vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Repeated phone calls from Portfolio Recovery to my cell phone. I have no outstanding debts that I should be contacted about. I sent a registered cease and desist letter to Portfolio Recovery per their associate that I had a conversation with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

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 2018-03-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

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 2018-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They have not helped in any matter. Agreed to add me on to several deference and forbearance without letting me know how much I would have to pay later and how much interest would be accrued. They are not helpful in guiding us to the right repayment plan and truly laying out how much I would be repaying. In fact, when I did some digging, I checked the site and for an income-based driven program, I would pay {$0.00} for the first 12 months, {$210.00} for the next 12 months and {$2500.00} for the next 10 years. Not for nothing, but that makes no sense. There is probably a reason why the individuals can not share ALL the information and hide this information because then no one would ever be able to pay it back. {$2500.00}??? really? 

I have gotten rude individuals. I have not gotten any step by step guidance just a referral to the website, which is not very user-friendly. 

I have a family to support including XXXX small kids and realistically speaking even if I dont have to pay initially, the plan the website paid out for me is unrealistic to pay. 

In addition, because of interest rates, according to the website, out of the $ XXXX of the original loan, by the time I pay it off, I would have paid {$490000.00}. Almost {$320000.00} more than the original loan, which goes to these criminals. I refuse to pay and they need to educate us more and give us better ways to pay down the loan and more options to pay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I dont have any account with XXXX  store card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: NC

Complaint narrative:
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment. 
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Hi i am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX  but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Supposed to get payment from XXXX XXXX  Western Union since I have been a customer from XX/XX/2011 to now and have received nothing from them, how do I get my refund??? 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX : Applied to have an existing mortgage transferred from my existing bank to another. Credit report was pulled & an entry from XXXX  for {$520.00}. ( in collections ) was shown. I had no knowledge of this " creditor ''. Upon my research I found it was a collection agency that had gone bankrupt. I contacted Mass Attorney Generals Office & they advised the debt was bought from XXXX  by XXXX XXXX XXXX XXXX ( XXXX-XXXXXXXX  ). I contacted XXXX, as I had never been notified from either of these companies regarding any debt. XXXX  stated the debt was from XX/XX/XXXXt0 XX/XX/XXXX when it was closed. I asked what the debt was for & was told they only received 2 billing statement when the debt was turned over to them, which had no info on it except for finance charges. They stated the lender was XXXX XXXX   & had a credit limit of {$300.00} on it. ( Why is it {$520.00} now & what was it for ). XXXX did not know & advised to try myself to investigate more or pay the debt. I am not paying for something that I do not know what it is. XXXX  also stated that alot of the information they received from XXXX had not been accurately reported. I would like this removed from my credit report as my obtaining a transfer of mortgage depends on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery keeps calling about a XXXX account that was closed a long time ago. 
The amount of the supposed debt was erroneous in the first place which is why I never paid nor settled with XXXX. I told this to Portfolio when they first started calling. 
They keep calling even though I have repeatedly told them to stop. 
It is long past the statute of limitations for them to be able to even collect by suing me which they sent me a letter verifying this about 6 months ago. 

Yet they are still calling. On both my cell and home numbers. cell # listed earlier. Home number XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
The apartment complex is calculating charges that are not owed and doesn't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged. XXXX XXXX XXXX   recommend removal because a pet lived in the unit there are no itemized break down of the cost. There were previous pets that lived in the unit before move-in.

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 2018-03-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account on my credit report from XXXX XXXX acct # XXXX that was disputed in XX/XX/2017.. It was removed and about 1 month later it was reinserted without my knowledge.. I called Equifax to see why it was reinserted without my knowledge and that I wanted it deleted because they didnt notify me no later than 5 business days after the reinsertion ... The account was never deleted.. On XX/XX/2017 I sent Equifax a 5 day reinsertion letter and I still didnt get a response.. below you will find an attachment of the letter I sent Equifax..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX Mortgage acct # XXXX Notation WF as 2 separate account references For the same person and same mortgage??? 


This complaint refers to another court whereby Wells Fargo answered Court Documents With false and misleading answers to the UNITED STATES BANKRUPTCY COURT FOR THE SOUTHERN DISTRICT OF FLORIDA XXXX XXXX DIVISION CASE NO : XXXX. doc XXXX filed XX/XX/XXXX on page 1 of 3. 

The response of Wells Fargo RESPONSE TO OBJECTION TO CLAIM No 1-1 ( Creditor ) alleges the following by and through the undersigned counsel : 2. Creditor affirms a timely proof of claim { Claim 1-1 } was filed on XX/XX/XXXX In the total debt amount of {$100000.00} The amount given by Wells Fargo is inaccurate, inflated and deemed to be false and was submitted to the Court of the above jurisdiction involved. 
The Creditors records ( Wells Fargo ) otherwise indicate unpaid payments as of XX/XX/XXXX statement date unpaid payments in the amount of {$38000.00} + unpaid principal Balance of {$46000.00} both amounts equal a total of {$84000.00} The Creditor being Wells Fargo has proven during the currency of time to practice deceptive methods and banking principals that directly affect the customers continually And unjustly, I further certify that all amounts claimed by Wells Fargo include inflated amounts at the benefit of deceiving the account holder and causing tremendous intended Actions that can and will be used against them and should be corrected by the Authorities That govern the standards, rules, laws and protections under the Law of the Land. 

I hereby certify that the above information is true absolute truth does not change but Wells Fargo is correct in being wrong and should restitute and compensate the damages Incurred and occurred against all parties involved including me. 


May Justice be serve accordingly and significantly without further prejudice Sincerely : 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 explanation
Consumer complaint received 2018-03-23 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: Western-Shamrock Corporation
State: SC

Complaint narrative:
I have asked this company numerous times to either report the correct information every month to the credit bureaus or REMOVE THE ACCOUNT. They have not done either. I am trying to get qualified for a mortgage and what they have showing on my credit report is inaccurate. This company have not updated my report since XX/XX/2017 I have attached document to show proof. The company i pay every month is XXXX XXXX XXXX and my guess is Western Shamrock or XXXX XXXX is the parent company .Either way i want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I made my mortgage payment on line to Ocwen. I always make my payments at the end of the month before XXXX XXXX. Ocwen assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/XXXX a little after XXXX XXXX. ( on time ) Upon checking my credit report in XX/XX/XXXX, I noticed that Ocwen reported that I was late on my mortgage payment for XX/XX/XXXX. Ocwen reported that I made the payment on XX/XX/XXXX. I immediately called Ocwen to address the issue in XX/XX/XXXX and the representative looked up the payment information and  admitted that the error was made by Ocwen and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called Ocwen and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/XXXX and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after XXXX XXXX and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow Ocwen to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that Ocwen does not valueme as a loyal customer by putting incorrect and negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I take advantage of XXXX yearly. When I applied for a home loan through USDA in XX/XX/XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XX/XX/XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX   and XXXX were created by Wells Fargo. The two on XXXX   were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XX/XX/XXXX due to a XXXX caused by an automobile accident. I had a student loan with Wells Fargo in XX/XX/XXXX-XX/XX/XXXX. This loan was paid off. The following are the six accounts by Wells Fargo on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}.

Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XX/XX/XXXX, but continue to remain on report. Numbers 1-6 are Wells Fargo accounts falsely created and Numbers 7-8 are 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