vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Patenaude & Felix A Professional Corporation
State: CO

Complaint narrative:
Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX. 

XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you. 

Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account. 


XXXX XXXX XXXX, XXXX. 
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a member of XXXX XXXX XXXX in XXXX, TX since XX/XX/XXXX. I have had my CD 's and XXXX accounts with them since that time as well as checking and savings accounts. As of this year, I have been requesting reports from BBVA since my inception of working with them as I feel that money has been taken from my accounts at one time or another. My son has also requested reports from the investment side as well, so that we can follow the paper trail and do research on our own to see if and when my accounts with BBVA have been compromised by someone at the bank. In XX/XX/XXXX, I requested information from one of the agents and was told that she was no longer employed with the bank. We have repeatedly asked for our reports from bank statements, statements on my investments, etc, but they do not respond to my requests. 

They would lure me into internal accounts that benefited BBVA on interest rates and not my own. When my CD 's would mature, they would place the money in an " Internal '' account until they moved it somewhere else. They also tried to convince me to place my money in accounts that did not benefit me at all. We have been asking for all reports that show all transactions on all accounts so that we can cross-reference the trail of money coming in and going out. We have not been able to get these reports from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: IN

Complaint narrative:
Capital Management Services , LP was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XX/XX/XXXX, I entered into a settlement agreement with capital management Services , LP and paid them $ XXXX- the check was cashed on XX/XX/XXXX. 

I am requesting that Capital Management Services, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the three major Credit Bureaus- XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NE

Complaint narrative:
I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.

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 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX and paid them $ XXXX the check was cashed on XXXX/XXXX/XXXX. 

I am requesting that XXXX XXXX XXXX, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the XXXX major Credit Bureaus- XXXX XXXX and 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 2017-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Penny Mac failed to close on a loan modification in time for me to get the HAMP benefit that closed on XX/XX/XXXX which raised my monthly payments significantly. Penny Mac requested pre-approval from the VA for a loan of 3.5 % and a 480 month term and the VA granted an approval for this loan. I spoke with the VA and they will confirm this.

On XX/XX/XXXX a trial modification payment of {$2700.00} at an interest rate of 3.5 % commenced. I made 7 payments from XX/XX/XXXX to XX/XX/XXXX and Penny Mac failed to send me closing loan documents. Now Penny Mac is requesting a loan modification of XXXX with an interest rate of 4.375 %. On top of this new loan they added my ex-wife to the proposed mortgage. She was not on the original mortgage and she recently claimed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I WAS NOT AWARE OF ALL THESE CHARGES THAT WELLS FARGO CHARGED ME I AM TALKING ABOUT 10 CAR LOANS WITH THEM DATING BACK TO 2012. IF YOU PULL UP MY CREDIT REPORTS YOU WILL SEE THE LOANS ALL PAID COMPLETELY. I WAS NOT AWARE OF THE FRAUD THEY CREATED AS WELL. I PAID A LOT OF MONEY ON ALL THOSE CAR LOANS. I PULL XXXX AND XXXX AND ON EACH THERE ARE 10 CAR LOANS PAID IN FULL AND CLOSED. 
I HAVE ATTACHED THE CREDIT REPORTS. AS WELL.

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 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Equitable Acceptance Corp
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone XXXX XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
XXXX XXXX XXXX XXXX Equitableacc XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Am Rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: IN

Complaint narrative:
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

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 2017-10-17 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: GA

Complaint narrative:
This is in response to CFPB Complaint # XXXX dated XX/XX/XXXX wherein Equifax responded that I " did not list any specific items '' in my dispute. IF Equifax looked at my file on their own website, they would see that on XX/XX/XXXX I filed an online dispute which clearly laid out the two addresses I want removed from my file -- XXXX XXXX XXXX, XXXX, MI and XXXX XXXX XXXX, XXXX, GA. These same addresses have been disputed since XX/XX/XXXX as I have NEVER lived at either address and never even visited Michigan in my life. I have received AT LEAST four written confirmations from Equifax that they have been removed ( Confirmation # 's XXXX, XXXX, XXXX, XXXX ) but as you can see on the latest Credit File I received on XX/XX/XXXX, ( Confirmation # XXXX ), they are still on my file! This confirmation has a notation next to each address which says " Reported XX/XX/XXXX. '' I have no idea what this means -- are you saying that a CREDITOR has reported that this is an accurate address for me?? If so, then I have the legal right to know who is reporting this. I have two more online complaints asking that these two addresses be removed and Equifax has sent me two emails confirming that my dispute has been resolved, but I CA N'T ACCESS the Equifax Dispute Portal because Equifax uses incorrect financial data to verify my identity! ( That will be addressed in another complaint. ) Those two Confirmation # 's are XXXX and XXXX. I do not know what the resolution is because I ca n't access the Equifax Dispute Portal, but expect that it is again confirming that Equifax has removed the two bogus addresses from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.

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 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NM

Complaint narrative:
I found out that an account was placed in collection because I received a credit report notification. I did research online and finally found a number for the supposed collection agency. I explained to them that I was never notified of the account being placed in collection and I have never received any type of communication from them. I feel that the charges I was charged were not right. It took several phone calls and messages before they finally provided statements to me. I still do n't agree that the balance owed is accurate but I need this off of my report so I 'm willing to just pay the money owed. This company has been unfair and unresponsive. They continue us to tell me that they have n't violated the law because their system says a letter was sent to me. I would have responded had I ever received the letter. It 's not right.

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 2017-10-17 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: IN

Complaint narrative:
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: IN

Complaint narrative:
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

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 2017-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I advised wells Fargo that i was requesting relief because i live in a federal disaster area. they are refusing to apply said relief to my account. i did not make my XX/XX/XXXX payment due to hurricane Irma. I made myXX/XX/XXXX payment on XX/XX/XXXX and they are refusing to post it to my account. this is what they sent me. 
XXXX XXXX : Thank you for your partial payment toward your mortgage loan account ending in XXXX. 

Since we 're unable to make partial payments to the loan, we 'll hold these funds for you until you make the rest of your payment. At that time, we 'll apply the full amount of the monthly payment to your loan. Your due date will not advance until the full payment is applied. 

You may incur a late charge if we do not receive your full monthly payment by the end of the grace period. Please make the full monthly mortgage payment by the due date on your billing statement. 

Please call XXXX for more information and to pay the remaining balance. Our hours are Monday through Friday, XXXX XXXX to XXXX XXXX, Saturday, XXXX XXXX to XXXX XXXX Central Time. 

please advise them that they are in violation of the federal disaster declaration from XXXX XXXX florida. They are nothing but crooks and belong in prison.

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 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: PA

Complaint narrative:
This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?

Company response to consumer: Closed with explanation