vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Recovery Services, Inc.
State: OR

Complaint narrative:
I settled this with company but it is still on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I went to get a check loan from Check City/XXXX  on XX/XX/XXXX and was declined through XXXX XXXX and outstanding check loans through other check loans sources but as of XX/XX/XXXX XXXX  sent a credit freeze approval confirmation to me and as of XX/XX/XXXX those old check loans mistakenly done on my part were discharged through my bkXXXX ; that are still reporting to the pulic as of this day although I have requested to not have them reported to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This past year I have noticed a unethical approach by Wells Fargo Bank - United States of America when posting transactions. It seems that once my account gets low in funds, all of my transactions take an average of 4-7 days to post, but when the account has plenty of money, the transaction posts same day/ next day. The manipulation and reordering of transactions done by Wells Fargo employees clearly exposes what they are doing. Their goal is to hold transactions as long as possible ( as they will disappear completely from the " pending transaction section '' ) and post them once they can ensure an overdraft fee has occurred. This has happened multiple times throughout the life cycle of my account with Wells Fargo, and I've even let the account go negative to test my theory of how they are XXXX over the American Public. An example of what I'm talking about - On Monday, my account read {$50.00}, I made 3 purchases all for {$10.00} ea. they go into " pending transaction '' - My account reads {$20.00}. On Thursday of the same week, i run into an emergency and have to commit {$25.00} to purchase something, understanding that a {$35.00} fee will be charged because of this transaction that put my account in negative. At this point, the 3 separate transactions for {$10.00} ea. disappear completely, Account reads positive, Wells Fargo posts the larger transaction ( for {$25.00} ) then the next week, tries posting the 3 transactions made earlier in the week to ensure more overdraft fees are charged to the account. Why is this company still allowed to XXXX over customers repeatedly? 
What is the point of the CFPB if it takes a citizen realizing what this shady company has been doing for probably 20 years now. Are you guys getting a kickback from Wells Fargo not to pursue them for unethical and illegal business practices? Why does my tax money go to programs like the CFPB, who don't protect American Citizens, but cost us more money??

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 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I CONTACTED THIS COMPANY TO GIVE MY MEDICADE INFORMATION THEY REFUSED TO RE-BILL. THIS IS EFFECTING MY CREDIT ILLEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
When attending school, the financial aid department applied for a student loan each semester. This has caused me to have 12 separate student loans with XXXX XXXX XXXX XXXX. When I make a payment to Navient, I make one single payment, also when I check my loan balance, I receive one balance. However, I missed one payment in XX/XX/2016 and it shows 12 separate missed payments on my credit report due to the way that the schools financial aid and loan company have set up my student loan. This is now causing me a lot of issues and hardship when trying to purchase a home or even find a rental home. I feel that this way of reporting is unfair. I did not miss 12 separate payments as it appears on my credit report, I missed one single payment. I have contacted Navient and the informed me that " this is just the way that we report to the credit bureaus and there is nothing we can do about it ''. I am seeking assistance getting this resolved. I feel that if I file a dispute, the loan company will just send proof of the 12 separate loans to the crediting company and my dispute will be thrown out. 

Any help will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been working with Navient for 4 months and told them I would pay my remaining 4 month balance off. I just sent them XXXX and not remaining balance is XXXX. They have confirmed agreement and stated I would be ok to pay it off once I received my check at the end of XXXX. 

They lied and sounds like a XXXX issue as they are deceptive and report credit even when they promise they wont. 

What resolution do I want : I have the XXXX to pay them off now! I will pay it as soon as they take the mark off my credit report. 

I am amazed they are allowed to get away with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
CBE group keeps harrasing a family member at the number given. This family member is not the debtor. The debt is for XXXX XXXX / XXXX XXXX TV, and is disputed. The collector at CBE violated the FDCPA and told the third party family member about the debt ( creditor, amount, and my ssn! ) Please investigate this company. CBE group, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX website wwwcbegroup.com They call multiple times per day, one of their fake phone numbers is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have twice requested my account be closed, once through secure bank message, the other via signed letter sent regular mail and my account has still not been closed. In fact, today ( XX/XX/2018 ), I received a bank statement for my account which I have twice requested be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. 

