a collection on a business loan and it appears on my credit report. Wells Fargo never gives you a reason why they turn you down on a modification, except to say there are discrepancies ; they do not allow you to explain the discrepancies. The first time I had a modification was several years ago, and that was when the investigation into mortgage fraud was uncovered. That was a nightmare, with lies, having to submit documents several times, personnel changing and having to start over. Then the only thing they did was to instead of a pick a payment, added a second lien to my property which didn't accrue interest but it was accruing on the pick a payment. These XXXX  that I talk to at Wells Fargo promise that it will only take about two days ; every time I submitted information they said they didn't get it. 
As of 2015 I was diagnosed with a critical incurable XXXX, which cut off all ability to work. I was able to keep up the payments for quite a while, but gradually fell back, until now I owe {$12000.00} to bring it current. 
I applied a year ago for a modification, and the same thing happened ; no explanations, and finally when they denied it, they said something about discrepancies, which I couldn't figure out. Their contacts don't seem to know, and when I asked, they said they have no information. 
I tried to keep up the payments, but wasn't able to ; I was able to make one payment a month, but it was still behind. All of a sudden, I get a notification on the door of foreclosure and apparently the house is in the bank foreclosure MLS list ; no notification. I can not believe Wells Fargo can continually get by with this ; they treat their customers very badly, lie to everyone, and then refuse to be accountable. I need some help. I don't know if there is a foreclosure date, ( I put NO because I don't know. )

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 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX. 
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time. 
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card. 
I talked to the XXXX store about this problem and they told me to call XXXX service. 
I called XXXX  service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine. 
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about this.

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 2018-04-15 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: OH

Complaint narrative:
Last week on XX/XX/XXXX around XXXX I got a call from unavailable number and so I answered it and a lady asked me name and last of my last digits of my social security number and I asked Who is this? She said some name It could have been fake and I gave the last digits and she gave me a 5 digit number hold on. Then a male got on the phone and re asked my name and that I was going to be served some court papers and he worked For XXXX XXXX XXXX in XXXX NY and he asked for my email address and mailing address. I asked what is this for? He said a XXXX loan for the sum of {$1400.00} and I informed him I spoke to some one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA the week before about the same XXXX loan and they mail me 8 pages of contact information will no amounts from XX/XX/XXXX. I hung up the phone and XXXX the company. I found out that in this company XXXX XXXX XXXX is not accredited with XXXX and out of business with a government action in XXXX XXXX New York State General with district court regarding illegal Nationwide Debt collection scheme and mispresented to consumers that hey owed sums they did not own.

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 2018-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?

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 2018-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Beginning in XX/XX/XXXX, FEMA deemed our property was in the 1 % flood zone. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. Our condo is the ONLY one listed due to the bottom floor closest to the water with a 6+ foot retaining wall. 
( XXXX XXXX XXXX ) which is a 'constant level lake ' since XX/XX/XXXX. In XX/XX/XXXX, our mortgage company, WELLS FARGO, sent a notice for us to fax our condo insurance ( outside ) and our personal contents inside to their company headquarters which we did. The building our condo is in has 5 units and is insured for {$1.00} XXXX. Our contents are insured for approx $ 80K. In XXXX, we were notified that WELLS FARGO was requiring us to insure with XXXX XXXX XXXX a policy for $ XXXX ( which is exactly what we owe on their note in the last 3yrs of our mortgage ) We phoned Wells Fargo and mentioned that this was NOT FLOOD INSURANCE, but MORTGAGE INSURANCE. They told us that if we paid the $ XXXX.policy in full that our {$1000.00} payment would not change for XX/XX/XXXX, which we DID! After paying in full for the policy for XX/XX/XXXX, our payment increased and and ESCROW was set up for XX/XX/XXXX. We have called and protested their actions at least 12 times, only to have been ignored. Our last 2 payments have not only increased substantially ( which we have paid ), but during our last call to Wells Fargo this month, they indicated that on XX/XX/XXXXour complaint would be reviewed. We are submitting this complaint to have your agency to STOP this situation after 6 months of turmoil!

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 2018-04-15 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: FL

Complaint narrative:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from Equifax, XXXX  and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.

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 2018-04-15 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:
In XX/XX/XXXX XXXX XXXX reported to Experian a debt that belongs to a corporation to my personal credit report. I opened a dispute with Experian ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested Experian to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested Experian to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal 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 explanation
Consumer complaint received 2018-04-15 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: FL

Complaint narrative:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the 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 non-monetary relief