vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME 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 2017-12-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: CA

Complaint narrative:
I called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.

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 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
A company named XXXX XXXX - In XXXX FL. Would send a colection letter for the last 2-3 years claming that I owed XXXX {$300.00}. I called XXXX and XXXX informed me that not only did I not owe them anything, but that the Account Number DC was using was not in the format that XXXX used for their Accounts. Now Diversefied Consultants has filed a colection notice with XXXX. My credit score went down 30 points! this company needs to not only remove the Collection clame, but pay damages!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02 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: MD

Complaint narrative:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: IL

Complaint narrative:
The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.

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 2017-12-02 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: MD

Complaint narrative:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

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 2017-12-02 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: MD

Complaint narrative:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX Experian and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

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 2017-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX of XXXX, I was first informed in my being a party to a class action law suite against Wells Fargo Home Mortgage for " Inspection Settlement Notice '' ; on the matter of Wells Fargo periodically ordered property inspections and appraisals and charged the fees back to the homeowner without the homeowner knowledge or consent, once the homeowner became 45 days delinquent in mortgage payments. In XXXX of XXXX, I received another notice of my being a party to another Wells Fargo class action law suite for : auto dialing customer without the customer consent or agreement during inappropriate times during the course of a mortgage workout. Being I was involved in two class action law suite against Wells Fargo Home Mortgage, I continued to respond to both claims as documents were sent out to me, providing all required documentations for each claim before the deadline that was noted. 

In the matter of the auto-dialing class action law suite I was compensated as promise. In the matter of Wells Fargo Home Mortgage " Inspection Settlement Notice '', I have had an extremely difficult time getting my account history with the appropriate transactions documented listing all 30 transactions of unauthorized drive-by home inspections and 1 unauthorized appraisal for XXXX XXXX. I started requesting my account history on XXXX XXXX, XXXX ; I received these documents XXXX XXXX, XXXX listing a total of 17 home inspections transactions and no appraisal was listed. Although I continued to address this matter with the Offices of the Bank, Assistant Administrator of Wells Fargo Home Mortgage, I submitted these documents listing 17 unauthorized home inspections on XXXX XXXX, XXXX. 
I address and submitted appropriate documents within the time frame allowed to the listed agency, before any deadline occurred in XXXX and XXXX. Because I had not received a response to my multiple inquiries by the listed agency collecting documentation nor by Wells Fargo Home Mortgage on the status of my claim settlement amount ; on XXXX XXXX, XXXX I begun addressing my concerns with the listed assignies. As of to-date, I have not received any communication response from Wells Fargo Home Mortgage nor from the agency responsible for collecting documents to my many inquiries. The listed agency responsible for collecting documents perusing the " Inspection Settlement Notice '' class action law suite have stop updating the outgoing message with information as to were anyone can be reached for further investigation. I also, have not been compensated in any manor for this class action law suite on any of the 17 unauthorized home inspection incidents charged back to my account without my knowledge or consent to agreement.

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 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried to opened a debit and check account and i received a letter that says they need a soft inquiry of my credit report

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 2017-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I haved contaced Equifax XXXX starting on XXXX XXXX 2017 to present regarding I could not pulled my credit report within my product with Equifax. I was transferred to several people within Equifax trying to resolve this matter with my Equifax Product. I pay XXXX per month for this product and appears since the breach I have not been able to get into my product to get this most out of it. No one has contacted me back regarding this matter at this time. I have removed the security freeze in which Equifax Resolution dept said that was not allowing me to pull my equifax report, but after removing the freeze I still can not get my report from Equifax. I am very tired to calling and being passed to several people that really dont understand what is going on for resolution.I was given these conformation numbers : XXXX, XXXX, XXXX, XXXX and XXXX and still no help with my Equifax product. My contact info is XXXX home or cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. 
I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay card

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 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In XX/XX/XXXX Synchrony Bank checked my credit and issued me a Lowes credit card with a {$300.00} limit. I recently made a small purchase with no issues. Last Thursday XX/XX/XXXX I tried to make another purchase at Lowes and it was declined. After calling the bank they explained to me that they closed my account because of my recent credit history. How is that they issue me a card based on my credit back in XX/XX/XXXX then suddenly close it without my knowledge or consent? I have other accounts with this company and Im afraid they will do it again. Closing accounts negatively affected my fico score.

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 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
It has been brought to my attention that the accounts opened in my name at BBVA Compass in XXXX, Alabama were assessed maintenance and inactivity fees after the balance was brought to XXXX dollars, and subsequently then charged off. It is concerning that a financial institution would assess maintenance and inactivity fees to an inactive account after the balance reached XXXX dollars and then charge off the account, rather than simply closing the account when it reached XXXX dollars. When an account ( s ) does not have activity and the account ( s ) have not been accessed either via online banking, mobile banking, the ATM, nor has the customer contacted the bank, it should not charge fees to account after the balance is XXXX. I would like the bank to reverse the charge off and properly close the account at a XXXX balance, and reverse any negative information reported on me to any outside agency or bureau.

Company response to consumer: Closed with explanation