vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Judgement Recovery, Inc.
State: HI

Complaint narrative:
About 8 years ago I was unfortunately conned into joining an investment group called XXXX XXXX XXXX aka " XXXX XXXX. '' I initially invested {$3000.00} cash into this investment being told there would be a great return on the money. As the account began to grow I became weary that it was a ponzi scam ( which it was ) and decided to pull my initial investment out. I received a check from the group for my earnings which was about the same amount that I had invested. The account continued to grow but I never collected nor was able to withdraw any more money from the account. The website eventually was shut down and apparently a lot of people lost a lot of money. I personally was at about a break even point because I had pulled out my initial investment. A few years went by and I received a 1099 from the group that I had been paid out over {$6000.00} in earnings, not even taking account of the money I had invested. I tried to contact the group but nobody would respond to any emails or phone calls. I ended up meeting with a local IRS agent who basically told me that since I did not have proof I wasn't paid the money then there was nothing they could do about it. This resulted in me paying taxes on over {$6000.00} I never made. 

Fast forward a few years to this month. I received a letter from a collection agency who had apparently taken over this debt ( or purchased it? ) and is now claiming that I had earned a total of {$2300.00} from the group. Not only is this totally false, but it is a completely different amount than I was 1099 'd for! They are also claiming I owe interest on this money as well and that I have 30 days to pay it. I called them and was told they didn't advise me talking to a lawyer because it would cost more than just paying them off. 

I have emailed them multiple times over the past couple of weeks requesting proof that I received these payments not only to show I was not, but also to take to the IRS and hope for a refund that I never made a profit from this. The only emails i receive back are ones showing a spreadsheet of payments I never received. I am desperate for help at this point because they are threatening to take me to collections and damage my credit score for money I was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S ) MUST BE DELETED IMMEDIATLEY!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2019, I made an online payment to Citi Cards for XXXX ( XXXX ) dollars. The money was taken from my account. Citi claimed that they were not able to process the payment and charged my credit card a XXXX ( XXXX ) dollar return check fee and did not credit my account with the payment. 
I contacted them when I realized what had happened and spoke to several people on different occasions. I was told that a three way call could be initiated between myself, Citi and my credit union to verify that the money had been taken from my account. I called on my day off to have that done and was told that it was not necessary because it would be handled but by the next week it had not been. 
I called Citi again and finally was able to get a customer service agent to remove the return check fee but there was not mention of finding the missing XXXX dollars. I received a letter from a Citi office in XXXX   XXXX, SD, requesting that I send my bank account statement to them at that location to verify that the money was withdrawn from my account. 
I am understandably not really wanting to give them my bank account statement but I will to get the XXXX dollars back. I however am going to redact as much personal information as I can. 
I would like to know if they are allowed to ask for this information to settle the issue since I made myself available for a three was call that they could initiate with my credit union.

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 2020-02-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 at approximately XXXX. Wells Fargo attempted to force me to file a complaint when l clearly was not filing a complaint with them but did inform l was filing a complaint with the with CFPB for their out disregard to acknowledge the fact that by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so. 

Supervisor ( XXXX -- -- ) on a recorded was extremely rude by essentially hanging up the phone in my face by cutting off our conversation and forwarding the call to their executive office something I did not request! I disconnected the because l explained that l did not want to speak to any one else but he did it anyway. 

Then at approximately at XXXX l received this email below which was deceptive in nature and was written in such a way to make it appear that l had filed a complaint with which was a lie. 

They tried to forced me to speak top someone in their executive office and then sent this email stating quote, " Dear XXXX, We want to let you know we received the information you shared with XXXX. Your feedback is important to us and we will work with you to research the issue as quickly as possible. 
To help ensure we address your concerns, were researching the credit reporting issue you mentioned. You can expect to hear from your case manager within three business days of your complaint submission. 
Were here to help. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, contact us by phone at XXXX Monday through Friday, XXXX XXXX to XXXX XXXX. Central Time. 
For reference, your case number is XXXX. 
Thank you. We appreciate your business. 
Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' Wells Fargo lied in this email stating that would contact me in 3 business day which they failed to do so.

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 2020-02-10 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. I have contacted the FTC and the Georgia police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Names are inaccurate All those other spellings are inaccurate. XXXX  AND EXPERIAN WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX  AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O 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 explanation
Consumer complaint received 2020-02-10 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: LEXISNEXIS
State: ME

Complaint narrative:
In XX/XX/XXXX I applied for a mortgage loan. Through that process I was informed that a tax lien was listed on my credit report through LexisNexis. The tax lien was not in my name. The representative at LexisNexis even told me it was in another persons name. They told me I had to file a dispute and that I could do it over the phone which I did. I was told it would take 60 days to have this matter resolved. I explained that this error was impacting the mortgage rate I qualified for and needed it resolved sooner. They told me there was no way they could resolve it sooner - even though they could see that the tax lien was not in my name and I had already called the City Clerks office and the IRS and had them confirm that there was no tax lien in my name in their records. LexisNexis said they would expedite my dispute. 

I heard nothing from them so on XX/XX/XXXX I called LexisNexis again. The representative told me that nothing had been done with my dispute but that she would escalate the RE-filed dispute and it would be taken care of as soon as possible. She apologized and told me Id be hearing from them soon. 

On XX/XX/XXXX I received a resolution letter from LexisNexis stating my dispute was verified and the tax lien would be removed from my credit report. 

I have been receiving telemarketing calls from debt-consolidation companies for people who owe the IRS - telling me my name may still have this lien attached to it. Sure enough, I called LexisNexis today ( XX/XX/XXXX ) and found out the lien has not been removed from my credit report. The representative apologized and said she would escalate this to get it resolved. She could not give me an answer as to when it would be taken off and also would not let me speak with anyone above her in the LexisNexis organization. 

This has cost me in time and money as I have no idea how long this has been on my credit report and I have not gotten lower interest rat on short or long-term loans due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AES/PHEAA
State: MI

Complaint narrative:
I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
XXXX  is the only company showing I owe this debt and they would not help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
When I purchased this vehicle on XX/XX/2016 I was told my loan would be for 60 months and that my annual percentage rate would be approx 20 %. The amount I financed is {$12000.00}. They are charging me almost 70 %! of the amount financed as a " finance charge ''. That is a ridiculous amount and I feel I was taken advantage of by this company at that rate. My vehicle is now worth only {$2000.00} and I still owe over {$8000.00} on this loan. XXXX XXXX and Credit Acceptance took advantage of me when I was desperate for a vehicle to continue commuting to work. XXXX XXXX also did not let me see the contract and just clicked through themselves with a digital signature with my name listed. I want answers as to how a company can charge you almost 70 % on a vehicle loan at that time the vehicle being used and 8 years old. This loan should not have been approved knowing that the vehicle wasn't even worth the amount of the sale PLUS the finance charge.

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 2020-02-10 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: NY

Complaint narrative:
In the early XXXX my husband and I consolidated our student loans. We had been married For approximately seven years and we're starting a family. And work told it was in our best interest to consolidate. The remaining parts of our student loans, which we have been paying on. Since the early XXXX. We had only had the XXXX when there have been job layoffs or one income. At the time it was Sallie Mae which turn to navient. In XXXX  My husband was involved in a car accident which left him XXXX XXXX  XXXX. Once The courts deemed my husband XXXX  XXXX our student loans, which had been one for nearly 10 years consolidated were considered with official legal paperwork to be 100 % XXXX balance. For 7 years, we heard nothing. And had the official paperwork that showed both from navient and from the courts that there was a XXXX  balance. 7 years later navient came after me under my maiden name. And told me that I owed double because of Interest the amount that was left on the consolidation. They took a federal student loan turned it into a private loan without my consent put my name on it. XXXX interest and sent it to me. I offered to pay the portion of what I actually owns. They hadn't contact me in 7 years and denied me. My husband and I are working with a XXXX XXXX XXXX XXXX. And since it is a private loan. It can not be turned into New York State education. Navient has acknowledged that. It is a private loan on record. And yet they have now turned it over to New York State education threatening me. XXXX  interest rate on a loan that I don't owe. Which is double what was actually initially owed which was the remainder of a loan that I had paid down significantly with my husband. We absolutely can not find anyone to help us. Navient continues to move my name around without my consent. They refuse to acknowledge that it is paid in full. They change it from a private loan to a school loan back to a private loan to a school loan which is illegal and without consent. This is completely illegal. Is there anyone who can help us? And allow us to be part of any sort of class action or lawsuit.. Navient refuses to stop cooperate. They will not even discuss this with the XXXX XXXX XXXX XXXX company that they are legally obligated to speak to because they have turned it into a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: MI

Complaint narrative:
I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
Experian is the only company showing I owe this debt and they would not help me either.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I was in a car accident and the other person 's insurance was responsible for repairing my vehicle. They offered a total buyout on the vehicle, which I accepted in XXXX. 

I have been trying to replace the vehicle by applying for an auto loan pre-approval through XXXX ( my primary bank ). XXXX uses an automated service to interface with Experian. I have completed steps to submit my information for pre-approval through XXXX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and every single time the pre-approval is declined with an error message reading, " Unable to verify applicant 's identity. '' Surprisingly, each time this happens, these inquiries have also been reflected on my credit score ( even though my identity apparently can not be confirmed ). 

I have spoken with both XXXX and Experian multiple times concerning this issue, with conversations and hold time adding up to multiple hours each time. ( XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Every time I have called one of these companies, I have been told that there is no error on their end and that it must be with the other. I was also told it could be due to my legal name change ( which I brought up ) from more than four years ago, or due to a recent move ( XX/XX/XXXX ). However, I have verified and re-verified every last shred of personal information possible with both organizations and have all addresses listed from the last 7 years of my life and I still can not get pre-approved for an auto loan. I've been without a car for over a month.

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 2020-02-10 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased my first property located in XXXX, New Jersey. This is a 4-unit residential property, with 2 bedrooms in each apartment. The mortgage company is Gateway Mortgage and my account/loan number is XXXX. The purchase price of the property was {$360000.00} plus {$25000.00} for renovations as this loan is an FHA 203k Loan. The total loan amount at closing was {$380000.00}. My monthly mortgage payments are {$3200.00}. The payments started in XX/XX/XXXX and I began to make the payments without any rental income. I anticipated between {$1200.00} to {$1500.00} per unit from three ( 3 ) units and I intended to reside in the fourth unit. 
Since XX/XX/XXXX no renovations have been done on the property. I began making payments in XX/XX/XXXX and made my last payment XX/XX/XXXX. I exhausted approximately {$15000.00} from my savings account to maintain the payments. As of now, my loan account is delinquent and I am facing foreclosure. No renovations have been done because the real and actual cost of the renovations to make the property livable is approximately {$60000.00} to {$100000.00} and not {$25000.00} which was allotted by the mortgage company. I have thus far received estimates from six different contractors who all thoroughly walked through the property and provided an evaluation. They all stated that the property needs, at minimum, {$70000.00} in renovations. 
My complaint is that Gateway Mortgage and the Realtor and the General contractor committed multiple counts of mortgage fraud and violated HUD/FHA guidelines. 
1. The contractor never conducted an actual walk-through prior to closing which was sanctioned by Mr.XXXX. On the contrary, Gateway Mortgage closed on this loan stating that the contractor conducted a walk-through. He only saw the property once, with me, after closing. It was then that he stated that {$25000.00} was not enough to cover the renovations. Gateway Mortgage fraudulently processed my 203k loan because they claimed that this write up was conducted by a contractor and it was not. 
2. I was told by my realtor that a Certified HUD Consultant was required to view the property and submit a separate write up for renovations. After I submitted the HUD Consultant write-up to Gateway ( before closing ), I was told by the loan processor that the HUD Consultants write up was not necessary. I only recently learned that if the renovations do not exceed {$30000.00}, that a HUD Consultant is not needed. Again, the Realtor and Gateway Mortgage violated FHA 203k loan guidelines by purposely keeping the cost of renovations under {$30000.00} to avoid a HUD Consultants involvement and oversight. Gateway Mortgage pushed this loan through in order to maximize that selling price and to minimize that cost of renovations in the paperwork and closing documents.

Company response to consumer: Closed with explanation