vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We have been receiving repeated robocalls from XXXX XXXX XXXX, starting at XXXX XXXX daily. Sometimes we get calls two or three times in a day. I did an online search of the company and found that it is a debt collection agency that uses illegal tactics. Further, WE DO NOT HAVE ANY OUTSTANDING DEBTS, UNPAID TICKETS OR OWE ANY OTHER MONEY, so this horrible company is calling our number in error. Other victims have tried calling the company, only to be placed on permahold or face verbal abuse. This company needs to be stopped. We have had this phone number for years, so if the calls are targeting someone who used to have the number, then XXXX XXXX XXXX records are way out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
loan was with Bank of America the modification was a temporary fix mod was interest only from 2 % to 4.75 % now with deferred balance

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 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I went to the hospital and provided my insurance information. However, by the looks of it, there are bills on my credit that I do not owe. I contacted the credit agency XXXX and requested proof that the information they had was incorrect. They stated the only thing they had was a itemization of services. I explained to them by law, they are required to provide me with something of me agreeing to the amount that was left because the hospital never advised me that I had a remaining balance on my credit report. They just continued to provide me with they are correct. I spoken to several agent with XXXX and it only gets worse with every agent.

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 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
We applied for a line of credit on our home and was informed that there was an open lien on the property from XXXX. When we researched this on the XXXX XXXX County Recorder of Deeds web site we discovered there was a mortgage that was not showing as satisfied. Through weeks of research and back and forth with XXXX XXXX  and Ocwen we are unable to resolve the issue. XXXX keeps saying that it is Ocwen and Ocwen say that they are only responsible for loans after XXXX. XXXX is the company that placed the letter of satisfaction on the incorrect loan back in XXXX. Please help us with this. We have done nothing wrong. Always paid our debts and now we can't get a line of credit because XXXX filed a letter of satisfaction on the wrong instrument number. Please see latest email chain below with more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On account ending in # XXXX and # XXXX I had unauthorized drafts taken out of my accounts. Bank of America closed these accounts and gave provisional credits. 

I then made a deposit to my new account ending in # XXXX and # XXXX that was from someone who ultimately scammed me for {$800.00}. 

I have had {$530.00} in account # XXXX and {$98.00} in account # XXXX that has been withheld from me since XX/XX/XXXX with promises that I could go get my funds in the branch. 

I have spent a minimum of 23 hours on the phone with Bank of America and have made 4 trips into the branch. 

I no longer want to do business with a bank that doesn't have my best interest. 

Accounts affected : Ending in # XXXX balance {$530.00} # XXXX balance {$98.00} Claim accounts ending in # 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 2018-11-21 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: DC

Complaint narrative:
I disputed this address several times with TransUnion. This address does not below on my credit report. I never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington, D.C. XXXX and XXXX XXXX XXXX. XXXX, XXXX, CA XXXX. These was my Ex 's and friends address. I never lived there.

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 2018-11-21 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: DC

Complaint narrative:
I Sent Equifax multiple disputes ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) asking to properly verify, validate and correct errors on my credit reports. They did not do a proper investigation. They simply sent me a response stating the items were accurate and/ or verified.

XXXX XXXX XXXX- I request proper validation ( and the collection company only sent me a copy of a bill and a lease agreement. This is not proper validation of debt or proof of ownership. I sent a copy the documents to Equifax along with a proof of the inaccuracies on my credit report ; yet Equifax still do not remove the account as i requested.

Unverified Account Type ( Other ) / Unverified Balance ( {$3500.00} ) / Unverified High Balance ( {$0.00} ), Past Due Balance ( {$0.00} ) and the account Shows " Joint Account '' but only one name on the collection letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
The original debt was with XXXX XXXX. XXXX XXXX had set up a payment plan to pay {$43.00} due XX/XX/18 payment made XX/XX/18. Letter from HCI medical received was dated XX/XX/18. I started receiving calls before the 30 days given to dispute the debt. The times called they were rude and would not disclosed nature of call. I spoke to XXXX on XX/XX/18 and informed her of the repeated calls and rudeness. She apologized and we set up a payment arrangement of {$50.00}. I made another payment on bv XX/XX/18 of {$50.00}. I received another letter from HCI dated XX/XX/18 letting me know my balance remained unpaid and threatened to submit to credit b.c agency after making arrangements. I spoke to XXXX on XX/XX/18 at XXXX XXXX because XXXX was on vacation. She stated that after 45 days I get that letter. I informed her that it was not 45 days and she said sometimes the system does that. Really? I informed her to give XXXX a message. I never got a call. I called XXXX today at XX/XX/18 at XXXX XXXX and the payment arrangements and notes were gone. This is wrong practices and I am complying and now I was told that there is a possibility it's been reported. My consumer rights are being violated and this companies employees are not following protocol.

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 2018-11-21 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: Colony Brands, Inc.
State: MA

Complaint narrative:
I have been alerted to 2 hard inquiries on my XXXX XXXX Credit Report, I have never had anything to do with either of these companies XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX I contacted XXXX XXXX and was told that I had to prove that these inquiries did not belong to me, by contacting the above companies and get a letter of deletion.. and then they said it's only on your report for 2 years, why bother. I tried to dispute it on the XXXX XXXX site but it's the only part of the report that I couldn't select. It looks like your my last resort ... 

PLEASE HELP!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-11-21 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: GA

Complaint narrative:
I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
I check my credit score daily and noticed it dropped 73+points overnight and showed the derogatory mark stating collections  from waypoint resource group penned XX/XX/2018 ( 1month ) {$750.00} from XXXX XXXX XXXX . To my knowledge I havent ordered or started anything knew in XXXX and also never received any mail email messages stating that I owed this. My bill online states {$0.00} amount owed and my business account shows my payments are auto drafted monthly. I do not understand what is going on with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My account shows Negative even though all my payments were made on time. 
It for a Lease with US BANK for a brand new XXXX XXXX XXXX   XXXX color. 

I would like the negative to go out as it is affecting my credit score badly

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 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
Applying with XXXX XXXX to buy in XXXX XXXX, they referred to Eagle Home Mortgage. They are requiring that the loan must go thru Eagle Home Mortgage or you can not buy a home in their community. They will not sign the addendum allowing you to use your own lender. Neither Eagle Home Mortgage nor XXXX XXXX are paying any of the closing costs and are not providing any lender/builder credits on this transaction. 
Eagle Home Mortgage XXXX XXXX XXXX XXXX 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 2018-11-21 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: GA

Complaint narrative:
I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: GA

Complaint narrative:
I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2018-11-21 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: WA

Complaint narrative:
We closed our visa card account with Citi Cards on XX/XX/2018. We received a payoff figure from your customer service agent of {$410.00} and closed it that day. We closed it because we didnt want to pay the {$95.00} annual fee, which the customer service rep subtracted from our final payment before closing the account. I spent an hour on the phone resolving this matter However, the next month we were charged again the {$95.00} annual fee, plus interest. Again, I was forced to call your customer service dept to get this reversed, was put on hold multiple times, and spent another 1.3 hours on the phone with your company. I thought we were finally done. 
Still, the emails and phone calls began 28 days later. I called again and thought it was a closed matter. The next month, it began all over again. 

On XX/XX/2018, I called and was put on hold, forwarded to several people and put on hold for a supervisor. Long story short, the supervisor was apologetic and reversed all charges and promised the balance was XXXX. She gave me a reference number of XXXX. 

The emails and daily phone calls have persisted this month and have continued to harass us! 
Please resolve this issue with your accounting department ASAP. 

We will be filing a complaint with the Consumer Protection Agency regarding this matter.

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 2018-11-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 ) They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account 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 explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX, I called Experian 's automated phone line ( XXXX ) to put a FREE security freeze on my account. I went through all the steps and at the end of the call was told that my request was successful, I was given a Confirmation Number, and the automated message told me that within 10 business days I would receive a PIN number in the mail. ( I  am not providing the Confirmation Number here as you say not to provide personal information but am happy to give it to you if it helps resolve this problem. ) It is now XXXX XXXX and I have never received the PIN number. I have received no mail from Experian. I have tried calling the 888 number above, as well as XXXX, XXXX, and XXXX, to find out about the missing PIN number. All of these phone numbers are for automated lines and none of them ever allow me to talk to someone. None of them offer a choice that reflects my problem. If I click on security freeze it's about starting or ending one. I have tried multiple times and gotten nowhere. I have been unable to find an Experian phone number that actually allows me to talk to someone. I am disgusted with Experian. And both of my parents and several friends have reported the same problem ; no follow-up letter from Experian with a PIN number and no ability to reach the company to resolve this. Please help. ( Experian should learn from XXXX and XXXX, both of which have far superior systems to establish a free security freeze. They both worked without any problems. )

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 2018-11-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX appeared on my credit reports and I have never dealt with them. I have inquired, to no avail, as to who is responsible.

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