vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

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 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX is hard to dealt credit card. I called more than a couple times to help me out to have my interest review since i am a single a father and my payments are only going up and up. I 'd to see if XXXX can be more easy with work with and reduce my interest rate to something that i can afford. 

The debt credit act tell us that every consumer are on their to ask XXXX to have and respect consumer and prohibit predetory lending and credit card ABUSE to consumers. 


XXXX XXXX XXXX/XXXX/XXXX SS : XXXX Card : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/XXXXI found I had an open collection account on my credit report. I sent a dispute through the credit bureau disputing this XXXX XXXX XXXX XXXX that was on it. The amount was for {$1000.00}. 

On XX/XX/XXXX midland responded by sending a letter stating the are uncertain of what I am disputing and to please send more information on what was being disputed. Also one month statement was included. 

On XX/XX/XXXX I mailed a letter to midland requesting a copy of a signed agreement showing I owe XXXX XXXX any amount of money. I also requested some documentation showing that XXXX  purchased the debt from XXXX XXXX. 

On XX/XX/XXXX XXXX sent me another letter showing the same as the first letter they sent showing they are uncertain what I am disputing along with wanting me to send them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.

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 2017-11-23 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: VA

Complaint narrative:
This is a formal complaint after directed harming to my person by this corporate named Experian which is one of The U.S. 3 major credit bureau.Experian in an act of revenge against my person and since I complained about their process of disputing a collection on my personal credit report, Experian put all kinds of computerized blocks ( experts knows what that means, I couldnt find a specific name to that sort of blocking someone while he/she typing in an online form to be submitted electronically ) to prevent me from adding a personal statement to my personal credit reports that showed a collection with XXXX XXXX XXXX as the original creditor. I spent hours to try add the statement after following the Experian website instructions on adding personal statement ( I have plenty of legal PDFs files to proof this waste of my time by Experian and their unethical business behavior ). I finally submitted my request to add a personal statement to my personal credit report by accepting whats shown in the attachements, however there were forced letters added to the name of the original creditor ( instead of XXXX XXXX XXXX, you can see in the attachement that Experian forced that to be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Experian targeting of my person that was demonstrated in that incident and many others that I have right to bring to court when I decide to do so after reviewing Experian detailed response to this complaint and I will not accept scripted or general statement from Experian to just show off that they responded to my complaint. I am expecting a detailed information about the unethical business behavior of Experian. I hope anyone from the U.S regulators who reads this formal complaint against Experian to please stop my sufferance with this credit bureau ( Experian ) that harmed my financials and denied my right to add a personal statement and other harms that regulators can contact me directly and I will provide all the necessary documentations of my claims to them. I hope that someone will stop Experians unethical business behavior that prove this compnany is not a U.S citizen corporate but a destroyer of U.S citizen. I demand my rights to be respected and fulfilled by Experian who denied them as described above. This formal complaint was Signed by me today XX/XX/2017  Respectfully, a U.S Citizen

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 2017-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
COMPLAINT : DOJ v. WFHM : XXXX XXXX loan number XXXX WFHM is Refusing to provide settlement due XXXX XXXX, WFHM is lying in their response to complaint to the CFPB. WFHM is conducting bad faith business as usual. This is no different than the situation when XXXX XXXX called them out in senate hearings. What is it going to take this time? 

I closed on a new loan with Wells Fargo Home Mortgage XX/XX/XXXX. I had problems with WFHM during this time in receiving the correct and fair interest rate in loan origination. 
The Department of Justice found that WFHM had unfairly applied improper interest rates to XXXX  and XXXX. WFHM went to the Department of Justice with a voluntary consent order for a certain time frame which I was within and that has been proven to solve the disparity. Only WFHM purposely left many individuals out. I was one of those individuals.I was on the list in the computer and the settlement company had what was needed but admitted that they used the wrong date given to them by WFHM for my loan origination. 
I have been going round and round with WFHM for years up to and including the last reporting period to correct their mistake. I met all criteria. WFHM still has not met their obligation to me, the DOJ, and the court. 
I spoke with XXXX XXXX with Wells Fargo Home Mortgage Tuesday XX/XX/XXXX in regards to this particular situation. He did not have an answer and he said he did not bother to ask the settlement company or WFHM why I was not eligible for the settlement? XXXX provided CFPB with close to 100 pages of documents to deflect the fact he does not have an answer as to why WELLS FARGO HOME MORTGAGE has not paid the settlement due me. In addition XXXX closed the complaint when we discused him providing additional information to me for which he could not answer without additional research? I asked if he had asked the settlement company why I was not eligible and he said he just did not ask. He then told me he did not talk to the settlement company he sent an e-mail. He then said he did not have a telephone number for the settlement company? I asked for the name of the WFHM superior who gave him this assignment and he said that was propriotory information. WFHM is refusing once again to do the right thing, and are STALLING FOR TIME TO FORECLOSE ON MY PROPERTY. 
I need to know why they are not honoring the COURT consent agreement since I meet all the requirements. They have provided an incorrect answer that this loan was a refinance. This was a brand new loan with WFHM and has never been refinanced, and I have never had any other loan with WFHM. I am 100 % eligible meet all criteria as set out in the court order. What reason or excuse is WFHM not honoring the court order and providing the settlement payout when I am eligible?

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 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. File # XXXX. I received a letter in the mail dated XXXX XXXX, 2017 regarding a balance owed XXXX XXXX XXXX in the amount of {$600.00}. I previously spoke to XXXX on XXXX XXXX, 2017 and advised that I had secured insurance coverage with another carrier prior to XXXX XXXX cancelling my policy. XXXX then advised me to send proof that I had insurance with another carrier. On XX/XX/XXXX, I emailed a copy of my declarations page to : XXXX. They continue to send me bills about paying this debt. I had insurance coverage for the period they are advising I owe. I advised the debt collector that it is illegal to insure one vehicle and property with multiple insurance carriers, but to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.

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 2017-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc.
State: DC

Complaint narrative:
XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was impacted by the Equifax data breach on XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: IN

Complaint narrative:
NORTHSTAR KEEPS CALLING MY FAMILY AT WORK, CELL AND OTHER FAMILY TRYING TO SKIP TRACE DEBT, THIS DEBT IS INVALIDATED DEBT INQUIRIES. 
21 CALLS IN 2 YEARS. 

XXXX XXXX XXXX/XXXX XXXX XXXX sold debts to XXXX XXXX XXXX were they sue for the same debts northstar did.THEY ARE STILL ON MY XXXX. 

VIOLATORS OF THE DODD-FRANK ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I have disputed this before. It was removed from my file and reinserted illegally back in XX/XX/XXXX. I was paying the original creditor and during this process they went out of business and gained new management. I owe this collection agency nothing. I never had a contract through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money. 

Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX. 

When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.

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 2017-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I 've never lived in XXXX XXXX so that address XXXX XXXX is incorrect. I 've stayed in XXXX all of my life. XXXX XXXX does n't serve my area, therefore, the collection is not 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 2017-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a documented 2 closed accounts with capital one that states on all three credit reports that i have viewed, that my acct. with capital One credit card was closed and a charge off. Therefore Capital one has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of Capital One and received a call from XXXX at Capital one Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.

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