vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
I was under the notion that if had paid my debt it would get removed off my credit report but never did. Never got back to me after 3 weeks. I had contacted Contract Callers because I had a collections with them from back in XX/XX/XXXX. I had paid the full amount of {$160.00} in XX/XX/XXXX. I was fully coerced and under the impression into believing that if I had paid the full amount this collections would get removed off my credit report because they had made me to believe my credit score would be negatively impacted which it has. Contract Callers is in violation of the Fair Debt Collection Practices Act ( FDCPA ) using deceptive practices to lie that if I paid my debt it would be removed and be improve my credit score. However, it was never removed and when I had called Contract Callers, the gentlemen on the phone said they would look into the phone call that was made and stated that Contract Callers does not remove collection items on the credit report. However, they will request to the credit bureau to remove the collections account based off the phone call so the representative on the phone said he'll call me within 24-48 hours. Its been 3 weeks and i have never gotten a phone call, letter, or email from Contract Callers even though all my information is fully updated in their system. I had to call back contract callers again during my work hours and was put on hold for another 30 minutes and realizing they were scamming me into paying my collections knowing full well they would not even improve my credit score by having it removed even though they said it would. I have tried to XXXX other complaints made against Contract Callers and there were literally 100 's of other different complaints against this company through other various agencies. This issue must be solved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The debit thats reporting on my credit report I noticed I called and I was told I can pay the debt by the company set up payments. Days later I was told due to state laws and regulations a payment cant be accepted after I was told I can pay debt. Also I was told by the company they was working to get this account removed and so on and its been two years still hasnt been closed out.

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 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: ID

Complaint narrative:
I received a letter from North Shore Agency dated XX/XX/2018 claiming that they were collecting a debt for a creditor, XXXX  ( apparently a magazine ), for {$13.00}. I do not have a subscription to any such magazine and have not purchased anything from that company. Furthermore, through a web search I found that North Shore agency has received many similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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:
I'm noticing that my personal information and line of credit that is open has been open back before when I started establishing credit myself because back then I had someone else in control of my credit so I need to dispute and erase that off of my credit report because I did open any kind of line of credit on my credit report since I have been legally authorized to do it on my own. I had my first line of credit opened on XX/XX/XXXX my first credit report according to my credit wise account is saying that my first single my credit report inquiry that must done by me was on XX/XX/XXXX and my first line of credit got opened on XX/XX/XXXX by me and anything farther back from XX/XX/XXXX is not accurate information done by me on my credit report and I need to disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I opened amex gold credit card on XX/XX/XXXX when I saw they offering XXXX welcome bonus with XXXX purchase within first 3 months. After I spent more than XXXX using this card, I still didnt receive the reward. So I contacted them today, XX/XX/XXXX. they told me they canceled my welcome bonus and refused to give me a reason other than copying the terms, which none of them applys to me. I did not receive any form of notification about i am not going to receive the bonus. Therefore, I highly doubt whether they really want to reward their customers, or this is just a false advertising. I'm upside now because I have been their card member for years and now they are taking advantage of me and lying to me like this. I'm really disappointed with how they treat their customer and seeking helps from you. Thank you for any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I am writing to inform you that XXXX XXXX  XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
XXXX  XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
In XX/XX/XXXXI was informed that my father XXXX XXXX had a reverse mortgage from XXXX XXXX XXXX XXXX and then I received a letter from the above bank I since have dealt with 4 banks and 3 attorney 's and bankruptcy to finally fine a copy of my daddy 's original loan from XX/XX/XXXX. I was led to believe my father owed {>= $1,000,000} dollars when the bank only lent my father $ XXXX.XXXX XXXX was sold to XXXX XXXX XXXX and they were sold to XXXX XXXX now XXXX XXXX is the investor and XXXX is the Servicer who replaced XXXX XXXX in XXXX Tx. last summer I was in contact with XXXX   escalations department and able to establish a short sale where I could sale the house 3rd party to my daughter XXXX XXXX who is a XXXX XXXX with the XXXX XXXX XXXX XXXX district. My daughter signed all the disclosures only to find out the lender wanted gave her alone for {$390000.00} when the loan pay off was XXXX we ask XXXX  to allow us to find another lender. they agreed right before the holidays  to allow another broker. On XX/XX/XXXX. I found out the short sale letter expired and my realtor was out of the country in XXXX on an emergency plus the government shut down is not allowing me to contact hud to make them aware of all this confusion. I called XXXX XXXX and I have not received a response and my daughter who is XXXX is ready to close within 2 weeks on a house we have lived in 53 yrs. This house is our family home and I have a XXXXyr old aunt who lives with us we need help with this mortgage servicer asap. the bank wants to foreclose knowing we are closing on a loan with the government shut down there is a major conspiriacy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
https : //www.justice.gov/opa/pr/credit-suisse-agrees-pay-528-billion-connection-its-sale-residential-mortgage-backed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While SPS ( XXXX XXXX ) allowed me to modify my loan and defer in XX/XX/XXXX or XX/XX/2018 until the end of my note, they decided to later say I owed for escrow shortages to raise my rates to collect more money and completely negate the supposed method of deferment assistance. They may have said they are assisting the homeowner in order to receive credit for this lawsuit settlement, they have not been monitored since. They initially do the modifications or reliefs but later tack on additional fees and claim escrow shortages to put me and many other homeowners right back in the same position. I will also be filing and reporting fraud with the department of justice. They have decided to refer my loan to an attorney for foreclosure.  They say my loan is owned by XXXX XXXX XXXX XXXX, however the pool that my mortgage was sold in ( and a fraudulent mortgage assignment recorded in XXXX County One signature on my assignment, XXXX XXXX is listed only as manager but she has a different title and has notarized other homeowners assignments ) was recently referenced in a lawsuit by XXXX XXXX XXXX XXXX and was to be bought back by XXXX ( XXXX XXXX ) or XXXX/XXXX  due to XXXX/XXXX  XXXX lies and misrepresentation of mortgages in that pool. Its yet again proof that this company will spare no expense, even violate federal consumer protection laws to get what they want, a single mothers home where she has raised her children. They will pad their pockets and increase their gains anyway necessary even to the point of misleading homeowners and the federal government of their attempts to assist. 

