vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group just reported to my credit a week ago and I have no idea what it is for. I never got a notice and I have tried to call them at least 20 times and no matter what option I push the recording just loops back. I can not reach anyone to even try to see what this is for. This is a violation because they should send a 30 day write to dispute notice for one, they ca n't just put something on my credit because they want to. Plus my name is common and I have had multiple mixed files in the past due to that. 
They put it on your credit then you can not ever reach them. How are they even allowed to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I sent {$670.00} plus a {$33.00} fee with western union on XX/XX/XXXX. The money should have been available on XX/XX/XXXX but when the receiver went to pick it up he was told it was on hold. Then I suddenly got an email saying it was picked up, but it was never picked up. Ive contacted them multiple times just to be told the money was picked up. I think an employee stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: IL

Complaint narrative:
I signed up for XXXX when i first enroll to XXXX XXXX. one day i had a talk with the chairman of XXXX XXXX he stated that the school was going to be remove the XXXX XXXX classes. i switched from XXXX to XXXX me thinking my credits would transfer. graduated 2012 they stated they would help me find a job but never really tried to help me school closing affected me getting a job because most jobs require XXXX XXXX, non of my credits were transferable. before i enroll in XXXX XXXX they stated some credits would transfer. right now i have a hard time paying back and looking for a job where i can put my diploma in use the loans have affected my credit i cant apply for no more loans and go back to school even if i could i would have to start from the beginning due to my credits not transferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX I did apply for a loan # XXXX with Citibank on XX/XX/XXXX before I apply fir the loan they gave me a pre-approval letter stating they will approve XXXX anyway I did find a condo I did want to buy in XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX.with the closing day in XX/XX/XXXX the bank requested a lot of documents with I did provide they did have long time to decide to approve or denied but this took that long either they did not responded about the loan was declined until XXXX/XXXX/XXXX with the expectation that was going to be approved but was denied.that caused me to the seller get upset and try to keep the earned money which was so unfair to me after expending so much money I had to hire a lawyer just to get my money, lawyers expenses {$500.00} earnest money the seller kept {$900.00} extra expenses homeowner application {$150.00} inspection {$190.00} papers {$150.00} I want to the bank be responsible for all damages caused me plus stress and waisted my time The people who worked with me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a copy of my credit report from all XXXX XXXX in XX/XX/XXXX. I noticed 2 collection accounts with Portofolo recovery associates that did not belong to me. I disputed both accounts in XXXX and received notices from Portfolio Recovery dated XX/XX/XXXX, stating that they would close and remove both accounts from my credit reports. The information was never closed nor removed from my credit reports. They are actively updating this information every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice. 

I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This pertains to a cashout refinance loan for a primary residence with Wells Fargo. This is also related to a prior CFPB complaint ( from Q1 XXXX ) against Wells Fargo on this loan. Although some fees were waived from that complaint, I still incurred several excessive fees as a result of the issues that were arose. The loan was closed at the end of XXXX with Wells Fargo holding ~ $ XXXX in escrow as renovation work had started on the property. Wells Fargo requires the property to be in habitable form in order to close and agreed to an escrow holdback until the renovation work was completed including a final inspection to determine if the property is habitable. The final inspection occurred and was also provided to Wells Fargo last Friday, XXXX XXXX. Wells Fargo still has not provided a copy of the final inspection/appraisal report to me as is required and did not follow up on the release of the escrow until I did this week. Neither the appraisal nor the escrow has been provided to me.

Contrary to what was represented to me during numerous  conversations and correspondence throughout the loan process, Wells Fargo is now requiring that a copy of a paid in full invoice to the contractor be provided before releasing my funds. This requirement pertains only to construction loans, NOT cashout refinance loans for a primary residence. When I questioned this request ( paid in full invoice to the contracto ) prior to and at the closing table, I was told by Wells Fargo that " this is our [ Wells Fargo 's ] standard escrow form for everything, we [ Wells Fargo ] ca n't make any changes to the form, and only the habitable requirement upon satisfaction of the final inspection is needed to release the escrow funds. '' A satisfactory final inspection was completed and submitted to Wells Fargo last Friday, XXXX XXXX. Now, Wells Fargo is requiring a paid in full invoice and categorizing this loan as a construction loan. This is misleading as all of the documentation, including the loan estimate, closing disclosure, and final closing documents clearly state this loan is a cashout refinance on a primary residence. I have paid nearly eight months of interest on $ XXXX being held in escrow and now Wells Fargo is prolonging its release costing me additional interest and lost potential revenue ( as I could be holding this money in an interest bearing account, etc. ).

