vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 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: VA

Complaint narrative:
This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.

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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2018 I obtained and printed a credit report from XXXX  and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.

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 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told I wasn't eligible for any type of loan forgiveness in any manner after having XXXX   in XXXX XXXX and a XXXX XXXX school district for over 25 years. I was offered loan consolidation, which did nothing. I am currently retired and on a fixed income with an upcoming loan payment of over {$1400.00} in XX/XX/2019. This denial occurred approximately 5-6 years ago, after the superintendent of human resources from my school district completed verification of employment, etc., I was denied and told the only program I was eligible for was loan consolidation, which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Manhattan Beach Venture, LLC
State: IL

Complaint narrative:
I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed

Company response to consumer: Untimely response
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC
State: VA

Complaint narrative:
XX/XX/2018 -XXXX  XXXX XXXX , VA {$6.00} XXXX ATM TRANSACTION DOMESTIC FEE {$1.00} XX/XX/2018- XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused. 

Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Draper and Kramer Mortgage Corp.
State: IL

Complaint narrative:
We used Draper & Kramer Mortgage XXXX to originate an FHA home loan. We closed on our home on XX/XX/2017. Our loan was almost instantly sold. The loan was then sold a second time within a year. The 3rd company that had our loan did an escrow analysis. They found we had an escrow shortage of {$5800.00}. I reached out to Draper & Kramer since our contact said he would always be there to help. I was confused how this happened. The shortage was a result of not enough money being collected at closing for our escrow account, not enough money being collected monthly in our payment, and our taxes going up. I understand the tax increase. But I cant understand how the loan originator made a mistake on the closing costs and monthly payment which is now putting my family in a bad financial bind. Their solution was to offer us an interest free loan to make up for their mistake. I do not feel this is fair. I do not feel I should now be indebted to the company that caused our hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2018 I obtained and printed a credit report from XXXX and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I set up a consolidation loan with my personal bank, XXXX XXXX. on XX/XX/2018 XXXX XXXX sent by electronic transfer, my payoff balance of {$1500.00} to Synchrony Bank which was received on XX/XX/2018. According to Synchrony Bank that payment was not applied to my account and i still have a balance with them. XXXX XXXX has sent over a letter stating their records show the payment was sent and received. I believe the payment was received but possibly paid to the wrong account. XXXX XXXX sent over a trace number for Synchrony to locate the payment and apply it to my account however Synchrony Bank states that they can not look up a payment by the trace number and need the routing number the bank used to make the payment. I then spoke with XXXX XXXX again and they stated there was no routing number and that Synchrony should be able to locate the payment using the trace number. 
I am at a point where i can not get any further with either bank in locating my payment and applying it to my account with Synchrony Bank. Any help I can get with locating this payment and applying it to my account would be appreciated. 

Thank you, 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 monetary relief
Consumer complaint received 2018-11-05 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: BTH Management
State: OH

Complaint narrative:
In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount. 
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated. 
Thank You, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2018 Wells Fargo and XXXX XXXX were sent letters of validation via certified mail. The return receipts show Wells Fargo 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. Wells Fargo sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by Wells Fargo they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: DC

Complaint narrative:
I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. 

I've made three calls in the last three business days ; I spoke with XXXX  twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.

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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BELMONT FINANCE LLC
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not owed for Belmont Finance, whom I am also filing a complaint against. In XXXX of XXXX, XXXX XXXX had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of Belmont Finance for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the ACH payments on an item that was not only paid off, but also returned. Not only was the original account with Belmont Finance closed in XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Good afternoon, I would like to know if there is a consumer protection law that protects individuals against wrongful foreclosures? 
Wells Fargo did an auto draft from my account twice a month for eleven years. It turns out that Wells Fargo applied my monthly payments to a wrong account for six months and foreclosed on us. I found out that I was being foreclosed on by a piece of mail sent to me from a lawyer stating how to avoid foreclosure. I looked up my credit report to find out I was in per-foreclosure. My wife contacted them and told them what was happening and the Wells Fargo employee stated that they could see on the computer where our money was going, but they could not pull it out of the wrong account and apply it to the correct account because we were in the process of foreclosure. 
There was no written correspondence or phone calls prior to being evicted. Once the foreclosure took place, we were contacted by Wells Fargo 's appointed lawyer and real estate agent, both stated that they wish they could say this was the first time, but it was not. Do I have any retribution? 
We contacted six lawyers and none of them would take the case. They all said that they did not want to go up against one of the big banks. They also stated that in the Commonwealth of Virginia, the state will side of the lender ninety-nine percent of the time. This is wrong and something needs to be done. 
I feel that this all started when my wife inquired about a loan modification and we were told that we did not qualify. Shortly afterwards, we were contacted again and were told that they made a mistake and that we did qualify. My wife resubmitted paperwork and they did nothing with it. It was approximately six months later, we found out that we were being foreclosed on by a mail advertisement. After research, many others have been foreclosed on when they did loan modifications or inquired about it. This information was found on XXXX XXXX website. 

V/R 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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.

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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: NJ

Complaint narrative:
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. 
As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. 
The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. 
Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit.

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