vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
In XXXX of XXXX my XXXX XXXX XXXX caught on fire while I was driving. I contacted Hyundai because there apparently was a recall on the engine. During that time I needed a rental car that I would have to pay out of pocket for. As a XXXX veteran, I could not afford to pay both a car note and a weekly charge for a rental so my payments for the car fell a few months behind. I received a letter from Hyundai saying that if we did not pay by XX/XX/XXXX, they were planning to charge the car off. I ended up paying the amount due as well as past due before the deadline. By the end of XXXX the car was paid off and the account closed. I went to XXXX to purchase a used car in XXXX of XXXX and was told that there was a charge off on my credit report. I ordered my credit report and saw that it said it was paid off as well as charged off. I contacted Hyundai immediately and they explained to me that it was a mistake and that they would fix it. They said it would take 30 - 60 days to be fixed. I checked a few months later and it was still on my credit report as a charge off/paid. I disputed this with the credit bureaus and Hyundai did nothing to fix it. They have the proof of the vehicle being paid off in full, not charged off. Not only did they not fix the charge off on my credit report with all 3 credit bureaus, but they completely erased the car from my husbands credit report. It is now XXXX and I can not get a car without a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is making updates on an account that his been paid and closed for years!! Updating after an account has been paid and closed is a clear violation. This account has never been touched nor disputed and I don't know why after so many years, they are making updates! They are making violation updates and affecting my credit file. This accounts needs to removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

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 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I mailed via USPS check # XXXX for {$42.00} to XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX, I noted the check was not credited to my account and emailed XXXX at Customer Service, XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX XXXX through XX/XX/XXXX, I worked via email, phone or in person with XXXX, XXXX and XXXX at the Customer Service Department/Financial Services and was informed the check was never received by XXXX XXXX XXXX XXXX . I emailed them a copy of the cashed check with front and back of the check included showing the check was deposited on XX/XX/XXXX by Wells Fargo Bank and my bank, XXXX XXXX XXXX removed the amount from the joint account in my name and my husband 's name on XX/XX/XXXX. I was told the endorsement on the back of the check was not a XXXX XXXX XXXX XXXX account and that the XXXX XXXX did not have the check. On XX/XX/XXXX, I met with Assistant Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX and opened a new account since the check was cashed fraudulently and was informed to talk to Wells Fargo Bank. I attempted to talk to the Assistant Manager and Manager of Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and told they couldn't talk to me since I did not have accounts with them and that my bank   needed to complete a fraud form. I then returned to XXXX XXXX XXXX and completed the Affadavit of Fraud Form. Over the month of XXXX, I was told I needed to complete a new form stating the issue was missing improper endorsement. I was told on XX/XX/XXXX XXXX XXXX XXXX did all they could to correct the situation, but had no success and that I should try with Wells Fargo again. I spoke with XXXX at Wells Fargo customer service phone line and was again told they couldn't talk to me since I didn't have an account with them and that XXXX XXXX XXXX XXXX would need to correct the situation with their source ; they could not explain further what that meant. I am looking to have my account credited for the {$42.00} that was fraudulently removed. I did pay the XXXX XXXX bill with a new check.

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 2019-03-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
For the past few months, i ve tried to get Equifax to report my credit line which would then raise my credit score and always its the same response. The CSR would then asked to verfiy my id, so i mail in the request and alongside by faxing it twice from my Credit Union as well. The CSR always claim to never recieved such or to resend my verification id, yet some CSR do find the paperwork in their system already. Furthermore, i ve tried to debate that my credit card company XXXX XXXX does send a monthly report to all credit agencies and its on their side thats not processing the information given. However, in recent XXXX and XXXX is now reporting all on time payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
Lotane and Associates contacted me on my cell phone and threatened that if I did not pay the medical bill I would be arrested or would take action to seize my property. They have stated this to me over the phone on 5 separate occasions. I do not own a home. 