Three attempts have been made to provide that information to XXXX XXXX XXXX   Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX   continues to communicate to the credit bureaus as a delinquent account. 

Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.

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 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This is not a new issue ; I only just realized that there are options to complain and try to obtain justice for the services. I'm in my current situation because the company has been dishonest from the start about repayment options and about the consolidation process. 
As of today, XX/XX/2018, I was re-enrolling in the Rate Reduction Program. I explained my new financial circumstances, including an account of all of my expenses and my income. Their response was to raise the amount I owe, even though I was technically enrolling in a RATE REDUCTION program. It was useless to use logic to explain how it doesn't make sense to request the amount they're asking for, in addition to increasing my payments, based on my income and expenses. At this point, I'm left have a high payment due each month, be unable to make this payment, and have my credit destroyed because they are not willing to negotiate a fair monthly payment. Making partial payments based on what I can afford is not good enough to them. I've consistently made all payments while in the program, so to be denied when I am truly in financial hardship is deplorable. If anyone can actually HELP I would appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX notified me today when I paid my monthly car payment online, that starting next month I will be charged a {$3.00} XXXX XXXX XXXX XXXX Fee unless I enroll in AutoPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018. 

For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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 received a copy of my credit report from XXXX and Trans Union and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to XXXX and Trans Union on four different occasions requesting an investigation for state public record listed to my report. I requested XXXX and Trans Union Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. XXXX  and Trans Union   is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brennan & Clark, Ltd., LLC
State: WV

Complaint narrative:
XXXX XXXX contacted me on XX/XX/2018 reguarding a insurance debt. He impersonated being a attorney and said that things were going to escalate if I did not pay. I demanded a letter in the mail showing proof of the debt and was told no, and to either pay with my check information over the phone or be sued. When i told him that I would only pay via paper check, he started threat inf me and demanding my checking information. He has since called again today and told me if I do not pay that they will sue me. He is not an attorney and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: MI

Complaint narrative:
Transunion will not help me remove inquiries over 7 years or hard inquiries that I didnt authorize and the dates arent even correct. All the companys on my credit report said that Transunion is responsible for removing hard inquiries off my report and they didnt. Ive called them many times and they keep telling me to call the original creditor but in fact the original creditor tells me that Transunion are the ones to remove hard inquiries and credit that is over 7 years. I have 17 inquiries that I didnt authorize. Please contact Transunion to delete all inquiries. Transunion isnt very helpful for people trying to clean up there credit that is fraudulent.

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello this is XXXX XXXX XXXX I'm still alive and crimes against me murder for hire and premeditated life sentence all properties through XXXX XXXX and bank our to be in my name with no restrictions also wells fargo accounts in my name I'm primary from beneficial account from XXXX XXXX mother who had two pages of lawsuits from XXXX XXXX XXXX XXXX XXXX is not primary all court orders and judgements in my favor either is XXXX XXXX primary or delegate or consertiver.XXXX XXXX account is in my name but refuse to give account number.XXXX fund is from XXXX XXXX in my name no ex wifes our entitled to any assets and would like to counter sue all against me for XXXX XXXX dollars for putting my life in danger and keeping my funds not giving back have no joint accounts anywhere XXXX XXXX is XXXX XXXX married to deathrow inmate 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 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE

Complaint narrative:
I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this 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 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
3 inquiries were done by Capital One Auto Finance on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I recently discovered the unrecognizable Inquiries on my credit report and called the number listed on my credit file ( XXXX ). They answered and told me to call XXXX. I called XXXX  and they stated I needed to call them to get a letter of deletion and I told the XXXX rep that I already called and they didnt have the proper information to verify the inquiry. The XXXX rep told me to file a complaint.

Company response to consumer: Closed with explanation