It is a shame that this bank and company ( SPS who is owned by XXXX XXXX ) is allowed to mislead homeowners and put them in a bind to only take their homes after leaving them with so much debt that they couldnt refinance, sale, or achieve ultimate homeownership if they wanted to. They are a scam and lie and manipulate. I thought I had relief from them when I received a letter from another company but SPS continues to harass 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 2019-01-07 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: FL

Complaint narrative:
Dept of Ed/XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
US DEPARTMENT OF EDUCATION has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money! 
Thank you

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 2019-01-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Dept of Ed/Nelnet with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
The loan was disbursed on XX/XX/XXXX. I attended XXXX-XXXX in XXXX XXXX Missouri for a half of a semester. I dropped the classes when I realized that XXXX dollars for a four year degree from an unaccredited school was a rip off. XXXX-XXXX told me they were nationally accredited and credits should transfer anywhere. I later found out that a school had to be regionally accredited. I made payments of XXXX or XXXX $ for around a year. After my daughter had been born on XX/XX/XXXX I continued to make the XXXX $ payments for awhile. When I called to ask Navient ( Sallie Mae at that time ) if I could lower my payments the lady on the phone said that I could only place the loan into forbearance and the XXXX $ was the absolute minimum. I believe this was in XX/XX/XXXX. I know in either XX/XX/XXXX or XX/XX/XXXX I called to ask once again if I could have my payment lowered and once again I was told I could only have the loan placed into forbearance because XXXX $ was the absolute minimum payment they would accept. I was only making about XXXX $ a month working one weekend a month as a XXXX at that time.

Company response to consumer: Closed with explanation