vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am trying to rollover my 401k from Wells Fargo to my new employer 's 401k. 
I have provided every piece of paperwork that was requested to complete the transaction, including a copy of my driver license and answering multiple security questions. 
They have told me they can not read my license when the exact copy I have is clearly legible. They are purposely delaying my rollover.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The State of XXXX  Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of XXXX  Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from Experian, XXXX  and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XX/XX/XXXX off of my XX/XX/XXXX Credit Report. Thank you so much.

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, i : received the following message from CFPB, " Thank you for your complaint XXXX about XXXX XXXX XXXX XXXX XXXX. 
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX. This complaint is now closed. There will be no further action on this complaint. " This decision by CFPB is in clear error based on the following : 1. Complaint number XXXX was, inter alia, concerning, strangers to the transactions unlawful attempts to extort monies from me. 
2. However, Complaint No.XXXX about XXXX XXXX XXXX XXXX XXXX is about chapter XXXX trustee wiring my and estate monies of about $ XXXX, to unknown accounts, after i : had sold the subject property, 14 days after the close of escrow and when my objections to he proof of claim 6-1 as well as both the Debtor and my objections to the alleged arrearage of about {$450000.00} was on records. The key word is CLOSE OF ESCROW WHICH TOOK PLACE ON XX/XX/2016 WHILE THE ESTATE AND MY MONIES OF ABOUT $ XXXX WERE EMBEZZLED OUT OF THE ESCROW 14 DAYS AFTER THE CLOSE OF ESCROW. This is a criminal offense of embezzlement, Chapter XXXX trustee had no jurisdiction to embezzel my and the estate monies of about $ XXXX to anyone, 14 days after the close of escrow. 

Please recognize that the two complaints ARE NOT DUPLICATES and inform me accordingly. 
Thank you XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My second mortgage statement with Wells Fargo shows a due date of the XXXX of the month. The statement states that a late charge MAY BE charged if the payment is made before that date. In actuality, the drop dead date for the payment is the XXXX or so of the month. There is an unstated grace period. NO ACTUAL DEADLINE OR PENALTY AMOUNT IS SHOWN ON THE STATEMENT. 

Wells gives the customer 10 days from the first of the month to pay the bill. After the XXXX of the month the loan is considered in default. When the full amount due is paid by the end of the month, the next bill shows a late payment amount. This is misleading. 

The Wells representative stated that there is no need to put actual due dates or penalty amounts on the bill since the consumer can easily read the parameters is the constantly changing financial statements. 

This is exactly the misleading billing practices that wells has practiced in the past and has been penalized for.

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 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have tried to on several different occasions to try to get the lender to review my short sale offer. I had all documents to the lender within a weeks time. Which would have given them over 30 days to review the offer, and they came back and stated that they did not have enough time to review the file for short sale. That is ridiculous. I feel that the lender is pushing me into a foreclosure situation, they definitely are not giving me any other alternative to foreclosure. 
I am at my wits end and do not know what to do. I now understand why people contemplate doing harm to themselves, as this situation has caused me to become emotionally distant and in a constant state of apprehension. I need help with this ordeal, as I feel like I am falling down the rabbit hole. Please 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 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt.

They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).

VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. 

I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I attempted to open an account and was denied via email. The so called customer service was evasive, unprofessional, refused to answer why. I was not provided any explanation after being on hold for half an hour and being on an abusive, obnoxious phone call. 

What an unprofessional bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX : borrowed {$37000.00} Forbearance on loan the maximum time allowed XXXX : now owe over {$70000.00} even after making payments ( ridiculous amounts monthly ). 

I have been XXXX since XXXX. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services.

Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a  provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. 
Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate. 
Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, XXXX and TransUnion. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, Equifax and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My identity was compromised years ago, so I have learned to check my credit reports frequently. The first incident of fraud with Chase Bank was on XX/XX/2017 when someone attempted to open a credit card and/or account using my information. I immediately contacted Chase on XX/XX/XXXX and answered security questions to prove it was really me. They told me that it would be deleted. I filed a police report and waited for it to be removed. I called again after 90 days because it wasn't removed and received an apology and assurance it would be done. A few months later, another fraud attempt was made at Chase and I called them again and followed the same procedure. A few weeks ago, I checked my credit report and the derogetory information is still there. I have made several calls to the fraud department of Chase and also their credit bureau specialists to fix this since it first began in XXXX. I am told time and time again it will be corrected and yet it never is. They have sent me letters confirming the frauds and their corrective actions. Despite this, no corrections have been made. They also declined to give me specifics of the the frauds so that the police could investigate and arrest. I was told it was done in person at a branch but the wouldn't tell me anything more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
While using American Express I was told several times my credit report would not receive a negative his as I was working with AMEX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, AMEX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point AMEX still kept the account closed and did not remove the negative credit hits on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ Data Int. had acquire a debt from a previous apartment complex I lived at for {$51.00} in XX/XX/XXXX. They reported the debt on my credit so I called them as soon as I saw it.They agreed to remove it from my credit if I paid the full amount so I did immediately. It has been 2 years and they are still reporting on my credit. I called them today on XX/XX/XXXX at XXXX XXXX and was told by the representative, they can't do nothing about it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with XXXX, CCS and personal identifying information.

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. 

Defendants Experian willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants XXXX and CCS willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that XXXX and CCS did not have Plaintiffs signature on any documents, that XXXX and CCS had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants XXXX and CCS about this fraud.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with Astra, XXXX and personal identifying information. 

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis.

Defendants XXXX willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants Astra and XXXX willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra and XXXX did not have Plaintiffs signature on any documents, that Astra and XXXX had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and XXXX about this fraud.

Company response to consumer: Closed with explanation