vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for a VA mortgage through USAA, they sent me a pre approval of XXXX and then followed up with a loan contract and fixed interest rate of 3.5 %. The loan officer then stated that they could no longer offer me the loan and gave me the wrong credit information when I attempted to add my spouse as a co-borrower. They kept describing themselves as a conservative institution and that my business would be better elsewhere. This is after the loan officer stating that they completed XXXX VA loan the previous month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/2019 collections open {$120.00} There is no phone number, address or company for me to reach out to. 
I do not recognize this collection item and want it off please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Union Home Mortgage Corp
State: FL

Complaint narrative:
I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " Union Home '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: TX

Complaint narrative:
I need assistance with obtaining resolution on a late mortgage property tax payment from XXXX. 

My loan servicer was Statebridge mortgage company and my property taxes were escrowed and were supposed to be paid by Statebridge. My loan account showed that the taxes were paid and the money was removed from my loan account in XX/XX/XXXX and paid to XXXX County in XXXX of XXXX. 

I refinanced my mortgage and closed on the refinance in XX/XX/XXXX. In XX/XX/XXXX, I received an escrow refund from Statebridge. On XX/XX/XXXX, I received a letter from an attorney stating that my property taxes were late and that I was assessed fines in excess of {$640.00} for non-payment. 

I contacted Statebridge, in writing, 3 times with a notice of error. After not receiving any response, I began calling Statebridge and all they told me was that my taxes were paid. I finally got them to stop saying that the taxes were paid and then MIRACULOUSLY, they began to say that XXXX county RETURNED my taxes in XXXX and that's why I received an escrow refund. I asked for proof of the return payment and all they would give me is a loan history detail report. 

My new mortgage loan servicer paid the past due balance and late fees and rolled them into my loan payment, causing undue financial hardship on me and my family. 

I am not responsible for the late fees and would like to know if there is any recourse or assistance that you can provide in helping me obtain resolution. 

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating that the property taxes for my home, XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), were delinquent. 

I logged in to the Statebridge Company portal and pulled up the account activity for XX/XX/XXXX through XX/XX/XXXX to see if the property tax funds were dispersed and allocated accordingly. 
The statement showed that on XX/XX/XXXX, there were two Tax Bill Disbursements. One in the amount of {$4400.00} ( XXXX County ) and the other for {$1500.00} ( XXXX County ). 

I then proceeded to log on to both county property tax portals to find that the XXXX County taxes were paid, but the XXXX County taxes did not show a payment. 

I received the letter in the mail on XX/XX/XXXX. I contacted Statebridge Company XX/XX/XXXX at approximately XXXX CST to discuss the discrepancy. The representative advised me that he showed that the property taxes were paid and requested a copy of the delinquency notice. Per his request, attached is a copy of the delinquency notice from the attorney and the XXXX County Delinquent Tax Statement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX cell email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
I've disputes this account several times with the bureaus and with the Federal department of Education as well with their collections agency Coast Professional Inc. They've ignored my request for payment in exchange for the original document of indebtedness in its original form. They have failed to validate the loan, they have sent me letters with balances and not an acceptable form of validation or verification that the loan was indeed mine. I was sent from Coast Professional Inc a wage garnishment notices together with a hearing request which I sent all the form back with all my information and a request to have a phone hearing scheduled and yet AGAIN they have ignored my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
Recent credit report ( paid for by me ) rec 'd from Transunion on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES XXXX are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, 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 explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
This is my 4time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCPA. 
federal Fair Debt Collection Practices Act ( FDCPA ) As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed from my credit report permanently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have had a Wells Fargo credit card for years. I always make automated payments by providing my checking account routing number and account number. Recently I moved my checking account to a new bank. I need to give my new routing number and account number to Wells Fargo so my account will not become delinquent. I tried providing the information on the website but found it to be impossible. I tried sending an email through the website message system and was told i had to call an XXXX number. I tried the XXXX number and was told they can not take this information over the phone. In other words, Wells Fargo makes it impossible for me to make this payment and just wastes my time with runarounds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: MO

Complaint narrative:
I have submitted a dispute with Experian twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my 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 2019-11-07 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: Credit Plus Inc
State: FL

Complaint narrative:
I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " XXXX XXXX '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We opened a petty cash account with our other accounts at Wells Fargo so my wife could buy groceries or make other small purchases without accessing our main checking account which we used to pay for our larger monthly expenses e.g. mortgage, car payments, etc. 

