vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Received a letter from the collection from XXXX XXXX who work at XXXX XXXX XXXX XXXX. The manager of the apartment already contact him telling that I am no in the contract lease but he didnt answer. I contact him 3 times asking for the name of his boss or manager he didnt give me the name. His answer was he doesnt know anything, he can no do anything instead he try to send me to a customer service when I said no I need the name of your boss he hang up the phone. Thanks to XXXX XXXX my credit score is down and I am in collection for within that I am no owe. I hope you guys can stop this kind of abusive and make this guy fired for be so unprofessional and disrespectful.

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 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. 

The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. 

My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. 

I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. 

But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. 

Very truly yours, XXXX XXXX Loan No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A credit card account with XXXX XXXX XXXX XXXX XXXX continues to be reported with an open balance. 
The account is paid in full and is now closed, however, Experian continues to report the account has an open balance despite my several attempts to have this corrected, Experian has not thoroughly investigated the account and continues to report the account with an unpaid balance and still open.

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I never received notice of debt from the collection agency and was on a payment plan with the hospital to resolve. This is nuisance collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I was never notified of the debt and was on a payment plan with the medical service provider to make sure this got paid on time. This is a nuisance collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 credit bureaus are not investigating my dispute with XXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX5 Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/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 2018-05-23 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: Nelnet, Inc.
State: FL

Complaint narrative:
Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! XXXX, EXPERIAN, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...

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 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/XXXX following two back to back hurricanes I called Wells Fargo to ask if there was assistance such as deferring a monthly payment. I was told yes, they took my information and said I qualified and was approved for a disaster assistance program and that someone would call me within 30 days to explain the details. They said no negative info will be reported because of the protection of the program. I never received a call or letter. I called back before the XX/XX/XXXX bill was due and was told wells Fargo still did not know the specifics and are very backed up please be patient, do not make a payment and someone will call with more details. Toward the end of XX/XX/XXXX a representative called me to say who she was and that Wells Fargo has not decided what to do with all the disaster applicants but will let us know before the end of XX/XX/XXXX. At the end of XX/XX/XXXX I called again and found out my rep no longer worked there and I have not been assigned a new rep. Finally in XX/XX/XXXX I was told I only have two options, pay all three months right now or they will do a full loan modification and re write the mortgage for another 30 years. This was a complete bait and switch. We were not told this was even a possibility and would have found another way had we known. 

I was so angry I started working with another company to do a cash out refi so I could pay off my debts. I worked for 3 months with this other company only to have underwriting deny me at the very end bacause Wells Fargo is in fact reporting me as delinquent to FHA and it shows up on the CAIVERS request. So I lost my refi because Wells Fargo lies. 

I called Wells Fargo several times explain how I was treated and every time they direct me to a customer resolution team. I had to fax a letter explaining the issues and they said they will respond within 30 days. I have not heard back yet. 

I was lied to, misled and forced into a loan modification I dont want. And lied to about no negative reporting that in fact cost me the ability to refi for two years. 

Please help.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours. 

My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay. 

Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!! 

So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way. 

Thank you for your concern, 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
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are not investigating my dispute with XXXXXXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.

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 2018-05-23 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: IL

Complaint narrative:
Despite several written requests to TransUnion that they are reporting inaccurate information on my credit file. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? As of XX/XX/XXXX XXXX TransUnion is reporting my XXXX XXXX account as a credit card account included in a XXXX bankruptcy. This account should be a closed credit card account in good standing. I have never file Bankruptcy. TransUnion is also reporting a collection account from XXXX XXXX XXXX XXXX. This account was deleted from my credit file in XX/XX/XXXX. XXXX XXXX XXXX agreed that they will delete information from my credit files.

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 2018-05-23 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 a loan with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The above law firm representing Midland negotiated a settlement with me on a debt obligation being reported to the three credit bureaus as derogatory/delinquent unpaid. 
I agreed to settle with a payment of {$500.00} in XX/XX/2018 in exchange for Midland removing all derogatory reporting to the credit bureaus and listing the account closed/settled. Instead, the took my payment as a " partial '' and list the account as derogatory with unpaid balance of {$410.00}. 
I am senior XXXX ( SSI ) and had the right to have the entire debt retired under federal law but decided to be responsible and hoped Midland was equally honorable and would adhere to the agreement reached via their legal representative. I am attaching a letter from the legal firm confirming this settlement we agreed to and also have a full thread of e-mails proving how this settlement was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I signed two school loans for my son totaling {$9500.00} with WellsFargo. I have been paying this loan since XX/XX/XXXX, first was paying {$100.00} a month for one year, then since XX/XX/XXXX have been paying {$200.00} a month. Up till now, this loan has a balance of {$7000.00}. 
I have asked Wellsfargo about seven times now to tell me what my rate is and why this loan is not yet repaid. They have verbally agreed but when they send me information, it does not contain the rate. I had been to one of their closest branches and had the bank representative call and speak to loans department and they promised before me and the representatives that they will send me the information required but when they send, it does not contain the rate. all it says, is applied {$28.00} dollars or {$26.00} dollars. One of the representatives once told me that they were not allowed to disclose the rate am paying. 
I think this is another big fraud going on. By my calculation, I should have finished paying this loan long ago. XXXX is on another Fraud and  is trying a cover up. 
Since I cant file a law suit against them, the common man needs consumer protection to demand and protect my right.

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