vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: ID

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I Want to fix this solution of me being a victim of identify theft. I cant understand the system in Florida in how the government is allowing these thieves to steal people identity and all its doing is destroying are lives. I want a stop to this. I refuse to be a victim of indemnity theft

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 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Apparently when i initially got the loan in XXXX it was a bi-weekly payment of {$19.00}. That first payment was declined and i was never made aware because it was an account i was no longer using. But afterwards every payment was made on time. It was a {$500.00} loan, which was not scheduled to be paid in full until next year. I was in the process of buying a house and my lender advised me to pay this loan off. I paid it off in XXXX. On my credit report it was reporting every payment on time since i got the loan. Every time i called for questions i was never made aware i had a missing payment. Once i paid off the loan they backdated everything and THEN reported me as 30 days late. This caused me to be denied for a loan due to a recent 30 day late. I am wanting this removed as no representative made me aware i was 30 days behind the entire time of the loan. And i feel this is extremely poor business practice. You can see that every payment was made afterwards. Had i known this i would have made the payment. I attempted to speak to Moneylion about this and i get the run around saying to contact the credit bureaus. But i already disputed it and they will not fix it. If this can be fixed i can buy a house. At the time the way it is showing i will need to wait a year from the late payment to buy a home and this is highly unfair. Why would they report me being on time the entire time but THEN report me late AFTER i paid the loan off ... ... ... .. this seems highly fishy ... ... ... ... Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
WHEN CHECKING ON A NEW ISSUE [ XXXX XXXX XXXX XXXX ] TRANSFERS I CAME ACROSS ANOTHER FROM XX/XX/XXXX [ SUNTRUST ] ... THEY STATED THAT THEY HAD INDEED CLOSED MY ACCOUNTS AND REFUNDED MY FUNDS .... SADLY [ ..AS I JUST DISCOVERED TODAY XX/XX/XXXX ]. i HAVE NEVER RECEIVED THOSE FUNDS FROM SUNTRUST ... WHAT HAPPENED TO THEM! I NEVER RECEIVED NOTIFICATION FROM THEM VIA E/M OR USP MAIL THAT THEY WERE REFUNDING MY FUNDS THEY STILL HAD. WHAT HAPPENED TO THOSE FUNDS. ... IS IT TOO LATE [ TIME LIMITATIONS ] TO EVEN REQUEST INFORMATION OR CONFIRMATION ... I ( XXXX XXXX NOR MY DAUGHTER XXXX. XXXX ] HAVE EVER RECEIVED THOSE FUNDS. SHOULD SUNTRUST SHOW PROOF ... CHECKS WERE NEVER RECEIVED NOR CASHED! 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 2019-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Father Co-signed onto my student loans with Wells Fargo in XX/XX/XXXX, but was demoted with the IRS soon afterwards. My student loans went into repayment in XX/XX/XXXX and he was unable to assist me paying the loan, and I hadnt found a job out of college yet. We tried to consolidate and get a lower modified payment and they denied us both options siting high income between the both of us. I do not think they took into account we both have bills like vehicles and credit cards to pay off also. Plus my father accumulated legal fees fighting his demotion with the IRS. I believe Wells Fargo is denying us any reasonable payments to the student loans. I currently pay XXXX $ monthly on a XXXX $ a year income ( before taxes ) I have federal student loans also and a auto loan and credit cards. I need some relief on the XXXX before my credit is ruined.

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 2019-07-03 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: FL

Complaint narrative:
I WANT TO FIX THIS SOLUTION OF ME BEING A VICTIM OF IDENTIFY THEFT I CANT UNDERSTAND THE SYSTEM IN FLORIDA IN HOW THE GOVERNMENT IS ALLOWING THESE THIEVES TO STEAL PEOPLE IDENTITY AND ALL ITS DOING IS DESTROYING ARE LIVES. I REFUSE TO BE A VICTIM OF IDENTITY THEFT

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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo ( XXXX ) in XX/XX/XXXX informing them I would pay my own California Supplemental taxes. I informed them I did not want XXXX to pay them because it would cause a shortage in my escrow account. They then instructed me that it would not cause a shortage and that they would pay it with my escrow funds. In XX/XX/XXXX it did indeed cause a large shortage just as I predicted to them and it was the exact amount of my taxes I intended to pay in XXXX. {$1900.00}. Then my mortgage would increase to help pay these the following year even though I proved to them California only charges these in the first year of homeownership. I called them the same day I received their new bill and told them this should not have happened because I was told by their own service team it would not occur. They told me they would fix it and my mortgage would return to my normal amount which was {$300.00} less than what they were trying to charge. Then a week later and they send a new bill which was {$500.00} higher than my original bill. I called again and now months have gone by without any real response. Just responses saying they are working on it. I paid my new XXXX bill that they pulled a number from thin air and now my XXXX bill is even higher than my XXXX bill that they said would be lowered. I have talked to numerous people and none of them can figure out how my bill is calculated. They come up with numbers then ask me to come up with a bill that I think I should pay. I never realized a bank could be so inept at figuring out a fixed mortgage bill.

