vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was checking my 401K account that is managed through Wells Fargo. I noticed that I was being charged a service/management fee on the XXXX  XXXX account, even though there was no monies being deposited to this account or through this account from XX/XX/17-XX/XX/XXXX. I called Wells Fargo, and they could not tell me why I was being charged a fee.

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 2017-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by 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 2017-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # 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 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: NC

Complaint narrative:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by 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 2017-08-04 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: Lendmark Financial Services
State: NC

Complaint narrative:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: North State Acceptance, LLC
State: NC

Complaint narrative:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TX

Complaint narrative:
I have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist 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 2017-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I 've contacted XXXX and Experian and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts

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 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
This company does not allow me to make payments, when I call I get hung up on and told my account is locked, or when I submit payments the company does not allow payment, unless the next month is paid in full too, even though for example I am trying to pay, today X/X/17, and they wo n'taccept payment unless I include XX/XX/XXXX payment which is not even due until XX/XX/XXXX. I have no  problem paying what I am behind on, but they are asking me to pay ahead too, which is impossible for us to do at this time. They are intentionally making it difficult to make payments as if they want us to be behind, and keep us in a default status never climbing back out. Today I requested to make a XXXX $ certified funds payment to them to get us paid for XX/XX/XXXX and partial XX/XX/XXXX and I would pay the remaining balance and be caught up for XX/XX/XXXX, and XXXX XXXX, the only person this company has allowed me to speak to on this account who is consistently rude, condenscending, and hangs up the phone on me, said NO payment will be accepted unless I include all of XX/XX/XXXX as well even though according to my paperwork it 's not due until X/XX/2017. All questions I ask as to why they wo n't accept payment they say is because I am a less then one year old loan. I have asked to speak to ANYONE else and they still have XXXX XXXX as the collection person. The level of unprofessionalism, rudeness, and difficulty they make it just to get caught back up is unreasonable and causing us to have to pay extra fees we are trying to avoid. XXXX, XXXX, absolute terrible company targeting middle class families who just want to make their payments and who ca n't afford any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I called JP Morgan Chase on XXXX XXXX, XXXX to report an unauthorized transaction from a merchant ( XXXX XXXX ) on my credit card. The claims agent listened to my claim and said he began to fill out a form to submit to XXXX. The agent asked the last time I spoke with the merchant about the issue and what the merchant said. I asked him why he needed this information and he stated he needed to put a date into the form for the form to be submitted. He said the form states that I, the consumer, needed to contact the merchant and a date needed to be provided. I said I did n't have that info., so he just made up a date for the form. After putting the made up date into the form, the process continued and I was given appropriate provisional credit. 
I am writing this complaint because it is a clear Regulation E violation to require a consumer to contact the merchant before submitting a Reg E claim to the bank. This claims agent was lenient and allowed a date to be made up, but it should not matter. The form should not require a date and the consumer should not be made to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: FL

Complaint narrative:
Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This company purchsed unverified and or fraudulent debt for collection with no valid contract or means of validation which is in violation of FDCPA, FCRA and Consumer protection Laws.

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 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TX

Complaint narrative:
Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Furnishing of un-verified and un-authorized accounts to credit bureaus and/or consumer reporting agen cies.

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 2017-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to Navient 's website and click through the repayment options, their website came back with a estimated payment of roughly {$400.00}, which is doable for me right now. Their website then directed me to the studentloans.gov page to complete the paperwork. When that came back a couple of days later the payment was close to {$700.00}. I called Navient to say that 's not what I agreed too and that 's not what I want. They refused to do anything unless I gave them {$500.00}, I felt like I was being shaken down by the mafia. They have a option I can afford, but are strong-arming {$500.00} out of me to get to the payment their website said it would be.

Company response to consumer: Closed with explanation