vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}

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 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????

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 2018-05-22 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: MO

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX 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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan allows a prepayment of 20 % per year without penalty. In XX/XX/XXXX of this year I contacted the mortgage servicing company, Shellpoint to clarify the exact amount of prepayment within the 20 % margin. The phone rep said she would forward the request and I would get an answer within a week. Several weeks passed with no contact. Then in earlyXX/XX/XXXX I called again and the rep recommended I just make the request on line. So on XX/XX/XXXX I accessed the Shellpoint website and requested the prepayment amount on the loan. A week later someone forwarded me a copy of several pages of the original loan that cover the 20 % prepayment allowance ( attached ) but again no dollar amount was provided. The next day I called again to request a specific dollar amount and again the rep said they would forward the request. Several weeks passed again with no contact. I called again on XX/XX/XXXX and this time I wrote the rep 's name ( XXXX ) who also promised to submit the request. She said I should get the dollar amount within 5-7 days. After no follow up contact I called one final time and spoke to XXXX who said she would pass the concern to her supervisor named XXXX. I have not been contacted since. This is ridiculous and unacceptable. Just asking for 1 simple dollar figure and nothing more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have received and email from Experian on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018.

I have never lived in XXXX  nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

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 2018-05-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. I contracted with a moving company ( XXXX XXXX XXXX  ) for moving services and charged two deposits for the move ( {$930.00} and {$200.00} ).

2. On the day of the move ( XX/XX/XXXX ), the moving company showed up and attempted to DOUBLE the cost of the move without approval, notice, or any agreement on our part. It was an attempt to extort money.

3. I refused to be taken advantage of by the moving company and cancelled the move.

4. I immediately ( that day in front of the moving company ) called Chase and asked Chase to stop payment of the deposit charges was engaging in deceptive and fraudulent practices.

5. We made a separate agreement with a moving company and proceeded forward with the move.

6. Written documentation ( XX/XX/XXXX ) was sent to Chase regarding the disputed charges.

7. Since that time ( over 3 years now ) Chase has continually responded that the charges were valid for two reasons : A. We did not cancel by giving the required 10 day notice.

B. The company provided Chase with a " bill of lading '' for the move 8. A. I do not believe it is reasonable to enforce a 10 day cancelation policy when the company attempted to double our charges on the day of the move. That is not a reasonable expectation or reason Chase should deny our claim to have the charges removed as requested on the day of the move. Chase was properly notified and no services were provided by XXXX.

B. The " bill of lading '' provided to Chase by XXXX was not a " bill of lading, '' it was a pre-move list of items to be moved ... clearly dated XX/XX/XXXX. The move did not occur until XX/XX/XXXX. This has been documented and sent to Chase over and over, yet Chase refuses to credit our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting me.

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 2018-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX  Date : XX/XX/XXXXCompany : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX  Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}

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 non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We have done an ACH wire ( {$30000.00} ) on XX/XX/2018 from XXXX XXXX   to Wells Fargo. Unfortunately, Wells Fargo bank account was incorrect. ( someone hacked the emails of our vendor email server and sent us official notice of bank account changed ) Since ACH was initiated by us, XXXX refused to act as a fraudulent activity and Wells Fargo though confirmed ( by local bank manager ) they see this exact amount sitting in this account, but refusing to release fund back to us ( XXXX ) saying they need some sort of legal complain/ notice to do that. We went to local law and enforcement and file an official complain but after few weeks they found our money transferred from one account to another within Wells Fargo but eventually withdrawn the money by saying Loss Prevention Closing Entry ( screenshot attached ). It seems money is still with Wells Fargo and need your immediate assistance to release these funds back to us ( originator ). I would appreciate your attention to this matter. Thanks 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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: C & M Associates Group, Inc.
State: NV

Complaint narrative:
They Keep harassing me and I own no debt. Please have them stop, and not to share my number with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX  in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.

I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have received and email from XXXX onXX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX   who had me send in a copy of my bank statement and license.

I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.

Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.

I didn't get a response.

I would like to get this toxic loan canceled ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Landmark Mortgage LLC
State: TX

Complaint narrative:
My personal experience that occurred on XX/XX/2018 with our builder ( seller ) which also happens to be the branch manager of a mortgage company were no longer offering FHA loans. When my loan officer was working for landmark mortgage the builder ( seller ) wanted to roll in the closing costs of approximately {$9500.00} into the loan. This was a great idea. However, when i went shopping around for a better rate with other mortgage companies he found out was very upset and told me that if I chose another lender besides his preferred lender, he would not help me pay for my closing costs ( or roll them in ). I have documentation where he stated that he would not honor what he originally had promised us. I spoke with him that he originally was going to assist me by rolling in the closing costs and he agreed. However, he signed amendment he will void the amendment if i decided to go with another lender or mortgage company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is trying to oust me from my home in a foreclosure process, despite the fact that I've prepaid {$200000.00} in principal. Their foreclosure process has continued despite my filing of a complaint.

I should not be subjected to a Sherriff 's sale to cover their outstanding balance of {$150000.00}, when my house is worth {$900000.00}. Check XXXX  for XXXX XXXX XXXX XXXX, NJ.

I'm XXXX  years old and encountering age discrimination in my career.

I've reported this before, but no response has been received.

If I were to get a refund of even apportion of my prepayments, I would still be solvent.

Wells Fargo has engaged in predatory lending business practices against me.

I'm too late for their class action complaint settlement. I'm suffering financial consequences and credit discrimination due to not being able to pay my monthly bill.

I NEED A RESPONSE!!!

I will be filing a federal superior court complaint pro se if this complaint continues to be ignored.

I was their most valued customer having prepaid mortgage, now I'm being treated like 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