vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On   XXXX   XXXX   XXXX   I obtained a HELOC from Wachovia Bank for {$160000.00} for my home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  - Loan Number :  XXXX . The loan officer was  XXXX   XXXX , and they did not require any proof of employment docs, only the deed to the property. They filed a lien on the property.   I became   XXXX   in   XXXX   XXXX   and was unable to find work for  XXXX  months, and was carrying {$2.00}  XXXX  in debt. After exhausting all resources, including  XXXX , stock, and savings I filed a Chapter  XXXX  bankruptcy in  XXXX . The HELOC and all other debt was discharged. I was able to bring the smaller  XXXX  mortgage current and keep the home.  Wells Fargo Bank (  successor ) has refused to remove the lien, even though they have received the Bankruptcy discharge documents, and their own records show the debt is gone. I have spent over   XXXX   years writing and trying to find someone to assist. In writing, I just get a form letter and on the phone they say they can not discuss this due to the bankruptcy discharge. Wells did however use my information to open  XXXX   Wells Fargo  bank accounts in  XXXX , AZ ( I live in FL ). The  Wells Fargo  employee was  XXXX   XXXX . I closed the accounts as soon as I learned about them.   I am  XXXX  and getting ready to go on   XXXX   XXXX  , and move to a less expensive area out of state. I can not sell my house with this lien on it, and  Wells Fargo  does n't respond for requests to remove it.   Attached is the a copy o f Wells Information  copied from my  XXXX  credit report and my Bankruptcy discharge from the court.  Wells Fargo  will not provide any documents to me, saying that the debt was discharged.   Please let me know what I can do to get the lien removed.    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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC.
State: MD

Complaint narrative:
I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old . I was incarcerated when the debt went into default. I have not been notified of the debt from  Palisades   XXXX  or  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , located in  XXXX , MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I received a notice through my  XXXX  that I had a new account being reported, a collections account. Whereas I have never received any communication from this debt collector in writing on phone call that I owed this debt, it went straight to being reported on my credit report and I was not given the right to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In  XXXX     2017,  I requested that  American Express  issue my girlfriend an additional American Express Platinum card so that she would be an authorized user on my account. My girlfriend was issued an American Express Platinum card on my account in    XXXX     2017,   but the account was never a joint account and she never agreed to be liable for any charges on my primary account. My girlfriend also never incurred any charges using the newly issued card. Nevertheless, in  XXXX   2017, we le arned that  American Express has reported to the credit bureaus that my girlfriend had an open account with American Express and that her account had a sizeable outstanding bal ance, which balance was actually the balance that I owed on my primary card account. My girlfriend had no legal responsibility  whatsoever for the account balance reported by American Express to the credit bureaus on my girlfriend 's credit report. This inaccurate credit bureau reporting materially and adversely impacted my girlfriend 's credit score. Further, when American Express was notified of the error, they indicated that it would take over 3 weeks to correct the error to my girlfriend 's credit report. In my view, this should be a clear violation of the Fair Credit Reporting Act or, at a minimum, be deemed an Unfair, Deceptive or Abusive Act or Practice and American Express  should be required to correct such errors immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
Speedy Cash  hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These  XXXX  at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: AFNI INC.
State: MI

Complaint narrative:
it is a  XXXX   bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave  XXXX  a  one  month notice that I was canceling my services and now my  credit score is d amamged because of this fake bill and collections threats from afni collection company docket number #  XXXX  please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from  XXXX  ..cable company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital  XXXX   XXXX   XXXX  is report an untrue credit status. It is reporting  XXXX  late status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I certified the letters to credit bureau and to the company 's sent me a payment sheet i never did business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: VA

Complaint narrative:
I filed bankruptcy, but paid off my student loan in  XXXX . In    XXXX   XXXX   XXXX  ,  I started getting calls from Navient about making a payment. For over a year, I provided them with written proof and they continued to harass me.     I finally just gave in and paid off my loan AGAIN. They have not followed up with a letter or proof of completed repayment.     I was wrongfully charged. After fighting the issue for a year and never moving forward, I paid them AGAIN. The loan is still not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: GA

Complaint narrative:
To whom it  may c oncern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017 in   order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2017-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom i t may  concern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: OK

Complaint narrative:
JH Portfolio Debt Equity  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  XXXX  e-mails and letters to the company including the company CEO explaining the debts are not owed.  XXXX   XXXX  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  JH Portfolio  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on   XXXX   XXXX   XXXX     against  JH Portfolio.      The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on   XXXX   XXXX   XXXX    , and  XXXX  days have now passed without any type of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I received a letter from lender,   XXXX   XXXX   that the ownership of my loan was being transferred to   XXXX   XXXX  , but that they would continue to service my loan.   On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX  that the service of my loan was being transferred from  Fifth Third Ba nk effective  XXXX ,  XXXX ,  XXXX . This letter did give me an address to send in payments, but no  Fifth Third Loan  number.   It is now  XXXX   XXXX ,  XXXX  and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the  XXXX  payment and it did not recognize the loan number I was given.   Today I will get in my car  and drive   XXXX  miles each way to try and make the loan payment in person all because  Fifth Third  did not do their job of servicing my loan in a timely fashion.   Clearly, I and other members of the  American p ublic have other ways to spend my time then to deal with failure of  Fifth Third  Bank to do what    XXXX   XXXX     pays them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
Call  amsher  and told them that I would like to have verified this account bearing my signature as I was on the phone the people there were  rude  will hang up once I called called to get account number they will not give there supervisor  XXXX  I believe the name was very rude as I ask her to send me something bearing my signature as well and she refused and hung up the phone. To Whom It May Concern : This letter is regarding account #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   an d   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section  807-8 )  You will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes o f 15 USC 1692 et se q., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   C onsent to publish the description of what happened? Consent provided This is about a ( n ) Debt c ollection :  Other ( i.e.  phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  //// DIVERSIFIED CONSULTANTS #  XXXX   XXXX   XXXX   XXXX   XXXX ,, FL  XXXX   XXXX  The y are  calling on a   XXXX   XXXX   XXXX   XXXX   owing  them  XXXX   which is false i returned their equipment to the   XXXX   XXXX   per their receptionist at   XXXX   XXXX   XXXX   XXXX   she told me there was no other amount owed due to the fact i returned their equipment in due time now this company is trying to collect money from me and the   XXXX   XXXX   XXXX   XXXX    receptionist from  their main office warned me of false collection from these people it is happening quite a bit to their past customer and she told me not to pay them and to report their false way of doing business to the correct people they are these   people are not giving    XXXX   XXXX   XXXX   XXXX    a vey good name  she was from their Florida office please have  them st op asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  hundred  e-mails and letters to the company including the company CEO explaining the debts are not owed.  Capital One  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  XXXX   XXXX  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on  XXXX   XXXX ,  2017    against  XXXX   XXXX .     The companies response was they would validate the account.   XXXX   has failed to provide any type of validation, nor has sent any notice that a debt is owed to  XXXX .   XXXX    responded to the complaint on  XXXX   XXXX ,  2017 , and 60 days have now passed without any type of debt validation.

Company response to consumer: Closed with explanation