vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX 

One amount is for {$1100.00} and another is {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Schachter Portnoy, L.L.C.
State: NY

Complaint narrative:
XXXX XXXX threatened to sue me via Schachter Portnoy. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus asking Experian and XXXX XXXX to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.

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 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
We were in CH XXXX bankruptcy which was dismissed. Fay Servicing sent us a statement dated with an arrears of {$26000.00} due XX/XX/XXXX. We borrowed from friends and family to pay that amount but Fay Servicing says its in foreclosure and additional fee are added. Tbey will notvyake payment. I have aoent over 3 hours on phone being transferred from person to person and different acount managers. No one seems to know or care. They had wanted us to get a modification at a higher interest rate and over {$7000.00} in fee. I just want to pay and get my account in order and save my house. 
PLEASE HELO..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.

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 2018-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus asking XXXX and Trans Union to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.

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 2018-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a {$50.00} payment on my capital one bank account on my card ending in XXXX with scheduling confirmation Number : XXXX on XX/XX/XXXX. In making the payment, I put in a XXXX XXXX checking account number. I didn't give it a thought till I got an alert of overdraft fee from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX and upon investigation, I saw capital one took the payment from an checking account number they had on file that is used for my autopay, instead of the account number that I put in. I contacted XXXX XXXX XXXX immediately on XX/XX/XXXX who asked me to request Capital One refund the payment to that account before they can take off the fees. I contacted Capital One immediately I got off the phone with XXXX XXXX XXXX and explained the mobile app issue that led to the situation and offered to give them the right checking account it should have come out from in the first place. However, Capital One is essentially insisting that the mobile app malfunction that made them take the money from an account other than the one I put in is my fault. I spoke with an agent named XXXX with agent ID XXXX and when I felt the agent didn't have sufficient authority to resolve the situation, I asked for a supervisor, and spoke with XXXX who identified herself as a " Supervisor at the account escalation team ''. The reference number for the conversation is XXXX. She elaborated on why I am responsible for Capital One mobile app malfunction to my consternation. 

I do not feel it is right for me to be penalised for capital one mobile app malfunction that is not my fault. I gave them an account number to take a payment from, they did otherwise and want to blame and penalise me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed XXXX XXXX several times with the credit Bureaus due to inaccurate information showing on my credit reports. Transunion continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Transunion is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported.

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 2018-04-11 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:
TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it. 
XXXX I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX Trans Union I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXX XXXX XXXX I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} 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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX XXXX  and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. The original creditor has already deleted this account from my credit profile. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX. 

The account is for the amount of {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Over the past few years I have filed numerous complaints with the CFPB, all to no avail. I will continue to file complaints with the CFPB against Select Portfolio Servicing , Inc, hereinafter referred to as SPS, until they stop their wrongful and illegal collection and enforcement activities. Once again, I am being forced to file yet another complaint in additional to another lawsuit. SPS is continually attempting to collect and enforce a debt that no longer exists. Even though the debt no longer exists and hasn't since XX/XX/XXXX, SPS is attempting to foreclose on my property on XX/XX/XXXX. The logic of trying to foreclose on a Deed of Trust that has been eliminated is beyond my comprehension and is outrageous. Despite being aware of this situation, SPS continues with their wrongful, deceptive, and illegal actions. SPS is a " debt collector '' pursuant to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, and the California Rosenthal Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. SPS purportedly acquired the mortgage servicing of the debt obligation effective XX/XX/XXXX. At the time of this purported transfer, the debt obligation was contractually due for the XX/XX/XXXX payment. By the plain language of the acts, there is no dispute SPS is a " debt collector ''. There is no dispute that the mortgage debt is a consumer transaction debt that is covered under the FDCPA. Despite telling SPS to stop contacting me in a letter dated XX/XX/XXXX, SPS continues to send me letters and refuse to acknowledge that they are " debt collectors '' without the legal right to attempt to collect. SPS is engaging in acts that are causing substantial harm to me in violation of the Unfair Competition Laws. Immediate action must be taken to stop them from engaging in such unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the RFDCPA. SPS is not exempt from abiding by those laws and must be held accountable for their misconduct.

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Basically this institution ( the XXXXXXXX XXXX XXXX XXXXXXXX ) falsely misleads students into the thought that this program can be completed in three years. With the very challenging schedule and work behind it, I was not able to complete the school. I got to a point where I couldnt progress any further. The Institution is no longer in business and there are multiple lawsuits out there claiming the same as I am. I dont feel that it is fair that I have to pay all or a portion of this $ XXXX loan when I was misled. Not to mention, if i decided to try this course again, I wouldnt be able to because they are no longer in business. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first on XX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, Wells Fargo Dealer services sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. Wells Fargo Dealer Services believes I still owe my loan which I don't believe is accurate. Thank you

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 2018-04-11 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: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX. 
I made a XXXX payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period. 

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report. 
today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late. 

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has reported me making late payments on my credit report for the last 2 years. navient fails to correctly apply my payments to my student loans. They have given me false information several times and tried to hinder me from taking part in a repayment plan with a lower interest rate, the continuously report my payments late to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry 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