vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.

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 monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.

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 2017-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On  XXXX - XXXX -2017 I asked Hyundai Via their website portal to stop communicating by phone as their calls were so frequent as they became harassing and annoying.
On  XXXX - XXXX -2017 a payment for {$450.00} was mailed out via EXPRESS mail with Saturday delivery before noon to their overnight mailing address.
On  XXXX - XXXX -2017 Hyundai called again, but this time was early in the morning on Saturday morning.
This is a violation of the fair debt collections practices act.
PLEASE CONSIDER THIS MY NOTICE OF INTENT TO FILE A SMALL CLAIMS LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX XXXX in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is Celentano, Stadtmauer and Walentowicz, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, XXXX and transunion reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks 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 non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX,2017 Syncb/Walmart and Syncb on XXXX 2017 this bank pulled my credit without me authorizing them to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 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: FL

Complaint narrative:
XXXX XXXX,2017 XXXX and XXXX on XXXX 2017 this bank pulled my credit without me authorizing them to do so.

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 2017-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it off.

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 monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I received a telemarketing call for walmart Mastercard at XXXX XXXX XXXX XXXX. I believe telemarketers have times in which they can call. It was very annoying and the caller hung up when I answered in a very sleepy voice

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 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My wife,   XXXX   XXXX   has two mortgages with Ocwen Mortgage. One is on our residence,   XXXX   XXXX   XXXX  .   XXXX   XXXX  , NV  XXXX  ( loan #  XXXX  ) and the second is on a rental property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NV  XXXX  ( loan #   XXXX   ). My wife is current on both mortgages, never having even been late. In  XX/XX/XXXX , we learned of a judgement settlement from  XX/XX/XXXX  in which Ocwen was required to provide principal reductions to underwater homeowners and that Ocwen was required to contact those borrowers. Both of my wife 's mortgages were underwater, but Ocwen never contacted us. We wrote to Ocwen in  XX/XX/XXXX , and have had a plenitude of exchanges with them since then. We have saved all the paperwork, and have taken contemporaneous notes during telephone exchanges. We have cc 'd many of our letters to the Office of Consumer Ombudsman, the U.S. District Court for the District of Columbia, the Nevada Attorney General 's Office and you, the Consumer Financial Protection Bureau..
We jumped through all the refinancing/modification hoops with Ocwen, and, in the end, the only solutions they offered us were short sale or foreclosure. The primary residence is currently valued at about 420K, while the outstanding mortgage is   XXXX   ; the rental property is similarly underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.

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 monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to me ).

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