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 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: APEX Asset Management, LLC
State: DE

Complaint narrative:
THERE IS A XXXX XXXX XXXX WHO IS REPRESENTING THE ORIGINAL CREDITOR XXXX XXXX  THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS XXXX XXXX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN APEX ASSET MANAGEMENT ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was offered a trial modification by Caliber Home Loans and have made my trial payments within the month, as I am suppose to. However, my May payment was never posted, and I immediately contacted Caliber and requested my Payment to be processed. They agreed and my payment was processed. In XXXX I sent my Payment in, as instructed, and it has not been processed. I attempted to make the payment through the automated payment, but it would give me an error message and I was unable to successfully process my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XXXX, I received after the fact, a writ for wage garnishment that had been filed in XXXX filed by XXXX XXXX offices on behalf of Midland Funding. Prior to this I had sent debt validation letters to each entity and also issuing a correct address in which to contact me. There was no positive response to either. The writ arrived with an incorrect, uncurrent address and I was never properly notified of who the originator of the debt was, the nature of the debt which is in excess of XXXX. Neither could I find the writ in any public records. Neither could I find a lawyer willing to represent the matter and it was not on my credit report going back as I can remember which is XXXX or thereabouts, to the present. Again, I never received proper notification I was being sued by a junk debt collector nor did I ever receive any documentation about the nature of the debt purchase, how much was the debt was purchased for, or any specific information concerning the original debt. After all this time I suspect if there is anything legitimate about this claimed debt it is well beyond expiry. In spite of this I didn't have any wages garnished until recently, starting in XXXX of XXXX. I had to request a copy of the writ from my payroll department. Same amount claimed, in excess of XXXX plus interest, wrong address but updated to reflect a XXXX date. The summary of garnishment and the proof of service is blank and the writ so illegible as to be nearly unreadable so I can not scan a copy and upload it to you. As of this time, I have not found a lawyer, even those claiming to specialize in such matters, to represent me although I have contacted dozens over the years. I am now forced to file bankruptcy for lack of proper legal representation but I have no creditor to present to the court because I can not get any information concerning this debt from XXXX Law or Midland Funding who will not send any information on the debt that Midland purchased, but instead sends notifications of writs, after the fact to any old address which is in violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am currently receiving government assistance food benefits, health insurance, and cash benefits. Navient will not allow me to go into forbearance since I have used that all up. And they will not allow me to lower my payments below $ XXXX under the rate reduction program. I am currently unemployed and have no income coming in at the present moment. I spoke with Navient on two different occasions and only on the second try did they even offer rate reduction payment program. They were able to lower my monthly payments, however, I am still unable to afford the $ XXXX they offered me. I am currently XXXX, XXXX   belly a lot, and its been hard finding a job in recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the XXXX  different credit bureaus. Twice Mercedes Benz Financial Services ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX, upon my disputes in XXXX and XX/XX/XXXX, XXXX has marked my credit report with a payment status for XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Customer Service Misleading Info Citizen Bank XXXX MA / Customer Service Misleading Info XXXX XXXX XXXX XXXX I recently opened a bank account and I am awaiting to deposit my retro lump sum in my account. However a one time {$7.00} overdraft is costing me hundreds of dollar now to oay bank. 
I was told when I opened this account there is a one time fee of {$35.00}. per month. 
My accouny is charged {$35.00}. every three days. How can I pay this when I am being charged all these overdraft fees???? 
I am pending my XXXX and I have no income. I am trying every week to deposit funds but the overdrafts is excessive. 
PLEASE CONTACT ME BEFORE I GO TO, XXXX, FDIC, FEDS AND CONGRESS. I am  kindly reaching out firstly for assistance. 
Thank You. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
THERE IS A CAINE & WEINER WHO IS REPRESENTING THE ORIGINAL CREDITOR PROGRESSIVE INSURANCE THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS P.O BOX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN XXXX   XXXX XXXX  ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: VI

Complaint narrative:
XXXX removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through XXXX and that there is no authorization from the account owner, as there is no signature. * The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. We have spoken to the customer and they have indicated that there was never a fraudulent claim made, nor was there a request for funds to be returned. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax to ensure compliance on 2 items on my credit report. On XX/XX/XXXX I sent a dispute to Equifax for an error of an item reporting as two different companies and as a past due balance on a collection account in which a collection can not also be past due. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Equifax in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating all 4 items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: NJ

Complaint narrative:
To Whom It May Concern : However, there are some confusion in Equifax which currently affecting my credit report. Please make any necessary modification on my record as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reports on my credit report that I owe them a balance of {$3500.00} and I'm paying {$30.00} per month and this is not true. I ask to dispute with Trans Union and they contacted the company and they say it's mine. It isn't mine and I want it taken off my credit report. 

I don't have any documents because it's not mine.

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 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX upon my disputes in XX/XX/XXXXand XX/XX/XXXX, XXXX has marked my credit report with a payment status for XX/XX/XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.

Company response to consumer: Closed with explanation