vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX CST on XXXX, i am unable to access any of my accounts. I have tried logging in via my app as well as the website, and it displays an error that it is currently down. The bank 's website appears to be having technical issues which is preventing me from accessing any of my funds and conducting my necessary transactions.

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 2019-02-01 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: Tate and Kirlin Assoc
State: GA

Complaint narrative:
About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX confirmed the debt, without validation as this is NOT my debt, I have never had business with Tate and Kirlin Associates. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like Tate and Kirlin purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company  claimed to own ( XXXX XXXX XXXX ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX  confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX XXXX XXXX XXXX. The debt that was deleted was LVNV Funding LLC. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX XXXX XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( LVNV Funding LLC ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Back in XXXX of XXXX USAA closed my checking account. Its XX/XX/XXXX now and I receive a XXXX  debit cancelation of date XX/XX/XXXX for the amount of {$1600.00}. The account is closed done not active no longer have a debit card for the account. Yet usaa excepted retro pay from my VA XXXX compensation and pension claim on XXXX XX/XX/XXXX ( yet the account is closed or they told me it was ). Usaa is now holding my funds and will not release them. Saying I owed money from an account they sent me a XXXX for  debit cancellation on and I filed with my XXXX taxes. Usaa is disrespectful to XXXX veterans. Why would you take money from and struggling XXXX veteran. I left usaa years ago for this very reason they dont care about the consumer. Usaa I want all of my money back and since this is the only way to not wait 45 mins to speak to someone I will write a complaint daily that you yall are committing tax fraud and stealing money from XXXX veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Arvest Bank allow XXXX go into my account and try to debit it {$380.00}, I did not authorization this transaction and I do not have overdraft protection. Now I am receiving notices from the bank indicating I have a negative balance of - {$290.00} and it must to paid by XX/XX/2019 or will be charged-off. I did not believe this is fair, I did not authorization XXXX into my account, I did not even have overdraft protection on this account, and I am not understanding how XXXX charges can be submitted if you don't have overdraft protection, I have not used XXXX for over 1 year and I have tried to make arrangements with them, but you can never get to the correct person to speak with, everyone tells you something different. I want these charges removed from my checking account.

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 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Birthdate which is correct on every other agency and public record changed by Equifax and then asked me to send photocopies of my personal documents to verify my information, due to a mistake on THEIR part

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector. 
Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance. 
I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX. 
I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state. 
I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money. 
I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages. 
I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records. 
I have asked them to stop calling.I have used their website and also called them and the calls keep coming.

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 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have a loan with Lendmark Financial Services. My payment is due on the XXXX. I had to change apartments due to mold & constant violence & then the snow storm hit, which left me flat broke. I inform the lender of my situation and that I could make the payment on the XX/XX/XXXX. Their agent " XXXX '' told me that was unacceptable and they could not take the payment then ( the payment would not have been 30 days late ) ->harassing phone calls and letters started. Then On the XXXX they called me for the payment..?? This is harassment by predatory lender, either you want to work with me or not. I have taken steps in retaining an attorney to mediate the matter, but in the meanwhile I need for the harassing phone calls to cease. According to the law as long as the know where I am at all times, the constant phones and harassment should not be happening. I see why the state of NY sued lendmark. I have been thru enough with this company, they have warn on my peace of mind and faith in fair business practices. I have placed complaints on AND with this company before. In my findings its has been the only way the I and others have received any fair result. The previous complaint I had placed, went well the headquarters/main office were fair and I had no problems this is just on the local level where problems arise. I can no longer afford this loan which I have explained several times, the interest rate of 29 % is taken a toll on me financially especially with last series of events and now mentally. I did not give a closing statement to that complaint b/c I knew i would still be faced with more problems later on. Not just my opinion hundreds of people have & are going thru the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: VA

Complaint narrative:
I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Several attempts in writing were made to Navient to provide original master loan instruments of debt to verify and validate. Documentation was not received in timely manner. Sufficient original promissory documentation listing them or the loan amounts and terms were not received. Navient is reporting duplicate and false info to credit bureau 's severely hurting my financial status with Navient deceptive practices. Navient sent a printed statement. Need quick help. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am a co-signer on a loan that my deceased grandson originated with Sallie Mae and later transferred to Navient. I asked my daughter in law to contact them on my behalf to request a copy of the loan documents, payment history and proof that he opted out of an insurance that would have covered the debt ( according to Navient ) which I have requested in the past and never received. She sent that request XX/XX/2018. We did not receive any further correspondence from Navient until XXXX when the transferred it to collections and filed negative reporting on my credit history. They also said they mailed a letter on XX/XX/2018 stating they had to have authorization to release information to a third party. My daughter in law did not try to obtain anything until XX/XX/XXXX so I don't know why they would send a letter the day before. As of today I still have not received any of the information that has been requested. Up until XXXX I made all monthly payments timely because they told me it was owed although I have been requesting documentation to show how much was owed for how long and now I have started to question everything that has been paid because to date I haven't received any paperwork other than monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( XXXX XXXX XXXX ) not one payment was ever reported. In XX/XX/2018 loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( TransUnion , XXXX, XXXX  ). XXXX sent a written response stating there is nothing they could do about the current situation. My loan with XXXX XXXX is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.

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 2019-02-01 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: OH

Complaint narrative:
These issues are with 2 of the 3 major credit reporting agencies XXXX, and Experian. Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX  removed them from my report. I have had no success with XXXX  and Experian. The collection agency is : XXXX XXXX XXXX XXXX  The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 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 2019-02-01 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: NY

Complaint narrative:
XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.

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 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
In XX/XX/2018 XXXX XXXX  force placed my home owners insurance even though I had insurance in place. They didn't provide the legal amount of notice prior to force placing insurance. The issue was caused because they had in their system the wrong origination date. They also changed my loan number further causing issues when the insurance company sent a binder. This was all resolved after hours of dealing with them on the phone, but my biggest concern is the non-compliance with the legal requirement for a 45 day notice to force place that they didn't follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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 sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XX/XX/XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
loan XXXX  fha XXXX XXXX XXXX I paid trial payments of total {$7500.00} when Ocwen presented the permanent loan mod the terms were too high to and including the interest rate, total payment there's nothing in the trial payments that say Ocwen can keep my trial payments the loan is now transferred to XXXX XXXX wherein I will need to start a new loan mod request which will require a new trial payments

Company response to consumer: Closed with explanation