vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This account ending in XXXX was paid in full with a letter form XXXX XXXX XXXX XXXX XXXX   stating the account was paid in full. letter attached

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
A representative of Diversified Consultants Inc. called on my personal cell phone number attempting to collect a debt - $ 400+ on behalf of XXXX XXXX. I have never had XXXX XXXX or had any dealings with the company. When I challenged the representative, she responded, " oh, you've got a common name ; this must be another XXXX XXXX ''. It is troubling that the debt collector contacted me with only one piece of matching information - name. I have never lived at the address for the account and, obviously, none of my other personal information would match this other person. I am also bothered that the debt collector reached me on a personal cell phone that is not listed publicly. 

It is my understanding that many of the rights provided by the federal Fair Debt Collection Practices Act are afforded to any person, and not just the person who owes the debt. I have blocked the phone number that Diversified Consultants called from. Is there any other action that can be taken to ensure that I do not receive this type of call going forward?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
XX/XX/XXXX Check XXXX from XXXX XXXX deposited into my wife 's account at Ally Bank via mobile deposit. 

XX/XX/XXXX My wife notices funds have been removed from Ally Bank and calls Ally service number. Representative states we should follow up with check issuer as the funds were removed by request. 

After back and forth with check writer, they state they did not receive the funds from Ally and tell us they do not have the funds. 

XX/XX/XXXX My wife contacts Ally and representative states we may be victim of ID fraud and that a claim has been opened. 

Since that time we have not been able to speak with the Loss Prevention Unit of Ally Bank and they refuse to return our calls.

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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XX/XX/2018, I posted a regular monthly payment for {$910.00} for my bill due XX/XX/2018. I received a receipt from Mr. Cooper indicating they acknowledged it was a regular monthly payment. 

However, they used the money as " additional principal '' instead of as a monthly payment. This seemed like a deliberate tactic to get me to fall behind on my mortgage despite me being a responsible borrower who makes every payment. 

I received no contact from the company addressing what they had done or explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Received my Early Warning Report. Stated that on XX/XX/XXXX I attempted a transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Not sure what the allegations are. I never made any such transactions of any kind that would lead to me compromising my bank account. I identity was compromised in early of part of XXXX. I was once homeless for 20 years and people befriended me. I strongly believe someone stole my identity and opened a bank account in my name. 

Due to these senseless acts i can no longer have a bank account. I currently get a XXXX check which i'm having a hard time receiving due to the fact that i'am in the XXXX XXXX XXXX. I don't have people i trust to have my check deposited into anyone account due to what happen to me in XXXX and XXXX. Someone has been applying for credit in my name. I just ask that help be the bridge in helping me clear my name out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I requested that XXXX XXXX provide me with validation that I owe THEM money. I also requested that they show copies of papers saying that I agreed to pay what they say I owe & I did not receive that information. I did however receive the documents that they claim are debt validation. But I am here to advise that the account summary from your computer database that was sent over does not validate that I owe them any money. I am requesting documents showing that I agreed to do business with THEM ( XXXX XXXX  ) and that the money is owed to XXXX XXXX. Please provide me with a signed contract that shows my signature agreeing to do business with XXXX XXXX. Furthermore according to the XXXX you can not collect on a charged off debt purchased from the original creditor. I want this information removed from my credit report immediately! 

I sent Convergent a certified letter asking for proof of the debt requesting copies of outstanding bills from XXXX, the original collector to which tally up to the amount of {$5300.00}. I would like an explanation and breakdown and most importantly ALL of the outstanding bills from XXXX, which justifies and shows the amount owed. Convergent only provided me with an account summary, which is useless to the information I requested. I have demanded to see how XXXX & Convergent, have calculated the amount owed of {$5300.00}, preferably through outstanding bills. Your company has found this debt to be valid however did not provide me with any justification, bills or unpaid balances reports of the valid or any of the information I requested in the certified letter which was sent and received by Convergent on XX/XX/XXXX. Pleased note again, I need to be provided with the outstanding bills from the original company, XXXX that lead up to the amount of {$5300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a call from Diversified consulatants inc. for a XXXX account claiming that I owe them {$3900.00}. Ive never had a XXXX account. So i began to explain to them I had identity theft with my SSDN, name and address. They told me they would send me a letter with information required for fraud. While on the phone I heard cheering and partying in the background. The guy on the phone instantly muted the phone while telling his crew to be quiet. I knew at that moment it was a scam. 
In XX/XX/XXXX when i learned that my identity was stolen i had my credit report ran by XXXX ( the credit agency that was hacked ) and XXXX  came up as one of the companies they tried to open a account with. We called XXXX and they told us there was no account open. I continued to call XXXX again right after receiving this call and they told me again there is no account. 
its weird too because all of the credit agencies that i have been turned over to because of identity theft have told me that i have to contact the company directly and deal with their fraud company. this is the first collection agency that claims they do it themselves. 
XX/XX/XXXX i receive a letter in the mail asking for all my information SSDN, name and address, police report to make a claim. the letter looks unprofessional and is a copy not a actual printed letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Its been over 15 years come on now, and really dont know anything about this account do not owe them, take me off the credit report its crazy and sick