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 2017-12-07 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: GA

Complaint narrative:
I file a complaint on XXXX/XXXX/XXXX case number XXXX about Experian not providing proof of the items on my report on how they are verifying these items and the just keep sending me a report saying verified. Now I would like for you all to make them do their job because I do know that they are violating my right by not doing so. I have a problem with them saying its verified to me within two weeks but now need 60 days. that 's a problem and dont feel they are doing their job. I request this from all three bureaus and the other two could n't verify them so the stop reporting like they should. I even sent a letter that the collection agency sent me saying they cant verify and ask that they stop reporting but they still reporting as verified. Now I know if this is wrong that the others accounts are not verified they are just not doing their job. XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX. I 'm sending you the letter i sent to them but they still saying verified.

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 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is  a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a car a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX area in XX/XX/XXXX and the vehicle was the approximate cost of {$12000.00} XXXX XXXX miles on it. XXXX dealer indicated to me that I would have to pay like 10.5 or 11.5 interest-rate when I was told by Wells Fargo gave in my information I just paid off my student loan XXXX {$9000.00} off and I had very little credit and they said they will work with me Wells Fargo and the XXXX dealer. I end up with a 16.99 interest rate I cant pay for it now. I decided just get in the car because a hassle to me and the lady who help me with the loan gave me her fax that she will give me 11.5 I was surprised at this rate I half I told them about it they wrote me a letter stated this is the rate they gave me I said no I feel that you are racially profiled me and you discriminate against me and you lied, Wells Fargo. So I voluntarily told him then have the car cause I couldnt pay for it and the repairs at XXXX miles. They wanted me to sign a piece of paper that I will voluntarily give them the card. And I decided not to sign the paper when I got the information back it was so many fees die oh more for the car that I paid into the car. I believe this is a scam by Wells Fargo the predatorily lead against me with this car they try to help me out to give me two missed a couple payments is XXXX a month and its crazy Im on XXXX to and I dont know what to do? They will be charging me on XX/XX/XXXX XX/XX/XXXX I have to pay for three XXXX with late charges XXXX continues from the day I decided to give up the car so the current balance is XXXX XXXX delinquents charge XXXX collection repossession fees will be {$470.00} then another describe miscellaneous fee {$45.00} and the reason we procession amount of this is due XXXX XXXX then it says contactContact payment due XXXX delinquents charge it at XXXX collection fees again for {$470.00} insurance nothing another miscellaneous fee is XXXX then it says amount due at the date of notice will be XX/XX/XXXX XXXX. XXXX additional then they said every day when I have to car I will be charged all these fees until the car is sold not tell me this is not a gimmick. This is Wells Fargo plan to sell property yesterday told me this is Wells Fargo dealer service. My name is XXXX XXXX XXXX XXXX.My cell number is XXXX my address is XXXX I did my best to try to work this situation out with Wells Fargo this company is a joke I dont like how they treated me and I dont like how they harassed me and Im very serious how they treated me as a customer so can you please help me with the situation.

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 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.

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 2017-12-07 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
Lender ( RP FUNDING ) not only failed to disclosed that the PMI will be for the life of the FHA loan, but their loan officer ( XXXX XXXX ) provided inaccurate information stating, the PMI collected every month will be terminated at 11 years. According The the Federal Housing Administration / HUD this is not true for loans originated on or after XXXX 2013. My personal opinion do not trust or so business with RP Funding, additionally their cushier services provides misleading information not in a timely manner and usually, stating the information without provided within the time required by law, but not providing what the time required by law is. The PMI for life regulation of XXXX 2013 is unreasonable and by no means protects the consumer but money hungry computations. It is sad how this organized crime and scam is supported by this U.S government I now serve as a member of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation