vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: PA

Complaint narrative:
Aspen Collection is tr ying to collect maintenance fees in the amount of {$290.00} from o ur ( m y husband and I ) rescinded timeshare contract from  XXXX   XXXX   XXXX   XXXX . Aspen sent us a notice of collection in  XXXX  of  2016 . At that time, our timeshare contract was still in the process of still being cancelled. We disputed the debt with a response letter on  XXXX   XXXX   2016 . Aspen responded to our letter on  XXXX   XXXX     2016  with a copy of our contract. The issue is Aspen has not sent anything else in writing since  XXXX . It took my husband and a little over a year for the cancelled timeshare contract to be processed. From what we know as of  XXXX   2016 , our timeshare contract has been rescinded. We have not received any contact or documentation from the resort since  XXXX   XXXX   2016 . It has caused us much financial distress and something we never wanted to purchase in the first place. We were pressured into buying it through fraudulent practices and false promises by the  XXXX   XXXX . My credit took a hit due to the collection of the maintenance fees being sent to the   XXXX   credit bureau. Howeve r, Aspen has  been calling our house at least once a week over the last month still trying to collect a debt. They have not sent us any documentation since  XXXX   XXXX . It is our impressio n that Aspen is u naware our timeshare contract has been rescinded and is trying to collect on something that no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit bureau is reporting unauthorized inquiries on my consumer 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 2017-06-06 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: TX

Complaint narrative:
On XXXX2017 I received alerts that there were 38 changes to my credit report. All were deletions. And my credit score was 0! I reached out to Equifax and spoke with a representative who stated that was true and he could n't tell me what exactly had happened because he could only see the current information not anything from the past, but my report was wiped clean! I asked to speak with a U.S. representative and after being on old for over an hour she came back to the line stating that my credit file had been " split '' but someone has corrected it and she 'll send me the update by mail! She also stated that she could tell me why or what had happened to cause this. After I ended the call, I went online to Equifax and pulled my report noticing that NUMEROUS accounts had been reinserted to my file along with inquiries! These were accounts that were deleted years prior and the last reporting date reflected that also! I went from having 2 collection accounts to having 5. I went from 4 inquiries to over 20!! I immediately called back in to have this rectified and was told the only way I could was if I had proof that they were not there prior!! As if I would have mailings from 3yrs ago showing the deletions! Due to me pulling my report EVERYDAY because I 'm starting the home buying process, I know for a FACT they were not there. I was offered no help or solution for an issue they caused! I know my rights and I also know that they can not reinsert an account with giving notice. This was n't done by the company it was done by EQUIFAX! The only collection account I should have is XXXX XXXX XXXX! The inquiries that were not there prior are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An auto loan with  XXXX   XXXX  appears on my credit report with the status " charge off '' and a balance of {$0.00} - this is correct, because the car was turned over to  XXXX   XXXX  and they were given possession. A collection agency called  XXXX   XXXX   XXXX  is also reporting a debt to  XXXX   XXXX  with a balance of {$23000.00}. This is not accurate as the account was with  XXXX   XXXX  and the correct balance is {$0.00} due to possession of the car an d ( t he {$23000.00} asset ) having been given to  XXXX   XXXX . I do not have any account with  XXXX   XXXX   XXXX  as my balance with  XXXX   XXXX  is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.

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 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc
State: WA

Complaint narrative:
On  XXXX   XXXX ,  2017  I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On  XXXX   XXXX ,  2017 ,  XXXX   XXXX  from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from   XXXX   credit bureau regarding my dispute and attached a statement balance  and two papers  from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On  XXXX   XXXX ,    2017  I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On  XXXX   XXXX ,  2017  I then receive another letter from  XXXX   XXXX   ( Manager )   at Executive C redit Management dated  XXXX   XXXX ,    2017  that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last  XXXX  numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe.  XXXX   XXXX  mailed me a letter on  XXXX   XXXX ,  2017  with the valid account number from my credit report and when I asked for validation again on  XXXX   XXXX ,  2017  now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person,  XXXX   XXXX   ( manager ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
There  XXXX  accounts on my credit which I never had  XXXX  are car loans  XXXX  fo r Santander and a apartment community in which I never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.

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 2017-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank You

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 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home.
<P/>
XXXX XXXX- XXXX  purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC.
<P/>
XXXX  XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates.
In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house.
Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX  with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale.
Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C.
Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX  Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX.
Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty.
XXXX XXXX XXXX-XXXX  sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX  Recorded Doc # XXXX XXXX on XX/XX/XXXX.
Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I paid  XXXX  directly and by law,  XXXX  recalled the account from Convergent. Convergent has no legal reason to report on my credit report. Convergent must delete.

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 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and i had to collections account from this company CREDIT CONTROL SERVICES Which I Do n't recall oweing i have also been getting phone calls from them they are refusing to send me any documents showing that i am the correct person they need to follow the Law and stop calling my cell phone all the time and send me proof that i owe these debts or delete them off my credit profile partial account #  XXXX ,  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one off er me balance transfer with lower interest and I request a check so I can deposit into my account so I can pay credit card bills. Now capi tal one charged on my capital one account day 1 and I never got check, they refuse to give credit back and interest they charge me for that balance transfer offer which is {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California Law.

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
Our mortgage was opened in  XX/XX/XXXX  with   XXXX   XXXX  . The mortgage was on a property that contained  XXXX  parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in  XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only  XXXX  of the  XXXX  parcels, which has now created delinquent tax bills including interest and penalties. Additionally  XXXX  sold this mortgage to  Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for  XXXX  's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing  4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At  one point, a representative from Bayview even acknowl edged there was an error, however that  XXXX  was ultimately responsible for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
The 2nd lette r indicates date of service as being  X/X/16   . I was NO longer in the hospital at the time. As I indicated on my  XX/XX/16    letter, I had  XXXX   XXXX  but as soon as I no longer had insurance due to some error on their part I was released from the hospital although I was still in a compromising condition I consider this a negligent behavior on part of the medical center.  <P/> This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.  < P/>
Their offices have reported invalidated information to any of the 3 major Credit Bureaus (  XXXX ,  XXXX  or  XXXX  ) this action might constitute fraud under both Federal and State Laws. The state attorney and insurance commissioner I am sure would be happy with the billing practi  ces.

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