vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i filed a dispute with equifax to remove my unauthorized inquiries, was told contect the creditor. This was credity inquiries i did not authorize and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tax lien is not mine I have disputed this with the other agencies it was all removed would like them to provide me with the name the number and the extension of the person who they talk with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received an alert on my credit report with the XXXX credit bureau XXXX XXXX and XXXX and notice incorrectly information on my correct report. I have contact the original creditor and they do not have my information into their system so this collection needs to be deleted off my credit report ASAP.

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 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was in forebearance and my loans were reported as 90 days late on my credit report for no reason. They were never reported as 30 or 60 days late. I now have negative credit because of the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The aforementioned credit collection agency representing Santander Consumer USA has violated the FCRA by not providing documents to me in regards to this debt. I have no knowledge of this debt and have not received anything that pertains to this debt. This account is unverified and all collection actions need to cease indefinitely. This business is required to disclose to me all of the documents that they have recorded and or retained in their files that pertains to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
XXXX had always charged me XXXX per month then all of the sudden i was charged XXXX. I called my credit card company to dispute the difference of {$23.00} to bring my bill back to XXXX. The credit card company credited me back {$23.00} and they never contacted XXXX as the {$23.00} amount was too low for the bank to pursue XXXX to give them that money back. XXXX was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call XXXX together. XXXX again said i was lying and then they were made aware the bank was on the other line recording the phone call. The bank told XXXX that indeed i had disputed {$23.00} but that they should n't try to come after me because the bank wrote off the {$23.00}. Nonetheless XXXX repedetely threatened me to send me to collections and today i received a collection bill in the amount of {$80.00} after repeditely disputing the debt with XXXX. So basically, XXXX charged my card {$62.00} and i disputed {$23.00}, the bank then wrote off the {$23.00} and somehow XXXX found out and tried to come after me for the full {$62.00} and today i got a collections bill for {$80.00}. I have copies of the credit card statement and my bank has a recorded phone call and yet XXXX continues to try to collect something they are not entitled to and now this collection is on my credit. I filed complains with the BBB and they told the BBB to XXXX. I wan na sue XXXX for fraud and cohersion! furthermore, the original charge was {$62.00} and now they sent me to collections for {$69.00} AND a collection fee of {$11.00}! what is wrong with these crimminals?!

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 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: VT

Complaint narrative:
In XX/XX/XXXX I began XXXX school with a unsubsidized and subsidized loan. I was counting on Public Service Loan Forgiveness via the XX/XX/XXXX College Cost Reduction Act. Shortly after graduating, my loan was sold or transferred from XXXX to Aspire. I was set up on a " level '' payment plan- {$490.00} a month. I called Aspire repeatedly to make sure I was on-track for PSLF. Aspire 's phone staff/loan counselors assured me repeatedly year after year that I was on the right track and I just needed to keep making payments. At one point I had even inquired about income based rates and had been told if I deviated from the level plan I was on, I would lose loan forgiveness. In XX/XX/XXXX, my loan was transferred to XXXX. XXXX informed be that no payments I had made would be eligible for the PSLF, despite what Aspire told me. I called Aspire who tells me they shredded all my docs and everything went to XXXX, other than that they conveniently have no record of me. I am now out 10s of thousands of dollars that never went toward PSLF and I have to start all over again! I have paid approximately $ 40K! Had I been on an income based plan, I would have paid a faction of that before I was paid off. Aspire misled me and is now trying to pass the buck to XXXX. XXXX helped me by being truthful. Aspire misled me and cost me years and money! This is wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? 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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Still no complete explanation to my complaint. 
1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 
2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 
3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.

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 2017-04-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I need to dispute a few trans. I am not aware how to on the website. Please hep me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.

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 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2017 I submitted a police report, identity theft affidavit, proof of address, Identification, and statements, to XXXX XXXX XXXX notifying them they were reporting a account to the credit bureaus that was a result of fraud. 

The account number is XXXX. 

On XX/XX/XXXX and XX/XX/2017 I requested notification of debt because notification was never sent to a valid address. Collection agent XXXX confirmed that the original notice was returned by the post office as an invalid address. Even though the collection agent XXXX and supervisor confirmed that they never sent the notification of debt to a valid address they refused to send it to the address. 

The collection agent XXXX and supervisor said they could not send notice of debt because the item was in dispute yet on XX/XX/2017 they verified the fraudulent debt as valid to XXXX, XXXX, and XXXX even though they placed the item in dispute status for fraud on XX/XX/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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My addresses past and present are incorrect. And please remove the Fraud Alert from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
Vinci Law Firm called me this morning and I only know they 're a debt collector because I called back. In my initial contact with them, they asked for me by my legal name ( which I only use for strictly legal matters ) and when I asked what this was about, they refused to tell me so I said it was me. Then they demanded the last 4 digits of my social security number to `` verify '' it was me. When I tried to get the information anyway, they insisted and when I refused, they hung up on me. 

I called back moments later and demanded to speak to a supervisor. I was put on hold for a minute and then redirected to a voice mail. I told them to stop calling me, I know they have to disclose why they 're calling, and they ca n't verify by asking for my sensitive information like my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ref : CFPB Case XXXX I have alleged fraud in Wells Fargo 's treatment of my mortgage problems in the above captioned case. Wells Fargo appears to be trying to extend their reply to after the sale date of my home. This would result in a sheriff 's sale of my home and the rendering of my appeal alleging fraud moot.

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 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
AMEX has listed I was past 30 days late and I was not all payments were set up on automatic payments. Please remove this false remark

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I mailed several dispute letters pertaining to unauthorized inquiries on my credit report to Equifax by certified mail. The dispute dates and dispute complete dates are as follows : Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for all inquiries each time disputed which was 'inquiries are factual record of file access. I you believe this was unauthorized, please contact the creditor. ' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response in 8, 1, and 4 days respectively, after the receipt of my certified letter, one can assume that there was no investigation conducted pertaining to the matter. I am planning on purchasing a home this year, and with fraudulent information on my credit report such as these inquiries shows financial desperation. I 'm submitting this complaint due to the lack of investigation into my original dispute for inquiries that were not authorized, nor did I sign for.

Company response to consumer: Closed with explanation