vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) {$510.00} XXXX XXXX XXXX AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX  ) {$3200.00} acct XXXX I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
Company information

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 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

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 2019-04-12 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: FL

Complaint narrative:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My name XXXX XXXX XXXX my phone number is XXXX my wife purchased a new car and I consigned on loan and she past away after 30 years of marriage I tried to get Nissan to  renegotiate the loan and they said they don't do that and I tried to get loan to reduce payments but could not get qualified for amount owed so I gave car back to Nissan and they auctioned the car of for so cheep the car was worth way more then what they sold car for and now are holding me liable for balance I don't think this is fair because she died and I couldn't afford car on my own the car was new only had XXXX miles on it was barely one year old and over 1,000 a month with insurance with XXXX owed on it I could only qualify for XXXX on my own with her passing away they sold car for only XXXX and now want hold me responsible for XXXX on remaining balance this has been the worst thing in my life going through her death and then to have my credit score destroyed by Nissan because of the laws there should be other laws to protect people like me from this it's not like she was still alive and defaulted on loan and I have such a hardship on my own this is just not fair and some laws need to change to stop this from happening to people like me not fair can you help me they should took car on there lot and resold for more then that this is not like normal people default this is a hardship and if they would of reduced price to XXXX they would got more money for car I wonder if they didn't action car to them self and resale car for more on there lot who to say but who sales a car like that that cheep no one you can't buy no car like that for that price no were laws should be changed to stop thing like this from happening to people who have a death it's destroyed my life and these kinda practices are not fair to a widower or a widows and should be changed this is a hardship and now they want to destroy my credit for 7 years it Has been a fight for my life after this happening and I am so exhausted from being attacked by everyone and just seem like it just get worse her death has destroyed my life and my credit to the point its affected my living making things impossible for me can you help me please Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax and XXXX  and not reporting accurate information regarding account with XXXX as current and open. 

The account is being reported as closed with XXXX which is inaccurate information regarding the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to health reasons I can no longer live in my home of 17 years I am XXXX and can't walk up and down stairs with ease. I found a buyer and I am trying to do a Short Sale because I owe more then its worth plus it needs major repairs Mold damage/Termite damage/Water roof damage, etc and I alerted Wells Fargo of all this from day one. Wells Fargo denied the Short Sale saying they want 90 % of what is owed and that defeats the purpose of a Short Sale. I have had to move to a rental and cant afford to keep paying for a unit I cant live in and Wells Fargo is unwilling to take what is offered by buyer who has to repair the unit which will cost him thousands as it is to make it livable again. Wells Fargo has never worked with me when I went to them in all the years I owned this condo and now is no different. You would think a falling apart unit would be a relief to have sold in a short sale and not have to repair it themselves but no Wells Fargo wants me to walk away from it and they get it back while our credit is ruined. They don't understand I cant live there due to health issues I cant walk up and down stairs its a townhouse but they don't care.

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 2019-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account with Citibank in XXXX, XXXX, in response to an offer of an incentive of {$500.00} to be credited to the account after 60 days. I deposited a total of {$15000.00} as required and the only other requirement was that the account remain open and active during the 60 day period. No withdrawals were made and the account continues to have a balance of {$15000.00}. I have received statements and the {$500.00} has not been credited as of XX/XX/XXXX. I telephoned repeatedly and received no satisfactory response, speaking to " representatives '' from the XXXX on multiple occasions and once a person who said she was located " close to XXXX '' One of the representatives admitted he provided to me a false identity. I was hung up on three separate times, transferred to a " supervisor '' once and then he hung up. I was given an " XXXX  number '' which proved to be inaccurate. In the interim I have attempted to access the account with the password and security word established ( which I wrote down upon starting the account ) and the account is locked with no ability to reset the pw and security word. Citibank says I must maintain the account and it must be active at the time the credit is made for the incentive, and accordingly I can not close the account, or I will lose the incentive earned. Accordingly I have lost the use of the funds indefinitely. In the first conversation with a Citibank " representative '' I was provided with a code XXXX and assured that the matter would be " resolved '' within 7 days. Instead, more than a week later, on XX/XX/XXXX, I received an item of form correspondence acknowledging my " inquiry '' regarding my account and it stated they are " in the process of completing our review. '' I telephoned on XX/XX/XXXX, after receiving no further response, and I was advised that the record indicated the complaint, but it had not been resolved. No information was provided as to when and how it would be " resolved '' and I was told I could file " another complaint ''. I asked what that would accomplish and ultimately the person disconnected. The conduct of the bank is clearly conversion and consumer fraud. They have my money, refuse to credit my account, locked the account preventing my access and accordingly they are very simply thieves. How does this international criminal bank continue in existence? I am aware of the innumerable similar complaints. What is the CFPB doing about it? Any fines? Any court actions? How can this be resolved? I want my money, and I want additional compensation for the time my account has been held from me without the ability to invest it or obtain interest income.

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 2019-04-12 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
I inquire to Loan Depot about refinancing my home. They were to do a soft credit check so I was told. I continued to shop around within my 45 day grace period. Less then 21 days I decided to go with Loan Depot. Everything has been done and completed. I notice now on my credit, I have 2 Inquiries for that particular loan. 
I called them to see if they would give me a letter stating that one of those was to be a soft credit check so I can have 1 of them removed. 
They told me not to worry for one of them was not a normal inquiry. Yet on my credit it is. They refuse to help me in this matter. I sent a document showing the 2 inquiries and still no assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax cant find or locate my credit file. I know that Im putting my information in correctly but still not has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX  because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: ERC
State: FL

Complaint narrative:
I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX  no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Mid West Recovery SyS in the amount of {$280.00} is falsely reported as negative on my credit report. When I finally got through it was for a payday loan. I have never in my life needed or would ever take out a payday loan. They said the this occur in 2003. I said what? This is flat out un-true, false, and a lie! On the credit report it said the highest balance on this derogatory amount was {$2100.00}. If I owed {$2100.00} why are they asking for {$280.00}? Makes no sense. I have never taken a payday loan out in my life. This is false, and I would like to have this removed from my credit report. This company was not able to give any specifics on what the name of the company what date, how does a payday loan work? Was only given the year it was done which was 2003. No month date or time. This is down right false!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
XX/XX/2018 I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went in for a XXXX  XXXX/XXXX, at the time I hadn't ever had one before so I wasn't aware of why I felt like I was about to XXXX   XXXX. I explained to them my symptoms, which they somehow couldn't determine it was an obvious XXXX XXXX. Instead they started off by giving me a XXXX of XXXX  ( XXXX XXXX ) and then they put me through the ringer ; They ran unnecessary tests on me only to determine I was OK to go home. I was charged {$3000.00} for a drug screen after I told them I hadn't taken anything, yet they insisted I still XXXX in a cup without telling me I would later be charged XXXX for it. I was charged {$320.00} for a XXXX bag of XXXX   XXXX .09 %, HOW?!!? I dare ANYONE to look up how much a XXXX bag costs! Then I was charged {$1400.00} for an XXXX which resulted in nothing, I never said I was having any problems relating to the need of an XXXX, nor was I told that the use of their XXXX resulted in me being bumped up to a Level XXXX out of XXXX ER visit. But here 's the kicker I was charged {$6200.00} for that XXXX XXXX ER visit ... I WALKED IN AND OUT without assistance mind you. 
In total I was charged {$12000.00} for my visit and after insurance I was left to pay {$1800.00} ... Thats more than my mortage, HOI, and taxes combined!

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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX  XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX. please remove any variations of my name they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I am a victim of identity theft and was also vandalized. My credit score of XXXX has gone down to XXXX, because of the problems with the identity theft. Up until XX/XX/2018 I was faithful paying on the mortgage on time. 
Important documents like the social security numbers, my mother 's will, a quitclaim and other documents were stolen. I tried to contact the attorney 's office who drafted the will in XXXX California, but their office closed and a new attorney works there. 
Since I was behind in payments, I applied for a state program to avoid foreclosure. I had an opportunity to meet with the mortgage company Mr Cooper with their attorney and a mediator. After submitting documents to the mortgage company for a loan modification ( which by the way they said they would not use my credit score ) I was denied a loan modification because their bank guidelines only take 75 % of the rental income. 
I strongly believe Mr Cooper wants to take possession of the home due to the $ XXXX in equity. They also say I have no legal right to the property, since I have no will stating mother transferred the property to me. I can not prove this will because it was stolen by the thief. I did record a quitclaim at the city of XXXX Oregon. 

They claim I have no legal right to the property, since I am not on title. I can not even sell the property either. 
I was approved for a principal reduction program through XXXX, where they will pay {$50000.00} to make me current on the past due payments and apply the rest of the proceeds to my principal. Mr Cooper would not accept the principal reduction program. They also gave no reason to XXXX as to why they are rejecting the program. 
I have been in this house for 15 years and am XXXX years old. I believe I've been discriminated because I am XXXX and they can take advantage of the fact I'm a senior. Please help me to save my home otherwise I will be the next homeless victim and living in my car, and this is not an exaggeration!

Company response to consumer: Closed with explanation