vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I have been paying online to XXXX XXXX XXXX XXXX for 2 years. My balance was {$890.00} it is now {$210.00}. My payment history shows I have established ongoing payments for over 2 years. 

I was turned over to collections. It was reported XX/XX/2018 It has negatively impacted my credit and it is very alarming to us who are struggling to make ends meet and want to pay our debt. Why would a company do this? 

They call constantly call me and I tell them I am paying and have been paying every month. 
I got to where I just hung up on them when they called. I can't pay anymore than what I am doing. Why can't they just leave me alone. The money they waste calling me is not smart. They can see if they do nothing they are going to get the balance paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.

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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent to XXXX  and XXXX  copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX  3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes Trans Union in this complaint on the inquiries.

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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent to Experian and XXXX copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.

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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collection Servicrs Inc. placed a debt on my credit without sending me any prior notification of my right to dispute this debt as required by law. I have no knowledge of this account and this debt is not owed. I don't have a contract with XXXX or Amsher Collection Services Inc. I disputed this debt with XXXX  and it was removed then place on my XXXX and XXXX credit report again without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: NV

Complaint narrative:
On XX/XX/XXXX an account that I had with my credit union was paid in full. 
Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately. 
I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX. 
I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report. 
I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: NV

Complaint narrative:
On XX/XX/XXXX an account that I had with my credit union was paid in full.

Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately.

I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX.

I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report.

I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back inXX/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 non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I went on Wells Fargo 's website on XX/XX/XXXX and paid my student loan. I received a credit monitoring alert saying my payment was 30 days late and my credit report was lowered by nearly 60 points. I called Wells Fargo to see what was going on, they opened an investigation. They called back saying they had no record of the login or payment. I paid last month 's bill and this month 's as soon as I saw what had happened. I asked them as a courtesy to forgive this late payment as I have always paid my bills and I am in the process of getting a home loan and I don't want their error to impact that, they said there was nothing they could do and they see it as my error. I never received a phone call, email or letter informing me that the payment was late so I had no concern that the payment was made. 
I have had this loan through them for almost 8 years and I find it ridiculous that given my situation with the home loan and the fact it was their system error that they would not help me out and rescind the negative mark.

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 2018-04-13 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: On-Site Manager, Inc.
State: CA

Complaint narrative:
I recently applied to an apartment complex and they used a company called On-site run my credit report. To my surprise i was denied due to incorrect information on my file. After further investigation with XXXX, they stated that my report was never ran and that On-site has mixed my file up with another persons file. On-site Claims the information is from XXXX, XXXX States that none of the information provided to me by Onsite is on my credit report. On-site refuses to remove that item or investigate that item and that they tell me that i have to go to the court house to get some document about another person who is not me to have state that on the court letter head or docs. That's impossible for me to get something that doesn't belong to me. I have been fighting with their so called supervisor and he tells me their nothing he can do and that item will remain on my file. I told him that the burden of proof doesn't fall on me and as a credit reporting agency they have to validate the debt by verifying my social security number, date of birth and drivers license number. None of which is on that judgement they claim to have on me. Another thing is the rep kept asking me if my social ended in XXXX and i told them a hundred times, that is not mine. They have corrupted my file and are mixing my report up with another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We recently paid down the principle balance due on our HELOC in order to lower our monthly payment amount. When we could not obtain an accurate payment amount on the LOANCARE website, I called their customer service.

I placed three phone calls to the company.

1 ) ( XX/XX/XXXX ) - Reached a LOANCARE representative who stated I would be contacted by XX/XX/XXXX to gather information to " recast '' the loan.

2 ) (XX/XX/XXXX ) - No call ever came. I called LOANCARE again. The representative stated that the loan could not be recast because it was a variable rate, but that my payment amount would be recalculated on the new principle balance of {$60000.00}, loan due date of XX/XX/XXXX, and it would appear so in my next statement.

3 ) (XX/XX/XXXX ) - Received the HELOC statement and noticed that the loan had been recast by accelerating the contract due date to XX/XX/XXXX.

4 ) ( XX/XX/XXXX ) - Called LOANCARE. Representative told me that provision # 10 in the attached HELOC agreement, " allowed LOANCARE to make changes that unequivocally benefit you. '' LOANCARE has without contractual basis or cause, accelerated the loan term thereby materially violating the contract.

There is ABSOLUTELY no " unequivocal benefit '' to us to have the loan repayment terms accelerated.

1 ) The loan maturity or due date is XX/XX/XXXX, approximately 9 years from now.

2 ) The HELOC was sold to us as a 20 year home equity loan.

3 ) There is no acceleration clause in the contract.

4 ) The purpose of paying down the principle was to reduce our payment and we relied on the repayment terms of the contract maturity date.

5 ) Acceleration of the repayment period solely benefits the mortgagee.

6 ) It is pure fiction that we ( the mortgagor ) derive some " unequivocal benefit '' by having the repayment period accelerated.

7 ) Contrary to what LOANCARE representatives stated to me on the phone, LOANCARE can recast the variable rate HELOC and in fact has by recasting our HELOC maturity date to XX/XX/XXXX from 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 2018-04-13 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: NY

Complaint narrative:
After a recent pull of my consumer reports, I noticed the furnishing of inaccurate information on accounts damaging my credit score. After I disputed with the credit agency to my surprised it was verified as accurate. However one glance at what is being reported one will notice it is clearly not accurate. Charge off dates do not align, failed to pay on one bureau, paid on time on another.

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 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account. 

Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state. 

Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it. 

One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.

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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Synovus Bank
State: FL

Complaint narrative:
Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have  an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX. IA XXXX Subject : Request for specific documents Loan re : XXXX or XXXX Attention : Administration and all inclusive parties involved It recently came to my factual attention that you have a confidential internal data base including relevant information pertaining to the loan and activities evolving during the currency from the origination of the loan until the day you sold the loan at a significant discount to XXXX on or about XX/XX/XXXX. I am requesting all hidden and existing documents with my name on it and in reliance to my person. 

Further it as also came to my attention that the l Loss Prevention Line of Business Referrals unfairly shifted losses caused by fraud to Wells Fargos own customers, many of whom had been victims of identity theft and unauthorized transactions. 


Well Fargos illegal failure to properly investigate reports of fraud and Wells Fargos illegal behavior in wrongfully closing customer accounts. Wells Fargos behavior violated various regulations and laws, including ORS 646.607, ORS 646.608, the Consumer Financial Protection Act, the Dodd-Frank Act, and 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices. 
Please be advised that I have also been a victim of Identity Theft reference year was XX/XX/XXXX. 

Sincerely : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: NY

Complaint narrative:
After a recent pull of my consumer reports I noticed the furnishing of inaccurate information being reported that is damaging my credit score tremendously. After I disputed it, the information came back verified. However one look at the supporting documents clearly show it is not accurate. I also disputed with the furnishing company but to no avail.

This is a junk debt buyer who is furnishing a 1 month term even though I have no agreement with them. They are also reporting failed to pay every single month in an attempt to damage my credit, even though I've never agreed to pay them anything. They are also reporting a past due balance which a junk debt buyer can not do. A collection should be reporting as such. The account statues also states closed on two reports and open on another. It is the furnisher and consumer agency who is responsible for reporting accurate information.

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 2018-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from Equifax stating that my information was accessed in the Equifax Breach. I have 3 inquiries on my credit report with Equifax that I didn't authorize. They are the following : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX and XX/XX/XXXX ).

Company response to consumer: Closed with explanation