vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am a first time homeowner. I purchased my home with Freedom Mortgage back in XX/XX/XXXX. I was on-time with my payments until I got a notice in the mail in XX/XX/XXXX stating that I had an escrow shortage and that my payments would almost double if I did not send a check in for the shortage. My taxes were wrongly assessed, as I did not file for legal residence in my county before XX/XX/XXXX. This put me in the 6 % tax bracket for my home instead of the 4 % that I was originally placed in when purchasing my home. On XX/XX/XXXX, I filed the necessary paperwork to claim legal residence and get my property taxes reassessed. I let Freedom Mortgage know that this was the case and stayed in contact with both them and the tax assessment office. On XX/XX/XXXX, I received paperwork from the tax assessor 's office, which contained my updated/corrected taxes for this year. I sent this to Freedom Mortgage and contacted them regarding this issue. 

I contacted Freedom Mortgage this week to check on the status of my escrow and tax issue. The representative let me know that they have an estimated finish date of XX/XX/XXXX to get my escrow account corrected in order to bring my mortgage payment back to its original amount. Freedom Mortgage will not escalate this ongoing issue unless they do not have it corrected by XX/XX/XXXX. I have not been able to make payments since this all started back in XX/XX/XXXX. This, of course, has been an ongoing issue for almost three months with my mortgage company, which is absolutely astronomical. I will NOT go into foreclosure or file bankruptcy because of a mistake that my mortgage lender refuses to fix in a timely manner.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
I have disputed this debt on several Occasions and the debt collectors XXXX has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are XXXX XXXX and sequim please remove these account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
American Collections Enterprises XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This collection agency called my employer and scared my secretary. I do not know how they obtained my work number. They embarrassed me in front of my cowokers. 

I have never given this organization my number or authorized them to give I have never entered into a contract or have any business relationship. 

They are saying I owe them a debt to which has never been validated. I am demanding them to cease and desist any and all collection activity to include, but not limited to remove any and all negative reporting on my credit and reports and to never to contact my via phone work or personal. 

This debt has never been validated so I dispute any and all claim that I have a debt with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: CA

Complaint narrative:
2 of the 3 Credit Bureaus, including Equifax and XXXX, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
2 of the 3 Credit Bureaus, including XXXX and Experian, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.

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 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: DISCOVER BANK
State: NY

Complaint narrative:
I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
AT the beginning of XXXX I received notification from SearCard that if I did not use my credit card to make a purchase they would be lowing my account limit. Ultimately this will impact my credit score in some manner. On XX/XX/XXXX I contacted the company and explained that I had not used the card because I had purchased a washer and extended warranty in XXXX and had not had any need for another large purchase. I did not see this as my account being inactive but rather just not needed. I was told that I would need to make a purchase, even if it was only {$1.00} to keep my account active because they were protecting me from fraud. I questioned this and stated that I could verify that my account was with me and had not been used, the supervisor I spoke with ( XXXX ID # XXXX ) told me it did not work that way. I explained that telling me that I had to buy something to keep Sears from harming me was blackmail. He stated that I had no way of knowing if it would affect my credit rating unless I contacted a credit rating company and that I should not put words in his mouth (? ). I clarified again that if I did not purchase something with my credit card, Searcard was going to lower my credit, knowing it would impact my credit and they were doing this to " protect me from fraud '' even though I had contacted them to let them know the card was not inactive just not needed. He stated yes, that was the action that would be taken by 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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is currently reporting me to Experian credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my Experian report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/XXXX contacted XXXX was told there was nothing they can do, directed me to call Experian. 

Called Experian put in a dispute saying the debt is a duplicate account. 

XX/XX/XXXX Notified by experian that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call Experian back to dispute again. 

Called Experian back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I submitted a complaint to Diversified Consultants via the CFPB portal last year and received correspondence from them with Ref # XXXX stating that they would remove the collection from my credit report totaling {$2100.00} from XXXX. This collection keeps being deleted and reinserted on my credit report without my knowledge. In the letter, Diversified Consultants stated : " All collection efforts have ceased and XXXX XXXX will receive no further calls from DCI ''. I have attached that correspondence to this complaint once again. What DCI is doing is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: TX

Complaint narrative:
wellsfargo.com official website publicly advertised the bonus of {$200.00} with checking account opening and qualified activities around XX/XX/XXXX. On XX/XX/XXXXI opened the account following the link at wellfargo.com and did all the required activities ( direct deposits ). 
Application Reference number : XXXX I haven't received the bonus after I met all the requirements ( direct depsits ). 

I contacted Wells Fargo and was told that their public offers don't mean to the public, which is absurd interpretation. I typed my zip code on wellsfargo.com and it told me I am eligible for the bonus based on my zip code. They are violating the customer agreement/contract. 

Thank you for looking into this. 

I need my {$200.00}.

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 2018-05-24 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: CA

Complaint narrative:
Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed mine.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reporting wrong address please correct

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
reporting wrong address please correct

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 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I attempted to close my checking account with Wells Fargo in XX/XX/XXXX, in response to their continued terrible actions both to other Wells Fargo customers and in their support of investments like and including Natural Gas pipelines around the country. I paid all fees, XXXX 'd my account, and I was verbally assured that the account was closed. 

In XX/XX/XXXX, I realized that my credit card number had still been being used to charge an XXXX XXXX account. That had put my account below XXXX, and I'd been charged a series of fees. After many hours on the phone with Wells fargo, it became clear that I needed to go into a physical bank branch with cash to deal with this situation, because Wells Fargo was unwilling to transfer money IN to the account since the account was overdrawn. 

After going into a branch ( where they were kind enough to remove some of the overages and fees ) I paid my balance in cash, but they were unable to close the account. This was Monday, XX/XX/XXXX. I was told that they could not close my account at that moment, however, because it was overdrawn, a setting which would " reset '' at midnight that night. I went to close my account on the XX/XX/XXXX, only to find a " pending '' charge that I can't explain, and now ( the XX/XX/XXXX ) there is another charge on my account, it is BACK under XXXX, and I've accrued some more fees. 

I no longer have my ATM card, as I destroyed it when I was told that my account was closed back in XX/XX/XXXX, and getting into a physical wells fargo branch between the hours of XXXX and XXXX continues to be an interesting challenge.

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 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX   XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.

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