vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wells  Fargo b ank account has been sabotaged constantly since  2007  by the  XXXX  organizations "   XXXX   XXXX   XXXX   '' I have been paying bills without my consent. the   XXXX   working in the bank are sabotaging my account. it is been reported to the Bank over and over again and the bank is been informed and the problem is being confirmed by the bank through statements and letters, but nothing has been done to prevent it. my debit card is been blocked only " which has nothing to do with the problem '' even my bill payments are being sabotaged by this people, the last  one  was payment directed to   XXXX   being sent to  XXXX  car insurance with which I have nothing to do anymore, just to tell me how helpless the system is in stopping the harassment of the organized religion.   please stop financial injuries that I have been going through since  2007 .

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC
State: AZ

Complaint narrative:
this company has called me several times threatening if i dont call them back they will take action. They never state where or why they are calling. They call several times a day. They also call my friends and family asking personal information about me. I have asked them what company they are with and they wont tell me. Repeat that 'I am hiding from someone and should be ashamed '' They have threatened to call my work place. The  Guy on th e other line identifying himself as  XXXX   XXXX  is very unprofessional and speaks to you very rude and disrespectful. He also states he sends mail to my house that I must respond to. I dont know what mail or even the name of the company he is with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: NC

Complaint narrative:
I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

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 2017-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit i s reporting a $  XXXX  {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in  XXXX . I 've sent them a letter on  XXXX   XXXX ,  XXXX  ( received by them on  XXXX   XXXX  ) seeking substantiation of this debt of which I 've not received a response.  Navy Federal c ontinued to pursue foreclosure of our home in  XXXX  despite several attempts by us for a loan modificationthroughout  XXXX  and  XXXX . We then hired an attorney which  Navy Federal  chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender   ( Navy Federal ).
We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even   filed a  XXXX  for a forgiveness of this debt to the IRS.   Your efforts to have  Navy Federal subst antiate this debt are most appreciated.     Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: IN

Complaint narrative:
I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.

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 2017-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I get  XXXX  students loans showing on my credit report who actually getting paid by my mom monthly. The company just now reopen my debt and doing a garnishment on my paid stubs bi-weekly. I do not own a student loan the debt is under my mom credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution provided.

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 2017-05-15 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: VA

Complaint narrative:
XXXX  Disputed {$1000.00} collection on my Equifax and   XXXX   reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX  Equifax sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the Equifax removal to   XXXX    XXXX  Checked my credit reports and both Equifax and  XXXX  had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX  Equifax reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidence  to Equi fax and   XXXX   to dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: P.S.C., Inc
State: OK

Complaint narrative:
Puget sound Collections I personally wrote to them a letter of disagreement of all the bills from  2015  and anything prior to that I do have all the copies and when they were sent to the agency this was with an attorney involved there was not a single letter back from them and they did not write anything stating I owed these bills or anything, these bills should have been wiped from any credit report. there were over  XXXX  report number listed and I do have proof that they received them. They like I have 30 days to respond to me. They did not, I call them they do not respond, they are very rude. These are all medical and most of the medical work with my insurance company and make agreements to take certain dollars for the procedures. ANY AND ALL PUGET SOUND COLLECTIONS SHOULD BE REMOVED. If they want copies of the letters in which it does show the numbers listed in their files I will be happy to resend these to them.

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 2017-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
i have received bad information in regards to loan. even though it has been difficult to repay loan due to lack of work and illness. I have still been trying to make arrangements. I am currently trying to enroll in school to further my education for employment reasons. I am not getting any help from loan officers. not to mention that I do n't even remember half of the loans that they are referring to. I feel like I am being swindled by the loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FIRST WHOLESALES MORTGAGE
State: SC

Complaint narrative:
I recently had my old mortgage lender ( XXXX XXXX XXXX XXXX, IL ) sell my home loan to Citizens First Wholesale Mortgage Co. Their address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone is XXXX. We have tried several times in XXXX XXXX to get in touch with Citizens First about taking an automatic draft payment from our checking account every month as XXXX XXXX did. They never returned our calls for a couple weeks so we kept calling them back. Finally they did say the first month they needed a check so we sent them XXXX for XXXX. After that they would set up our payment to come out on the XXXX of every month. As of XXXX XXXX our payment of XXXX has still not come out. My husband called last week to find out what was going on and they said they transposed some numbers and our payment would be automatically drafted out in a couple of days. He spoke with someone named XXXX XXXX  week later it still has n't come out. I called them this morning to find out again why it was so difficult to take our money and I do n't want to have any late charges against me. An answering service answered and said they are not accepting calls and lots of other people are mad that no one has returned their calls either. This is crazy that I ca n't get the mortgage company to take my money, do what they say or not even be able to speak with someone from Citizens First now about my mortgage. I am worried about them trying to charge me late fees or having to pay a mortgage payment twice. What kind of fly by night operation is this?

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 2017-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.

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 2017-05-15 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: OH

Complaint narrative:
I purchased a car i n 2015. A fter purchasing my vehicle through  XXXX   XXXX , I see that over  XXXX  inquiries were processed on my credit report without my authorization. I contacted Transunion directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

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 2017-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I purchased a    XXXX   XXXX   XXXX   from  XXXX .  The loan was taking out throu gh Chrystler Capital. After making our first payment we were notified that there were major issues with the car that we were  n't aware of before purchasing it. We then were notified that the dealership was n't able to obtain the title to out vehicle which gave us no choice but to turn the vehicle back in along with the plate and temporary registeration. Another month goes by without this vehicle and we are being told that the deal has been closed out yet i have bill collectors reaching out to me for payments to a car that i do not have access to at all. M y credit score had  decrease by  XXXX  points a few days later because of the dealership not being truthful closing out the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   at  XXXX   XXXX   XXXX , I received a telephone call from  Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a  two  party consent state as described in  Cal. Penal Code 632 . The  Federal statute is mute since the California statute is more restrictive and the Federal  statute defers to the more restrictive statute when one exists.

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 2017-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation