vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. 
Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. 
Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. 

This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: VA

Complaint narrative:
I was contacted by Ameritech Financial about refinancing my student loans. I was told that if I paid {$200.00} a month I would have a considerable amount taken off the principal of my consolidated student debt. I went through the process on the phone and asked the representative if there were any further required actions in order to begin. I was told no. That I simply had to make the payments and my debt would be reduced. 

Weeks later I started receiving emails from Ameritech requiring further documentation to continue receiving their services. This had not been disclosed at the time I signed up but money was already being taken out of my account for several monthly pay periods. 

There was no phone number provided to contact someone at Ameritech for explanation of the further information needed. Ive still been receiving the same email every week for the past year or two. 

I feel that Ameritech stole hundreds of dollars from me.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: VA

Complaint narrative:
SoFi failed to let me know why they denied my loan refinance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F&M Capital LLC
State: AZ

Complaint narrative:
I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( Experian  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-Experian : XXXX XXXX : XXXX ) XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX   Experian : (  XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX Experian : XXXX. XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX/XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX/XXXX ( XXXX  : XXXX Experian : 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 2018-08-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. In a letter dated XX/XX/XXXX, I requested XXXX XXXX , XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to Equifax and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/XXXX. Thus, XXXX 's 30 day deadline was XX/XX/XXXX. 2. I obtained a copy of my Equifax, XXXX, and XXXX credit reports on XX/XX/XXXX, well after XXXX 's deadline of XX/XX/XXXX. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than JXX/XX/XXXX. 
3. In a letter dated XX/XX/XXXX, I notified XXXX that it had not placed a notice of dispute on my Equifax, XXXX, and XXXX   credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 
4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: LEXISNEXIS
State: DE

Complaint narrative:
LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. 

I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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:
All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was denied for a loan modification by Wells Fargo. It took them months of back and forth until they finally made a decision to deny my loan modification. It is an FHA backed loan. They didn't give me a reason, state that I have {$0.00} in income after I provided paystub upon pay stub. I provided bank statements, tax returns. I asked on numerous occasions if there was anything else they needed from me. My home preservation specialist told me on several occasions that based on what he looked like all looked well and they would find something for me to qualify for. Towards the end of the process I emailed and called my specialist and they fell radio silent on me. Then I had to involve someone else who had to tell me over the phone that I didn't qualify and they couldn't tell me why. Now I am appealing however I think there is something shady going on with this. I am incredibly upset and am thinking of going public with this considering Wells Fargo is already in trouble for doing such nonsense to their consumers.

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 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
They have not removed the disputed balance from my account they have tons of evidence to support the claim. Im not suppose to be charged anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WI

Complaint narrative:
I have been trying for the past several days to open an savings CD account with XXXX XXXX XXXX. They have repeatedly refused to allow me to puchase a 12 month CD at their advertised rate, citing " internal controls, '' but providing no specific reason. After numerous telphone conversations, they have maintained that position. I don't know if they are engaged in some kind of bait and switch, or other type of scam, but based on reviews, they appear to be doing this to others too.

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 2018-08-29 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-XXXX  : XXXX Transunion : XXXX ) XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX   XXXX : ( XXXX Transunion : XXXX ) XXXX XXXX XXXX : XXXX XXXX : Transunion. XXXX ( XXXX  : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX XXXX : XXXX Transunlon. XXXX XXXX XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : 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 2018-08-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX  XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX : XXXX XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX  XXXX XXXX   XXXX  : ( XXXX XXXX : XXXX ) XXXX XXXX Equifax : XXXX XXXX : XXXX. XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( Equifax : XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX/XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
so since the lawsuit on XXXX owners of XXXX. XXXX that controlled the XXXX and campus student lending loans promised if the loans were disbanned i would be payed back what i payed in. now that the loans were settled in court and the loans were dropped there not paying me back a dime. so in basically if i would of ingnored them from day one of the lawsuit i would of not had to pay a dime. 2nd i dont know why the accounts werent put on hold till the investigation done in the first place with illegal action done on the accounts. so i basically payed off almost all the accounts. campus student lending account paid in full balboa had 2 grand left when the accounts were disbanned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CO

Complaint narrative:
We are attempting to get a refinance on our house to pay off a higher-interest mortgage and perform some home improvements. We chose XXXX, part of XXXX. 

We are approaching the THIRD time we have had to sign papers because of constant blundering by XXXX. 

First it was because, even though the waiting period of 3 years from a " deed in lieu of foreclosure '' on our previous house, for some reason it was not recorded for a month and XXXX had not even checked, delaying our signing a month, but they didnt notify us until AFTER we had done the first signing and were expecting the cash out from our refinance. THEN they told us, AGAIN after signing and on the day we were expecting the wired funds from the cash out, that with an FHA loan no extra cash could be taken out. 

AREN'T THEY SUPPOSED TO ALREADY KNOW THESE THINGS? 

Now, after signing TWICE they are requiring proof of my latest pay raise, after which I'm led to believe the loan will have to go back to the underwriters for approval ... which will require ANOTHER signing! 

These people are incompetent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
I was contacted by Ameritech in XX/XX/XXXX. They explained that they were affiliated with the federal government relief program for people who are struggling to repay their student loans. They continued to state that I could pay a lower payment for a specific amount of time and my debt would be relieved by the government. Ameritech sent paperwork giving them permission to communicate with my loan lender XXXX, my income, household size, and the terms of my loan. They clearly stated, that the money would go toward my student loan. Ameritech set up an automatic payment from my bank account on the XXXX of each month for the past 27 months. When I contacted XXXX they discussed with me that they had NOT received any of my monthly payments. The payment of $ XXXX/month that I was led to believe was being received to my loan provider XXXX was not the case. When I contacted Ameritech after receiving a letter from the trade commissioner they revealed that in fact, the money I was paying was for their services and not my student loan. At that point, I contacted and closed my " account '' with Ameritech. I also spoke to XXXX and changed all of my contact information as such to eliminate any more wrong doings with my student loan so Ameritech would no longer be able to access my account. I payed Ameritech for 27 months totaling {$2700.00}. XXXX did not receive any payments toward my student loan from XX/XX/XXXX through XX/XX/XXXX. I feel that I was deceived by Ameritech and I would like restitution for the money I paid them.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: TX

Complaint narrative:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review Transunion and XXXX not able to access their website. 

Thanks in advance for any assistance you can provide.

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 2018-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to Equifax- the fraudulent loan remains on the Equifax credit report. 

At this point I am unable to review XXXX and XXXX- not able to access their website. 

Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation