vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 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 — Other problem getting your report or credit score
Company: Clarity Services
State: AZ

Complaint narrative:
I was tonight alone because my identity can not be verified XXXX XXXX XXXX reported this information. 

I sent a request to find consumer file disclosure too XXXX XXXX XXXX, XX/XX/2018 The representative XXXX XXXX XXXX inform me my Clarity consumer disclosure would be sent in the mail and I would receive it in 5 - 10 business days This was a misrepresentation. What I received in the mail was a response to my consumer request this letter says the " action requested Clarity consumer disclosure. '' It also says the " action taken was Clarity consumer disclosure. '' Furthermore, it reads " we provided you with your Clarity consumer disclosure and or credit score '' this is a false representation because in this mail piece I did NOT receive my consumer disclosure I received a dispute form and then a contradicting letter telling me additional information is needed. 
Thus I will be seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Manhattan Beach Venture, LLC
State: ID

Complaint narrative:
TO : Department of Education RE : 2nd Round Dispute XXXX Grants XXXX XXXX Date : XX/XX/XXXX After raising XXXX kids, working in the XXXX  and XXXX XXXX, I decided to work on my goal of getting a college degree. I pursued a degree in XXXX and currently work as a XXXX in a XXXX XXXX in Idaho. I financed my education through XXXX grants and student loans. In XX/XX/XXXX, I received {$3500.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In total I received {$7500.00} in XXXX grants. I graduated   from XXXX XXXXXXXX University on XX/XX/XXXX. 
To receive the grants, I participated in the XXXX XXXX XXXX. I read and signed the service obligation agreement. Part 2 of the service obligation states that, I must confirm to my XXXX grant servicer in writing within 120 days after I have completed or otherwise ceased to be enrolled in a program for which I received a XXXX grant that 1. I am employed as a full time XXXX in accordance with the terms and conditions. 
2. I am not yet employed as a full time XXXX, but I intend to meet the terms and conditions of my service obligation as described above in item 1 of this section.

Also, every year requires an annual certification form signed by the school administrator. 
My official graduation date was XX/XX/XXXX. The date to certify should have been XX/XX/XXXX ( 120 days after graduation ). However, somehow the certification date was changed to XX/XX/XXXX. Also, the annual certification date should have been XX/XX/XXXX. On XXXX XXXX XXXX, my XXXX  grants were converted to loans. I questioned this conversion, the timing of it, and wrote a 1st round dispute requesting the newly converted loans be returned to XXXX grants. This request was denied. 
I am requesting a second time that the {$7500.00} in XXXX grants plus interest that was converted to loans be returned to the XXXX  grant status.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-20 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: SC

Complaint narrative:
XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: NV

Complaint narrative:
In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX  concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from 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 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
This debt has already been paid via my federal tax returns being garnished for the past 15 years, as well as my paychecks being garnished. The initial debt was {$3000.00} for XXXX XXXX training. I am now XXXX years old and retired and this needs to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX 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 2018-10-20 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: FL

Complaint narrative:
Received phone calls last week on persons trying to open accounts under my name with XXXX and XXXX.realized only today an account was opened with XXXX XXXXXXXX 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 2018-10-20 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Received phone calls last week on persons trying to open accounts under my name with XXXXt and XXXX.realized only today an account was opened with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Also by XXXX XXXX on XX/XX/XXXX. I do not recognize these inquiries and it should have been removed from my Equifax consumer report. I contacted the inquirers but they have failed to remove the inquiry from my consumer file yet. I also contacted Equifax regarding these inquiries and they have not removed them yet as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am attempting to get my credit fixed and have contacted the three credit reporting agencies about two accounts that do not appear to be legitimate. I just received the results back today from XXXX stating that the two collection accounts are accurate. 

When I explained that they could not be accurate because of the dates both accounts were opened, the XXXX contact told me the company, XXXX XXXX, assured them in a certified response. 

When I asked for a copy since it was obvious XXXX wasn't going to actually make XXXX XXXX prove I opened an account with them, the XXXX contact told me XXXX XXXX is not required to give them any proof of the account! 

I asked to speak to a supervisor at XXXX, but after a long hold, I was told there were no supervisors available and they would have to call me back ; that was several hours ago and no call as yet! 

It does not appear that disputing an account on your credit report does any more than cause the CRA to contact the company and asking them if the account is valid and if they say it is, XXXX   takes their word for it. 

I want proof that this company has something to show that I owe them money. I don't ever remember dealing with a XXXX XXXX. AND I KNOW FOR SURE, I HAVE NOT TAKEN AN ACCOUNT OUT WITH THEM OR ANY ONE ELSE IN XX/XX/XXXX OR XX/XX/XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 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: FL

Complaint narrative:
The inquiry was made by XXXX XXXX XXXX on XX/XX/2018. I do not recognize this inquiry and it should have been removed from my TransUnion consumer report. I contacted the inquirer but they have not remove the inquiry from my consumer file yet. I also contacted TransUnion about it and has not yet remove the inquiry. I contacted them months ago.

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 2018-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Its hard to believe that after 19 long months fighting these masters of technicality, they are still causing me problems. You have on file some of the problems I presented many months ago but they never quit! They are corrupt and I have proof! Even to the point of the final signing with my ex-spouse, they fought. Signatures on XX/XX/2018 were initially rejected, after they were rejected a week before and forced us back before a notary. Yet, when I called no one could spot anything wrong with the signatures!! They insulted the integrity of the bank notary, myself and my former spouse. A XXXX, in their Ombudsman dept. did ask for a " Why '' on the second notary signing and it was overturned. One person in 19 months that actually helped me, ONE. Now, after all this, Ocwen received my XX/XX/XXXX payment on XX/XX/2018 and that's when they actually accepted the signatures. That's right! I was told by including XXXX my payment history would not be updated until the first week of XX/XX/XXXX. Lies. Now they tell me they are not going to update my payment history until the end of XX/XX/XXXX.!!!! Its a shame. Its hurting me, really bad. The new reduced payment amount of the mortgage is showing at the credit bureau, that is {$1100.00} but I am still showing 120 days PAST DUE!!!! IT isn't fair. They are constantly on a witch hunt, a fishing expedition and change the rules just anytime, whenever, wherever .I cant begin to express the humiliation, daily pressure, the ungodly days and nights I've spent with this, and again, had I known just how wicked they were, and that they were facing a cease and desist order I would not have fell into their mod trap. I expect them to correct my payment history at the credit bureau immediately to show current and paid to XX/XX/2018 Ocwen also needs to immediately stop sending my former spouse 's mail to my address. They apologized for this a year ago but started right back months later. She was patient and cooperative during the signing process and I am thankful and wish her sincere blessings. I am paid to XX/XX/2018!! 
Thank you CFPB XXXX XXXX XXXX XXXX XXXX. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I lost my XXXX XXXX credit card & I have contacted the credit card company. When I called them to report that credit card is lost figured out that there is a purchase of {$850.00} on my card for a Camera. I filed a dispute & they sent me a new card with a new number then in XX/XX/XXXX found a letter from credit card company say that dispute was declined & they will charge me the amount of the Camera. When Contacted them again in the beginning had a very rude representative who refused to help me & hanged up the phone & when I called again another agent was so helpful and opened another dispute claim then now in XX/XX/XXXX they delcined the dispute again sending me in mail that I have to pay this amount without even showing any evidence why the declined the dispute.

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 2018-10-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
In either XX/XX/XXXX or XX/XX/2015 My now former neighbors XXXX and XXXX XXXX approached me to ask me to co-sign for them on a loan to finance a Jeep Liberty suv. 
XXXX was about to finish school as a veterinary technician student and had some promising prospects for employment after graduation and he gave me his word that he would not fail to make the payments on the vehicle if I went forward with co-signing for him. 
In XX/XX/2015 I had some trouble with my suburban and needed to borrow the Jeep to go to the office and get my paycheck. When I asked to borrow it, XXXX said that there was no insurance on it at the moment and the registration was lapsed because he and XXXX had failed to maintain financial responsibility by keeping proper insurance according to AZ law yet the XXXX continues to drive the vehicle despite not being in compliance with the law thus jeopardizing my drivers license as well should he be stopped for any reason by the police. 
Shortly after they stopped making the payments altogether resulting in the vehicle being repossessed by XXXX XXXX XXXX. 
This affected my credit and has made it nearly impossible to get any credit to buy a new 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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For more than six months I've tried to close a Wells Fargo savings account I opened. 

I've personally spoken with several representatives on three separate occasions to try and remedy the situation. Each time being assured the account would indeed be closed. 

Despite those assurances, the account is still opened. I received just today yet another " Wells Fargo savings account updates. '' I deeply regret opening this account. I can't imagine to what end this is benefiting them, it just feels oily in a sleazy unethical way. 

I'd just like to put an end to whatever game they're playing and successfully close 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