We hadn't used the account in a few months and I noticed we had a small negative balance. When I checked I saw a {$30.00} fee being assessed monthly over the prior three months or so with no other charges. 

When I inquired with the bank on the reason for the fee, they advised it was associated to the type of account being a premier portfolio account. I advised that was an error and we only used the account for petty cash purchases. 

The representative apologized for the error and reversed the maximum of the fees she could access and noted the issue would need to be escalated and addressed by the investigations team, as it extended back over years. She further advised the issue would be resolved in a few days. I waited a week and checked to see if the fees had been returned, but they had not. I called the bank and was advised that no investigator had been assigned to my case but would be assigned soon. I waited another week and again contacted the bank and was again advised no investigator had been assigned, When I asked the representative to speak to a supervisor. I was told that supervisors did not speak to customers. I called the main customer service number and they escalated to the executive office and I was told once again that an investigator would need to review the case, but no time frame could be honestly provided. I was told I could call periodically to obtain status. 

It has been almost a month and a half since I first called the bank and the fees are likely close to a {$1000.00}. It would be very helpful to have them reimbursed before the holidays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/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 explanation
Consumer complaint received 2019-11-07 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is my 4time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCPA. 
federal Fair Debt Collection Practices Act ( FDCPA ) As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed from my credit report permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX - I was charged interest fees ( {$6.00} ), XX/XX/XXXX - I was charged {$5.00}, and again XX/XX/XXXX I was charged {$4.00}. Back in XXXX or XXXX my bank account that I use to make payments on this account was compromised. Someone had called the bank, with ALL of my information, claiming to be on the account. The bank then contacted me to ask if I added anyone on the account, I said no so they closed this account immediately locking all the funds I had. Then, once I went down to the branch I go a new bank account opened with a new account number. I contacted Capital One letting them know why I was unable to make a payment. When speaking with an employee, I received incorrect information regarding interest charges, I had always paid my balance in full, so when she said I only need to make the minimum payment on my account to avoid any fees, including interest. This is when I stopped making the full payment and made only the minimum payment. Now, I called on XX/XX/XXXX because I wanted my account closed and paid in full. The representative did not give me an option to do this and I was charged a late fee of {$25.00} for XXXX. The employee also sent out another card when I requested that I want this account closed forever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 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: Credit Karma, LLC
State: NC

Complaint narrative:
I went to creat an account on Credit Karma and found an existing account using my Social and Name. I did not create this account and the e-mail associated is not mine. It also appears whomever had information has opened three accounts using my personal information. They have done nothing to close account or investigate the account information. I have incurred debt due to the identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
Recent credit report ( paid for by me ) rec 'd from XXXX  on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES , are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
I checked my XXXX  Credit Report and note a hard inquiry on my Credit Report from " Nicholas Finance '', for which I have no knowledge of nor have I contracted with them. Nicholas Finance has not provided any contact or account information so that is verified or validated.This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Last reported to Equifax on XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr ) Original Creditor Name : XXXX XXXX {$200.00} I've never had this account. 

Last reported to Equifax on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr, 10  mos ) Original Creditor Name : XXXX  Balance : {$6800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions I ask for proof of contracts, accounting history, taxes returns showing that I owe this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
Account # XXXX I recently filed a complaint about me not receiving credit toward PSLF due to being in Chapter XXXX bankruptcy. My FedLoan is in bankruptcy status even though my student loans was not included in the filing of the bankruptcy. 

The response I received from my previous complaint stated " Because you previously stated that your Direct Consolidation Loan should not have been included in the bankruptcy process, we are responding to your concerns, in general, until the documentation required to end the status is received. " I provided documentation XX/XX/2019. I uploaded the document in the drop box of FedLoan. I am going to attach it to this complaint as well as a screen shot from the trustee website.

Company response to consumer: Closed with explanation