vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX  ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

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 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a bill in the mail from a Commonwealth Finical Systems indicating I ow money for services that occurred in 2013 with a XXXX XXXX Emergency provider. This is not my debt! There was never any services provided by this provider in 2013. After researching I noticed there is another XXXX XXXX XXXX with the same exact birthday that lives XXXX and notice there is no ( R ) at the end. This company started to report this on my credit file and I am in the middle of trying to purchase a home. This is a huge mistake that is costing me and my family our HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: NV

Complaint narrative:
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted Experian, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, Experian has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( XXXX XXXX XXXX XXXX ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to Experian, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. 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 non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017 my mortgage with Wells Fargo, went from {$2200.00} to {$3500.00}. After this payment had adjusted Wells Fargo refused to give me a loan modification, I was still making my monthly payment, but falling further and further behind. Wells Fargo refuse to give me a loan modification. So i was able to work overtime to make the {$3500.00} payment, but i had fallen six months behind.With over {$450000.00} worth of equity, and a very strong job with income it was very obvious that Wells Fargo didn't want to give a loan modification or reconstruct the loan .... very very obvious crooked XXXX bank ... ..

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 2018-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
Lakeview Loan Servicing, by XXXX has been fraudulent with mortgage statements, payments made not being credited. All payments made on time with mortgage but payments rejected. Went to court and judge told them to waive all fees and we paid the amount due and they still applied payments to back fees. They are rejecting my mortgage payments and they continually are seeking foreclosure depsite the fact I have paid my own escrows and have provided them proof, they want me to pay back esrow monies on taxes I have already paid, they only want to take my money and apply to their made up fees.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but Equifax and XXXX  re aged account with severe derogatory status and I have been denied 3 loans recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Norman & Associates, Inc.
State: IN

Complaint narrative:
Norman and Associates, a debt collection agency out of XXXX, GA, on behalf of XXXX XXXX XXXX, has sent a collection notice threatening to collect on a debt that is not applicable. The current balance of the alleged debt is {$1300.00}. At the time of the letter, they asserted that they would litigate against me and that they will enlist the services of a local attorney with the recommendation that a lawsuit be filed immediately. 

They have never attempted to verify the debt, only sent letters threatening to sue in the event that I did not pay a debt that I do not owe, per the records attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two 30-day late mortgage past due payments that were directly caused from Wells Fargo website malfunctioning. I have 3 mortgages with Wells Fargo and pay electronically every month prompted by a monthly alarm I have set on my phone. While trying to pay my XXXX XXXX mortgages electronically an issue occurred when Wells Fargo had changed their website in the XXXX/XXXX  XXXX timeframe. When I logged in and tried to pay, it would act as if it was processing the payment and then a prompt would come up saying " No Internet Connection '' and it did not give me a confirmation. I tried several times logging in and out, but it still gave me this message. I was at work and needed to go to my next meeting so I thought I would try again later from home. Unfortunately, I completely forgot and didn't realize until I went to pay the mortgages the next month. I then immediately paid them in full. This time it would let me pay the 1st mortgage, but when I tried to pay the 2nd one it gave me the " No Internet Connection '' message again. This issue went on until the XX/XX/XXXX timeframe in which I was required to log off and log back on to pay each individual mortgage, often having to log on and off more than once to get it to work per each of the 2nd and 3rd mortgages that I tried to pay. As of XXXX it appears to be working correctly and I have made no changes to the computer that I am using or the networks at work or home. I called Wells Fargo to explain my situation in XX/XX/XXXX and the customer service representative that I spoke with told me that it would not go on my credit report because I had caught it in time. However, I recently applied for a vehicle loan and the lender informed me that I had two 30 day mortgage past due flags from Wells Fargo on my credit report. Other than this issue with the Wells Fargo website I have been rock solid on payments for years usually paying within 1 to 5 days of the beginning of the month. With the aforementioned in mind I had respectfully asked that Wells Fargo remove the 30 day delinquencies from my credit report and after their review they denied my request. I would like assistance to get these 30-day delinquencies removed as they were directly caused by their website malfunctioning. 

3 Wells Fargo Mortgages : XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
( 1 ). What happened?

I have ( 2 ) Collections Accounts reporting on my Transunion Credit File # XXXX, they are : 1-. XXXX : Account # XXXX XX/XX/XXXX This is a Statue of Limitations which is 5 years. DELETE 2- XXXX : Account # XXXX XX/XX/XXXX This is a Medical Bill. I did not give a HEPPA Release of Information Form. This is an illegal collections debt. DELETE I live in another state and I was informed by the company, they're not licensed to collect in NYS.

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 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
{$140.00}. Transaction not authorized and Chase refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The company harassed me by calling me multiple times a day, a lot of times within the same hour, and back to back. I called them numerous times to tell them that i was steadily making payments to get my account caught up. And asked for a payment plan or defer a payment. They would never help me out so that i could get caught up. They then repossessed my vehicle without any warning and charged it off before it was repoed. The payments were always applied to the interest and hardly ever to the principle and the amount i owe is almost as much as the beginning loan amount 5 years ago. After the vehicle was reposessed, i found out that the dealership had charged me {$1500.00} extra for items that were not even on my vehicle. Therefor making my payments higher and my loan amount higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Made payment of {$500.00} to Citibank and its immediately withdrawn. Payment still has not been added to available credit as of XX/XX/XXXX. Citibank tells me they use money laundering laws as an excuse to hold payments for 7 business days. I am told they can do this whenever they feel like .... So a credit card company can take payment and not give it to the customer for close to 2 calendar weeks because they pre-paid early?? 

That's right .. I'm not purchasing I'm paying my card back in advance. So this is the " thanks '' Citibank gives for doing that. They take your money. label you a money launderer and then invest it anywhere they like while you got NO MONEY. 

Citibank it the only bank I know of that does this. WHY? 

Last rep I spoke literally laughed in my face.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: TX

Complaint narrative:
This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I was contacted on XX/XX/2018 by someone claiming to have a claim in his office which is DNF Associates about an old auto loan/ repossession from phone number XXXX which he said I needed to call by XXXX the following Monday are legal action would be taken but when I called the number back it was not a working number. He threatened that if I did not take care of this matter that day legal action would be taken against me I told him I was not sure of this debt he claimed to had and he continued to harass and even laugh at me about the situation. Even informed me that I had a XXXX credit card and that I needed to use that to pay him that he saw it had a nice size available balance that they would accept after he said he found it on my credit report even mocked me for disputing information on my credit report. I explained to him that I had to look over information and finances and I let him know I have never received any information from him are his company. I contacted the original creditor they gave me the name and number of XXXX XXXX at XXXX.She informed me that DNF Associates  was not suppose to contact people that they are suppose to use out side sources to do so. This debt is reporting incorrectly I was never informed by the original creditor that the car was being sold are detailed information about the debt they claim that is left over from the sale of the vehicle.

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 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I get call all the time for a XXXX XXXX, I have told them that the number they have wrong and they are calling a business. I have received these message for years and asked them repeatedly not to call. They are Northwest Collectors @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XX/XX/XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from trusted id. 

I want this removed from my credit report immediately clearly the company does not have proper back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Overzealous and incompetent fraud department targeted a valid charge and was unwilling to take responsibility, leaving card useless. Attempted to charge {$140.00} on a Citi Mastercard on XX/XX/18 and it was declined. The customer service rep was unable to explain their rationale. The card was in good standing ( actually a negative balance ) with no previous problems. The fraud department was unable to help and seemed insistent that I have a second phone number, which is a ridiculous notion. Upon second try, the fraud department again was unable to do anything or to connect me with a supervisor.

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