Lotane and Associates state they tried to summon me to court. They said they came to my home and my landlord said I did not live there. That is not true and never happened. As my landlord does not live at the home. They stated in the documents presented to the courts that my landlord told them this. They went to a place I have never worked and tried to serve me. Meaning they falsified the court summon document. 

The debt is not on my credit report nor did I ever get a bill as my insurance company paid for the emergency room visit. I pulled my credit report on XX/XX/XXXX and it is not on XXXX, XXXX, or XXXX. I called the hospital and there is no record of a debt for the same amount as my insurance paid for the emergency room visit back in XXXX of XXXX. 

In good faith, I went to mediation with them as they are balance billing above what my insurance paid tacking on ridiculous amounts for which my insurance has already paid. This is an illegal act in Florida. I now have a court date on XX/XX/XXXX and I am being intimidated to pay even though we have a court date set they are still threatening me to take me to jail. I offered to pay them XXXX to get them to leave me alone and they denied that they would accept anything less then 80.00 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I paid in full ahead of having dental work performed and I have a copy of the contract stating I prepaid in full, thousands of dollars and a receipt for the payment. Three years later, out of the blue, XXXX XXXX XXXX sent me a bill for some random services for over a thousand dollars that were not in the original contract. They also tried to double bill my insurance company 3 years after treatment and it was denied. When I refused to pay, they sent me to Capital Accounts for collections. 

I wrote Capital accounts and told them that no money is due, that I wouldnt be paying a dime and to not contact me again. 

They constantly call me on my cell and my home number every day and send threatening letters every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
A debt collector has been calling my family repeatably and has told them they are attempting to collect a debt from me. I never gave them my family 's cell phone number nor did I ever give them permission to contact anyone about my credit card. They called my family and my mom told them to stop calling, she said they called back on her phone 6 times the same day. The debt collector has been harassing my family and they should be fined for doing 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 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX referred an outstanding balance of {$450.00} to XXXX XXXX XXXX. In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to XXXX XXXX XXXX was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a XX/XX/XXXXbalance. I called XXXX XXXX XXXX to ascertain why payments were stopped. I was informed that XX/XX/XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to Diversified Consultants to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. Diversified Consultants reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it negatively reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
DEFAMATION, SLANDER Despite their assertion I am not behind on payments ( though I was behind two payments ), after I requested mortgage assistance, Wells Fargo contacted a friend I have had for years to let her know I am a financial delinquent. They refuse to fix this slander. See attached email. Relationships are priceless. 
OWNER OCCUPIED Wells Fargo declined my request for assistance with my mortgage. While simultaneously acknowledging the situation ( we are in the process of rennovating ), Wells Fargo refuses to recognize the property as owner occupied. We have lived in the home for 10 years. Recorded phone conversation XX/XX/XXXX. 
SINGLE POINT OF CONTACT Wells Fargo, despite my desperate and several requests for a Single Point of Contact, sent me, over the course of a XX/XX/XXXX three hour phone conversation, from department to department, uselessly wasting my time. 
STRUGGLING TO MAKE PAYMENTS My family has suffered financial hardship related to an attack on my children resulting in three demonstrable felony convictions. Wells Fargo does not care, saying I am not delinquent, even though I was two months overdue on my payments, and am struggling hard.

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 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Seterus Mortgage sold my loan servicing to XXXX XXXX XXXX on XX/XX/2019. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating they had taken over the servicing of my loan and that I had not made my XXXX or XX/XX/2019 mortgage payments. My loan is currently in their lost mitigation, collections, department! 

I emailed and faxed copies of my cashed checks to XXXX XXXX XXXX, front and backs which shows and proves that Seterus Mortgage received and cashed my XXXX and XX/XX/2019 mortgage payments before they transferred the servicing of my loan to XXXX XXXX  XXXX!! 

