vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 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 — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I bought a truck financed it through westlake financial there were suppose to report it to my credit every 30 days and never did.I have paid off and still isn't on my credit.I was first asked to send in copy of marriage license ehich i did and then i was asked to send in copy of my drivers license and i did.Now they just offer to send me a letter saying my account is paid un full.Which still isn't going to help my credit score! Last time i spoke with them i was told i have to contact the credit bureau and have it put on there but how thats there responsibility!! Please help get this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: PA

Complaint narrative:
Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: PA

Complaint narrative:
Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I am responding to New American Funding and to XXXX XXXX XXXX, XXXX XXXX, Loan Administration. Unfortunately, New American Funding and XXXX XXXX claim is INCORRECT and the explanation provided has latent factors that are awry. Aforementioned in my original complaint filed on XX/XX/XXXX, aligns with the latest filing on XX/XX/XXXX. The request for PMI removal had required list of criteria that is outlined under the Homeowners Protection Act of XX/XX/XXXX. Those specific factors have been met and qualify for PMI removal. In addition, New American Funding requested a FORMAL WRITTEN REQUEST FOR PMI REMOVAL as I conterminously complied. However, New American Funding back trailed and asked to repeat considerations that had been acquired from the beginning. IN FACT, I have complied with those ALL steps for removing PMI. FIRST, XXXX XXXX failed to mention that during the process of New American Funding obtaining an Appraiser the Appraiser FAILED TO COMPLY with all property appraisal requirements and therefore, left out much preeminent factors to fairly appraise my property. FURTHERMORE, I find it peculiar that New American Funding chooses their own Appraiser and/or an Appraiser rather than selecting a third party that is conterminous with ALL PARTIES INVOLVED and remains a neutral disposition! Albeit, my property DID NOT HAVE A FAIR AND LEGAL ASSESSMENT as THEIR APPRAISER, New American Funding and XXXX XXXX FAILED TO RECOGNIZE the UPGRADES OF MY PROPERTY that would have CLEARLY met ALL REQUIREMENTS AT THE TIME. When I originally performed a public, market analysis of the property in XX/XX/XXXX, property value significantly increase to over 22 % and from XX/XX/XXXX. As the market value fluctuates, overall the home prices are increasing in valuation that impacts the specific criteria requirements. SECONDLY, in my original complaint with New American Funding I had proven that New American Funding had intentionally made delays for what appeared to be ulterior motives thereof. As with any considerations to PMI removal, the Homeowners Protection Act of XX/XX/XXXX recognizes fluctuations within the market in general. With that said, during the request for the removal of PMI and its process requires dedicated timelines outlined under the Homeowners Protection Act of XX/XX/XXXX. HENCE, from the beginning and as I ingeminate once again, in an effort to conterminously operate on a FAIR AND NEUTRAL ground, I am asking that I choose a third party to represent a choice in selection of a certified, licensed Property Appraiser to perform and conduct a fair assessment valuation for consideration of this matter thereof and, hereof! Since my request, it appears that New American Funding is failing to GRANT any parity and work together conterminously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I signed up for Experian to check my credit score and Experian charged me {$1.00} for a week trial. I have called the 4 phone numbers on their website and am unable to cancel by phone, am not given the option, told that I am enrolled in a FREE ( it was not free ) membership and to refer to the online website ( which is absolutely no help ). I need to cancel the membership before my week-long trial ends ( XX/XX/2018 ) and I am charged even more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: CA

Complaint narrative:
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
I was paid by my employer on XX/XX/XXXX, on XX/XX/XXXX my bank account was drained by a Garnishment for a Civil Judgement I had no idea even exsisted. They sued me for a account that was supposadly opened in my name in XX/XX/XXXX. I was XXXX at that time, I didnt have anything in my name. They filed this suit in XX/XX/XXXX. I have NEVER received a summons for court, I have NEVER received a notice stating there was a garnishment or my right to appeal the garnishment. I have never been served. I was completely unaware of this debt until my bank told me today. about a month ago I started getting calls threatenting me about a Law Suit, they were even calling my parents, grandparents, and minor child threatening that I need to get an attorney and call them to prevent jail time. When I called they could never give me any information and stated they were unable to find record of a debt. So I reported it to the Consumer protection website because they couldnt give me any information so I figured it was a scam. I dont know if that was in relation to this or not. But this court case began 11 years ago, from a debt that was wayy older and that I dont even know about because I was a minor. Now I have no money, I have XXXX kids, I care for my father who is batteling XXXX  XXXX XXXX XXXX, and I was just diagnosed 2 months ago with a XXXX XXXX  XXXX ( XXXX XXXX ), I couldnt even pay my rent, or get gas in my car or food for my kids or get my prescriptions which my life depends on!! If i would have know about this judgement I would have taken care of this a long time ago, I would not avoid a court order. I didnt even know you were able to access court records online until today! Is there anything I can do to fight this? or to get my money back? I am DESPERATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: GA

Complaint narrative:
This inaccurate entry on my report is illegally reporting and does not belong to me. Equifax is not providing any identifiable information on who this company is nor are they providing any contact information so that I may attempt to communicate with the company to dispute the inaccuracies of these 4 entries. REMOVE THESE ENTRIES IMMEDIATELY AS EQUIFAX IS VIOLATING MY CONSUMER RIGHTS. I have no recollection of ever owing these alleged debts. If Equifax were following the mandates of the FCRA and ACA, then the company would be identifiable and the company would be able to provide proof of all HIPPA information whereby I gave the alleged medical company permission to allegedly share my information with the collection company as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter this company should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, they are unknown, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt as well as provide a dunning letter to me informing me that they were attempting to collect a debt on behalf of whoever the original company/creditors. To date, I have received nothing.

DELETE THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
On Tuesday, XX/XX/XXXX I mailed my XX/XX/XXXX payment via Standard delivery. The payment was not credited to my mortgage account until Thursday XX/XX/XXXX, 9 business days after it was mailed. As a result, PennyMac is reporting my Mortgage account as 30 days late for the XX/XX/XXXX payment. Per the United States Postal Service website, average time for First Class and Standard delivery is 1-3 days. I have spoken to a PennyMac representative several times - onc e in XX/XX/XXXX and several times in XX/XX/XXXX, disputing their reporting of my mortgage account. They refuse to take responsibility for the delay in posting my payment, and continue to place the blame on the United States Postal Service for the delay. I have never been reported as late on my payment, and have previously mailed my payment the last week of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC
State: KS

Complaint narrative:
I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for XXXX XXXX. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.

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 2018-02-05 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
The following is copied from the email I sent to Navient : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from Navient. I need Navient to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what Navient is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time Navient messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the XXXX XXXX XXXX to file yet another complaint against Navient! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: NY

Complaint narrative:
I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Don't anything about this debt from XXXX. Have not received notice about debt at anytime, so I could had a chance to disputed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.

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