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When attempting to close on the sale of our home in New York state, it was determined that Bank of America, failed to file a " discharge '' of the lien within the 30 day period allowed by New York State. We were then forced to purchase " title insurance '' for {$1100.00}, plus additional attorney  fees, delaying our final closing for several days. We filed a complaint with New York State Department of Financial Services asking for {$1100.00} + costs to reimburse us the additional monies we had to put forth to close on the sale of our home. Now, Bank of America, is requesting ; The Account Number of the loan ; full name and property address ; full name of the attorney representing us ; the date of expiration of our claim ; and a Statement authorizing Bank of America to contact our attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
1. I have excellent credit.You would never know it with the credit rating I was given which I felt was XXXX. 
2. My ex husbands debt was on my report when it was court ordered to be removed. This was for a co-sign that took place back in 1989. I had no ideal what my ex was using this loan for. The payment on that debt as far as I know is up to date. 
3. Experian left off the fact I had a sufficient debt in my name paid in full for siding with XXXX XXXX. This is part of XXXX XXXX. They did an excellent job.I would recommend them to anyone. 
4. I gave a list of existing businesses that have been paid in full that apparently was not on my credit report.This is included house repairs that were paid in full. 
5. The continual delay in refusing to have my score where is should be at 110 % is causing unnecessary stress, as well as insult to injury. It is also causing a delay in a purchase that should have happened a month ago. 
6. I have never been late on any payment for anything. My family as well as dear friends do not appreciate the continual delays that is seriously causing harm .It feels like credit scores are just another way for folks to be ripped off.

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 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I tried to release co-signer and was constantly given bad info. 
I refinanced my home and paid off the loans and Navient is still refusing to update the credit reports and/or release the co-signer and update his credit report, XXXX XXXX XXXX XXXX. They received the payment on XX/XX/2018 by US Priority Mail. Have cashed the checks and still they refuse to update my report, remove co-signer. They are still billing me and have added XXXX XXXX to the interest and principal. 

I have called, sent letters, attached a letter with the pay off. They said that the Federal Gov't does not allow them to adjust a pay off that they have to wait 30 - 45 days to do so. This is a total lie. 

I want this off of my Co-Signer 's report and I want a pay off letter and my credit reports updated ASAP. This is negatively affecting my credit and they already have their money since last Monday. I should not have to wait 30 - 45 days for them to continue to bill me and refuse to give me a pay-off letter which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CORELOGIC INC
State: GA

Complaint narrative:
This is a old bill like 20 years ago can you please take this off my credit report thank you this is insane

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing is my Mortgage holder. I have been going through tough times financially for the past 6 Months. I own a XXXX XXXX, My business is gaining new accounts again. I have submitted documents to SPS to get help with mortgage assistance ... I feel that my requests have not reached the correct persons in order to Help my family in this serious situation. My Homestead is in Danger of Foreclosure ... I have enough equity to restructure my loan, However I need your Help to get the attention of SPS servicing. My Prayer is to keep my home. Thank you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: ME

Complaint narrative:
A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been dealing with the XXXX credit card, Capital One, for 5 years. They are the only company I pay that refuses to count any over payment made within a billing cycle to the next billing cycle. In the XX/XX/XXXX to XX/XX/XXXX billing cycle. I was due on XX/XX/XXXX for {$210.00}. I use my bill pay system from my bank so I can synchronize my payments with my paychecks. I pay {$130.00} a paycheck to XXXX, every other Wednesday. I paid {$130.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of {$390.00} in one billing cycle, even though I only owed {$210.00}. My next payments were XX/XX/XXXX and then XX/XX/XXXX, both for {$130.00}. However, because they did not count any over payment outside of the previous billing cycle, when my due date of XX/XX/XXXX came up they said I still owed {$86.00} and then charged me a {$35.00} late fee. I called their customer service and they immediately waived the fee, however, they stated it could only be done once a year. I advised them of how I was making payments. They admitted that they understood why the late fee had occurred and stated they could change the due date. I advised them that changing the due date will not solve the issue and I asked them to credit over payments on my account to the next billing cycle. They refused to do so. They advised me the only thing that can be done is changing the due date. Now since my payment of {$130.00} posted XX/XX/XXXX it took care of the {$86.00} left on the cycle, but I'm going to be late again since my payments of {$130.00} will occur on XX/XX/XXXX and XX/XX/XXXX ( 1 day past the due date in XX/XX/XXXX ). It is obvious this policy of keeping all payments within one billing cycle generates a lot of revenue for Capital One, and that is the only reason to have it in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2018 a rep by the name of XXXX XXXX left repeated messages not only on my personal phone but also on the phones of family members who have nothing to do with the debt and have no business knowing of such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: Nelnet, Inc.
State: PA

Complaint narrative:
XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was a victim of the recent TransUnion inquiry issue and was needing to have inquiries moved. I have spoke to a transunion rep on the phone who refused to help me in any sort of way. The inquiries needing to be removed are as follows : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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