XXXX XXXX  XXXX has all of the documentation and has stated that it is up to Seterus Mortgage to decide if the payments were received! I feel its an issue that both these servicing companies need to resolve! I have given them proof that I made those payments and Seterus cashed and received them. This has been going on for almost sixty days and needs to be resolved now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I have been repeatedly contacted by a woman named XXXX since XX/XX/XXXX. This is a {$600.00} bill that I have already sent a check for inXX/XX/XXXX directly TO the company it was owed to. Im not sure why they never cashed it, I should have followed up, but was 6 months pregnant, working overnight, and taking care of my XXXX  year old during the day in between my XXXX XXXX shifts at the time. I received a call from XXXX, and played dumb about it. Never responded to another call again. She finally called this morning and I had just gotten my XXXX  month old back to sleep. I had been up since XXXX XXXX when I got home from work with both kids, and reached my breaking point. I called, told her my name, and said my account has already been sent to collections, there is no need for you to contact me further. XXXX went and left my father a SECOND voicemail. She called him TWO TIMES in a ROW from 2 different verified AMS numbers. This is harassment. I am XXXX years old, and do not rely on anyone for financial support other than myself. I am a single mother of XXXX children, and for her to call my father really makes me crazy. Its hostile, its harrassing, and its wasting his time while he is at work having to listen to a voicemail about nothing of his concern. 

The company this bill came from originally is called XXXX XXXX and XXXX in XXXX XXXX, CA, USA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: VA

Complaint narrative:
My school XXXX COLLEGE ( XXXX VA ) closed in XXXX, I have a withdraw date of XXXX I never completed the program it has been impossible for me to obtain any information from the school and I should have had my loan automatically discharged and it was not, I enrolled in XXXX and was completely unaware I still had this loan or that it has defaulted. My entire federal tax refund was offset due to this and has caused me and my XXXX children EXTREME HARDSHIP, I am facing EVICTION and losing my car. I have applied for borrowers defense due to school closer and requested IMMEDIATE return of offset due to extreme hardship. After providing all forms and documentation requested of me I am being told it could take up to 65 days to maybe get my money back. The HUGE problem with this is that I WOULD HAVE ALREADY BEEN EVICTED. The loan service is terrible! they have lost documents I have sent directly to them and the reps seem to have no idea what they are doing, I get different information every time i have called. If it had not been for me calling daily I would have missed the deadlines given due to their negligence. IT IS VERY CLEAR THIS DEBT IS NOT ENFORCEABLE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: MT

Complaint narrative:
XXXX XXXX Student Loan Servicing with SunTrust Bank was paid in full nine months ago when XXXX XXXX XXXX XXXX consolidated my loans. XXXX XXXX is reporting that it is paid in full. But XXXX XXXX is double reporting- again under XXXX XXXX Suntrust. This the same Parent Plus Loan. XXXX XXXX is only reporting the {$16000.00} paid in full. They don't mention the additional {$4600.00} in student loan interest they collected. I I do not own SunTrust but since XXXX XXXX got paid, SunTrust has begun reporting the account as Open and Delinquent. 

I called XXXX XXXX/ SunTrust , Recovery Default XXXX and XXXX   XXXX XXXX XXXX . Until they ran of resource to send pass me off to. All contracts state that there is no evidence of an account with them. Because I don't have one. But no one knew who is responsible to correct my credit report. 
However, I am getting turned down for credit. My bank states that I would have excellent credit if SunTrust would take the Delinquent Status off my credit report.

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 2019-03-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: AMCOL Systems, Inc.
State: DE

Complaint narrative:
I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been denied credit with a local XXXX XXXX because of a low credit score report from Equifax of XXXX. I tried to get the required free credit report from Equifax and only got the message that the report was " not available online ''. It is did give a reason why I could n not receive the report online so I called Equifax at XXXX and spoke to a supervisor named XXXX. She could not explain why I could not get the report online and could not give me anyone else to contact to get this resolved. I was able to pull my XXXX Report and it shows a score of XXXX. The reason I filed this report is that I have been denied my Equifax Report Online for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, 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