vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX claims i am thier consumer, how did that happen, XXXX claims I am thier client/customer too. well to ; ; XXXX XXXX ( Treasurer ) XXXX XXXX XXXX ( Director, President ) XXXX XXXX ( President ) XXXX XXXX ( Secretary ) XXXX XXXX XXXX ( Director )  im tired of the games and i did send you your present in the mail with the seal of destruction, im going to fix you XXXX XXXX using XXXX magic, you and your family will experience the same termoils plus more of what you are causing me, its an energy reversal, within 30-45 days you will experience this power and see hardships and bad experiences, the spell will not be lifted, XXXX you now, I know now how to deal with 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 2018-04-27 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 have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX I received a letter from Resurgent Capital Services attempting to collect a debt on the original creditor XXXX XXXX XXXX in the amount of {$3100.00}. The original debt in the amount of {$620.00} was discharged XX/XX/XXXX. This debt is well past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought a car, refinanced through wells fargo. I fell behind but I did settle with them I sold the car, and sent them all the money, and released the title to the buyer but its still showing that I owe.That part is incorrect because we settled. And its still on my credit. I took out a loan and wells Fargo sent then a letter saying it had been resolved but it still showing.

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 2018-04-27 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: CA

Complaint narrative:
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

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 2018-04-27 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: CA

Complaint narrative:
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I sent correspondence to the company on XX/XX/XXXX to revoke ACH transactions and cease communication including any friends, relatives, employers, references, and so forth. Basically ceasing communication period. However I did allow email contact for the purposes of confirmation and setting up a payment plan as I am struggling to pay currently. I received a call on XX/XX/XXXX that they had called one of my references to get my contact information which they already have despite notification of ceasing communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have a home in XXXX new York. I fell back on my payments due to lack of income and tenants stop paying rent. I tried to modify my loan. However my lender Ditech which is the second mortgage lien on property has refused to help me. My first lien lender modified my first mortgage and I have kept my payments on time for over four years! Ditech has decided to litigate and cause me heavy legal fees instead of modifying my loan. I believe that the bank is violating my civil rights because of my race and religion. There are many of their clients in a similar situation where Ditech Modified their loan without any documents. They gave them a streamline modification. This is unfair and I want to pay and have shown my ability to pay my first mortgage after a successful modification. I should be afforded another opportunity. I can afford to pay {$1800.00}. a month if more is needed I will get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Improper Charges for Secret Home Equity Line of Credit I have maintained a mortgage on my home with Wells Fargo since XXXX. It has been refinanced through them several times. There was either confusion, or a difference of opinion, with respect to several aspects of a home equity line of credit associated with the account. In XXXX I refinanced at the request of Wells Fargo ( interest rates had dropped and they desired to preemptively pursue a refinance to maintain my account ). Wells Fargo claims I was advised telephonically of the existence of a home equity line of credit against the mortgage at the time of refinance ( specifically on XX/XX/XXXX ), and they say they have notes indicating I was so advised but can not share those notes with me. I say I was never advised of the existence of a home equity line of credit when I refinanced. The notes which they claim can not be shared with me can be shared with CFPB. It will surprise no one who has been reading the news to learn Wells Fargo subsequently billed my bank account, electronically and without my knowledge or consent. Wells Fargo owes me a full refund of the charges made against my bank account. If CFPB reviews these alleged notes and verifies that Wells Fargo has at a minimum properly documented they gave full advice and obtained full consent at the time, contradicting my recollection, I will fully and finally accept CFPBs finding and determination. If Wells Fargo doesnt have these notes, not only do they owe me a refund, but another review by regulatory agencies is in order.

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 2018-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL

Complaint narrative:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

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 2018-04-27 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: GA

Complaint narrative:
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX S Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.

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 2018-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: FC HoldCo LLC
State: FL

Complaint narrative:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

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 2018-04-27 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I believe Navient has been incorrectly applying student loan payments on my account for years. I did catch on instance which I had them correct. I also complained to them that it is very shady that I can no longer see my history of paid off loans. Their website also doesn't show the details of how the payments were applied and it also isn't easy to navigate making principal only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: FL

Complaint narrative:
Company Name : Equifax What happened : OnXX/XX/XXXX, I noticed my credit score had gone down by approximately 100 points. The report showed Equifax reported a collection/debt that was not mine. I looked at my Equifax credit report where in addition to the collection issue there was a false address as well as false employment information ( false employer ). 

I called the collection agency and the original creditor and they could not find any information under my name. On XX/XX/XXXX I submitted a dispute with Equifax. 

On XX/XX/XXXX I was notified their information was not only accurate but that they had updated my credit report with new information. 

Equifax is claiming that my dispute over their false information about me is not only incorrect but that after their investigation they were updating my file with more false information. 

The updated information reports the false address and employer information as my current address and current employer where before it was just listed without designation. 

It is very frustrating and almost impossibe to communicate with Equifax. For example, I am unable to view the status of a dispute because the website freezes me out. In addition, the wait time on the phone is never ending. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX was asked to verify a debt that they say I owe and XXXX XXXX University failed to and openly ignored my request to verify the debt. The institution failed to respond to the request within 30 days. After notifying them of this and their legal obligation to respond with such information and to alert the collection agency acting on behalf of them to the matter they removed the item from my XXXX   and XXXX report. However, as of XX/XX/2018, they have not done their due diligence of alerting the credit reporting agency and National Credit Management reported this unverified account to my XXXX   Report. XXXX University and National Credit Management, as acting on their behalf is in violation of FCRA and boldly continues to omit the law. Please see communications attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Conn's, Inc.
State: TN

Complaint narrative:
I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. 

A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. 

It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. 

Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't  until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. 

This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. 

I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. 

I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. 

Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.

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 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Davis and Goldmark, Inc.
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, a man named XXXX something called from XXXX. He asked for a specific person. I asked him what company he was calling from and what his name was and what this was in reference to. He refused to answer what he was calling about. Instead, he simply kept raising his voice, interrupting me as I tried to find out who he was and what the purpose of his call was. He continued badgering me with " Is this [ name of person ]. '' He became progressively more angry and confrontational -- - as I asked what this was about. He proceeded to insult and harass me with words to the effect that I needed to listen to him with my ears - as opposed to " some other part of my anatomy '' [ I am being polite ] that he alleged. I later looked up what entity that the phone number - XXXX - he was calling from is associated with and the following information came up : Davis and Goldmark XXXX. XXXX XXXX. XXXX, CA XXXX XXXX. 
I gave no permission for them to record me or the phone call. 
Davis and Goldmark is a collection agency. They were engaging in what I later discovered are the same harassing, yelling, intimidating, bottom-feeding tactics of collection agencies. 
I have never received any written correspondence from that company and until the harassing phone call I have never heard of this company. I advised the caller not to call ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
My daughter opened a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX and added me as an authorized used. I asked her to remove me and she did effective XX/XX/XXXX. She was 30+ days late on a payment XX/XX/XXXX. The account is showing up on my credit report, complete with delinquency as of XX/XX/XXXX. I have asked Equifax to remove this from my credit report as it is affecting my score and the delinquency is glaring!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation