vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This account is a result of an identity theft. This account does not belong to me and it is affecting my credit score

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 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
My younger sons email account was hacked by a person who has stalked and harassed me and my sons for the last three years. My sons email has been banned and he isn't able to use his account. Her name is XXXX XXXX XXXX and has hacked into all if our XXXX accounts using my direct express debit card. All of our passwords and debit card info is in my XXXX account. These unauthorized purchases have been made in the last 4 months. They were to XXXX XXXX, XXXX XXXX, and XXXX XXXX,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
CONVERGENT OUTSOURCING, INC. wrote says it took off my acct, still is on my cr bur acct

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have try to get my free credit report from Equifax and XXXX   but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: D2 Management LLC
State: VA

Complaint narrative:
I received a call from a women who asked me for my social security number and name. I said I did not feel comfortable telling her that information and then she told me my social and that I owed on a payday loan from 3-4 years ago. I said I do not recall that and she tried verifying my employment with a company I worked with 4-5 years prior. I said I do not work there and then she told me my bank account information. Once she gave that information I figured well I must owe and agreed to pay XXXX every XXXX of the month. The first payment was deducted on XX/XX/2019. I received a call today from a women and she started verifying employment of my old job XXXX ( again I have not worked there for 4-5 years ) after I gave her all my updated information. I was on a conference call when she called and asked if I can call her back because I was on the phone. She was still talking so I hung up, she called back 2 more times and I declined the call, again I was on a conference call. Then my receptionist came back to my area and asked if I was on the phone I told him yes. The receptionist said he had a very irate client on the call. Based on my work ethic my program director was not on the call and offered to take the call and assist the client. Once she got on the phone she said a women was asking where is XXXX put XXXX on the phone. My program director said she is on a call she can have me call her back or she can assist her. The women said put her manager on the phone. My director said she was in the same meeting I was in and again that she can assist her. She then persisted to speak with someone in HR. Then my director said ma'am they are not available I can assist you and then the women hung up. Once I was done with my call I got the phone number from the receptionist and called them back. I spoke with XXXX XXXX who spoke to me in such a manner that was disgusting and I've never been spoken to that way. He went on to tell me that I work at XXXX XXXX and that I am stupid because I can't pay my bills on time. I can't afford a lawyer because I can not pay XXXX dollars. I told him to never contact my place of business again and he said he is going to do whatever he wants. He was cussing and everything, I asked to speak with a manager and he said he was the manager. I came back upstairs and there were 3 more calls from the company. I am going to file a lawsuit with this company as this is completely unacceptable nor will I be treated like this by some scam company who only requires a high school diploma. I am so livid that a company would contact my place of business and harass myself and colleagues. The phone numbers they reached out to me were XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, We purchased two mattresses from XXXX XXXX and they placed the Financing through American First Finance. Shortly after the Mattresses were delivered we moved my Mom to a home. We contacted XXXX XXXX over 25 times to return the mattress. No one contacted us back. We walked into XXXX XXXX to get assistance. They said that American First Finance had to arrange for the mattress to be returned. This going around in circles went on for two months. Then AFF said they don't take returns, They said XXXX XXXX had to pick up the mattress. We were paying {$70.00} week to AFF. We stopped making payments to get someone to help us. We finally got a Lady to help us. It took from XX/XX/XXXX until the very end of XX/XX/XXXX to get help. It took 30 days for them to find someone to come and get the mattress. They advised we had to donate the mattress and they arranged everything. The Company came and picked up the mattress. We called the day the mattress was picked up. They said they were working with the finance department to see what could be done. In the mean time they put this on my Husbands credit report as a delinquent account after they have financially XXXX us. We paid them {$1200.00} so far and they will settle the account for {$450.00}. The mattress we kept was {$990.00}. I have 100 hours on calls trying to get resolution. This is highway robbery and financial XXXX. 6 months of pure XXXX. The two mattresses were {$1900.00}. We returned one and they are still charging us {$1600.00} for one mattress and 6 months of XXXX plus they damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2019, I opened a checking account XXXX with Wells Fargo bank based on its online offer " Set up direct deposit and receive a cumulative monthly total of {$3000.00} in qualifying direct deposits into your new account for 3 consecutive months. '' And then " Your {$400.00} bonus will be deposited into your new Everyday Checking account within 45 days after eligibility and bonus requirements have been met. '' I called its customer care on XX/XX/2019 ( Ms. XXXX ), XX/XX/2019, XX/XX/2019 ( Ms. XXXX, Ms. XXXX ). They confirmed that 1. The {$3000.00} is the total of 3 consecutive months, not each month ; 2. The 3 deposits of {$500.00}, {$500.00}, {$2000.00} made on my account are qualified direct deposits ; 3. The requirement for the bonus was met and I would receive the {$400.00} bonus in XXXX of 2019. 
However, on XX/XX/2019, Wells Fargo said that the requirement is not met and hence no bonus. 

( The names of the above representatives is not accurate as they were my guess based on phone voice heard. However, as they said that all calls are recorded, the voice recording can be used to verify that what I said above is true )

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business  hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax XXXX XXXX and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX CR partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
The first problem is back in XXXX the XXXX of XXXX I reached out to the Discover Bank and informed them of my identity thief. A credit card in the account of {$810.00} had been opened back in XXXX and closed in XXXX. I informed them that I was away at college those years and that it wasn't me that opened the accounts. I also let them know that the address associated with the card wasn't mine either. So because the criminal had access to my social and date of birth, making it seem like the account was truly mine, the company refused to take it off. Again in XXXX of XXXX and XXXX of XXXX I again informed Discover Bank that the account still isn't mine and refuses to help me with this issue. My second problem is that not only have they not assisted me with this issue but the added the fraudulent account onto my credit report as if it's a brand new negative account, damaging my credit score even more. This company is extremely rude and insensitive. I did not open this account or use this card and I need it gone. I can provide proof that I was away for school the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX; XXXX and Transunion a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX   ; Experian and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I need a insurance check endorsed. mr. cooper staff hang up on me when I request information on the address to send the check to. I have spent over 6 hours on hold and at least 10 different call regarding the same issue. mr cooper has also lost 3 checks that I have sent with there self addressed envelopes. mr cooper staff told me that the only way they could stop loosing my checks is to set up a auto pay from my checking account. I told them I was not interested. They said they would continue to loosing checks and make my account late in tell I set up auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive sent numerous letters and they refused to investigate the errors and inacuracies. Per the fair reporting credit act they are supposed to investigate and resolve any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have try to get my free credit report from XXXX and Transunion but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.

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 2019-09-05 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: MI

Complaint narrative:
I have been making payment on a student loan that I have with Navient starting XX/XX/2012 - active /still paying {$270.00}, which was set up by their loan advocacy representative, after talking to several representatives none of them never told me that the payment was going toward interest on the loan which the loan is {$39000.00} and that it a temporary low payment, now I have reach my limit on how many times they would lower the payment, which is going to make the payment now {$440.00}. I am XXXX years old retired I have tried working several jobs part time 20 hours a week, but due to standing and sitting issue I have with body, make its very difficult and painful for me, because I have a XXXX injury and XXXX in both feet, knee and hand, the only income I have is social security retirement in the amount of XXXX a month, they send me a form to completed by doctor saying I am XXXX, my doctor refuse to complete the form because they didnt take me off work and I am not receiving XXXX benefits. I did talking to a advocacy and tried to get them to lower the payment or let it stay at {$270.00} and I also explain that I was trying to get out of paying back the loan, but they refuse lower or keep the payment at {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was offered this credit card with no fee or interest for one year. It's been 5 months and now they are charging me {$28.00} as a Fee

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