vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after  recording my answer with the XXXX County Clerk of Court.  XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter.  They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were  used and if they used my relative address it should have been filed in a different County?

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 2018-11-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Can't XXXX Was Notified that they are not reporting to Equifax four months ago and still not reporting and reporting the wrong payment on account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Back on XX/XX/XXXX XXXX XXXX employee ( wells fargo employee in customer service ) got back to me on all the documents i sent as requested, ) She said this would be forwarded to finance? To get my monthly payment between {$500.00} to {$900.00} dollars but never happened. 
So still under foreclosure so i got XXXX XXXX involved and sent them 33 pages of paperwork ( statements, elec bills etc ) nothing happened and still under foreclosure. 

Then i got a notice about 2-3 weeks ago that my house is up for Auction XX/XX/XXXX! 
So now XXXX is coming back to me ( working with someone from Wells Fargo??? 

I do not that anything is going to be done and i will be on the street, I can not take 5 rooms of furniture and put it in a trailer. I bought this house in XX/XX/XXXX as only 1 stair as i have difficulty with stairs 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 explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent in a previous complaint and you responded to me that Chase was still working on it. I have included a copy of my last statement showing the funds were available. 
Another document I'm sending in shows and proves I paid a late charge on my rent and got an eviction notice because they said I presented a fraudulent check. 

How can it be a fraud check when the funds show its in my account? At least that is what a XXXX in the Executive office said yet the bank wont release the funds after telling me the funds would be available on XX/XX/2018. Today is XX/XX/2018 which has given them 25 days to work on it. They told me they can only be placed on hold to whomever they were calling yet they expect their customers to be on hold for 45-60 consecutive minutes. 

They have caused me all kinds of undue stress. My XXXX money came in On XX/XX/2018 like it was supposed to be but they didnt release it to me until two business days later making my rent late. I have included the proof on that. I didnt however get the letter regarding a dishonored check when they claim the account was restacked not close but look at the attached letter stating dont use checks, cancel all direct deposits and online bill pay. Does that sound like a restricted account? A XXXX at the Branch on XXXX says that its pending closing because of that check. They didnt even give it adequate time to take its course. 

Now I would like to know who within Chase and what address can he or she be served at so that I can sue them in small claims court? Last I heard I can sue for up to {$10000.00} and I am going for the full amount for all the undue stress and not having reasonable expectations as to when everything will be taken care of. So tell me how much more time do I have to wait, its already been 25 days. After all they told me from the beginning its going to be two business days and not weeks. 

They, being chase, told that to XXXX XXXX where my high interest money market account was that I presented Chase with a fraudulent check. 
Next thing I know is that XXXX XXXX called me to tell me they were closing my account because of fraud. They have no proof of fraud on my part. Infact, they still have some of my money, it isnt much but they wont return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: AES/PHEAA
State: FL

Complaint narrative:
I submitted a complaint in XXXX regarding incorrect information being report to credit bureaus by AES. Here is my original complaint : y credit report shows 7 late payments for my student loans with the Loan Servicer AES. 6 of the late payments from XXXX were incorrectly reported as these late payment dates were during times when my account was in forbearance. Therefore, none of these late payments should have been reported to the 3 credit bureaus. I contacted AES on XX/XX/XXXX and the call lasted from XXXX - XXXX ET. A representative provided me with my forbearance time periods. After review of the dates, I realized they were during the same times as the late payments that have been reported. 

Here is part of AES response to the CFPB complaint : Based on this review, corrected information was sent to the consumer reporting agencies to which the information was previously reported for loans one and two for the months of XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a rep from PHEAA Office of Consumer advocacy  on XX/XX/XXXX and he stated request was sent to credit bureaus on XX/XX/XXXX to have the 6 late payments from XXXX removed. Credit bureaus have stated no request was ever sent by AES or PHEAA. 

I need this 6 incorrect late payments removed as they are hindering from moving forward with the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: FL

Complaint narrative:
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

XXXX ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA.

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

Experian ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.

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 2018-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit back in XX/XX/XXXX and I found that I had 5 inquiries that I did not give them permission to check my credit .I contacted Transunion about this 4 times and they refuse to reinvestigate my issue and provide a signed contract. I ask them for the companies below : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3.XXXX XXXX  XX/XX/XXXX 4, XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  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 2018-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
we're in the process of listing our home to sell. A realtor noticed that we have a debt on our deed that is about 24k above the amount initially borrowed from BB & T in 2008. Long story short - it shows that the previous loan was never paid off. BB & T ( current mortgage lender ) says that they can't do anything because the records go back longer than 10 years. XXXX can't do anything because we do not know the loan # or have the cancelled check of when the loan was payed off by BB & T in 2008. Both banks keep batting us back and forth. I started to inquire about this in the middle of XX/XX/2008 with BB & T mortgage and still have not received help other than ( we paid the XXXX loan off when you refinanced with us ). XXXX bank has replied that they can not help because the loan was never payed off by BB & T.

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 2018-11-24 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-24 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account is outdated and appears on my credit report as paid with a XXXX   balance. I recently received paperwork that i owe a mysterious amount of XXXX. I have a court date of XX/XX/XXXX to appear in court. I dont owe this amount and my credit report reflects it. I have requested a validation letter from XXXX and they have failed to respond to me for the amount stated in the court letter. Please remove this account. It is problematic and it is reporting an amount that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ... 

As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24 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: American Student Assistance
State: UT

Complaint narrative:
American Student Assistance @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

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 2018-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Texas Guaranteed
State: TX

Complaint narrative:
Dear Sirs : I have just started a new job with XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My very first pay check starting this new job and I mean the whole paycheck from this work for the month of XX/XX/2018 has been taken and I mean all 100 % of it as a payment to Texas Guaranteed student loan! 

Ive made payments to them in past sizable amount to no avail ore even a dent ever made to the principal. They are an out of touch and carelessly, corrupt and unregulated because their interest rates are not realistic to student abilities to ever catchup and depend on small payments to sustain and prolong the misery to students. 

Also corrupt is the Treasury Dept willingly giving my entire paycheck to the pigs at Texas Guaranteed. The latter literally refers to 100 % without any warning or rule or regulation making it a reasonable percentage portion, but instead all of it was taken. Is there no percentages that limit amounts? How can it be the total earnings? Where is tax payers government when needed if our very Federal Treasury Department is doing this for rich corporations intoxicated by anything goes tactics?

I have bill realities to contend and attend to and one of them is insufficient funds and accumulating charges versus income and an appropriate balance to be kept. One of them is my son going to college himself this spring. 

The whole check of a months worth of work is gone without notice of its being taken or even a 40 % amount would have been impactful, consequential and resonable enough but the whole paycheck? 

Why has the federal government allowed this to be carried out as such? Versus a reasonable and understandable amount? The latter is counterproductive to domestic down to earth income and survival. Why did the federal government take a full income and feed it to a loan corporation in its entirety? Why was I mistreated to a 100 % garnishment? Is it some kind of a backwards lesson to an already vulnerable poor and lower class prejudice that clouds financial realities? Why do the treasury carry this out for a corporation when they could have taken a portion? 

Sincerely, XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstCollect, Inc.
State: DE

Complaint narrative:
In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

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