vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 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: IL

Complaint narrative:
I currently bank with Wells Fargo, I use their " XXXX XXXX '' rewards credit card at the moment. On XX/XX/2018 my XXXX credit score dropped 29 pts from XXXX to XXXX ... And my XXXX  credit score dropped 28 pts from XXXX to XXXX ... I'm not sure why Wells Fargo would do this to my credit score but I'm very disappointed and confused as to why my credit score would drop so far? I have worked really hard to build it up over the years. I have never missed a payment in the lifetime of my credit and I have always paid my credit debts off FAST even if my balance gets a little high from time to time. I would truly appreciate it if this could somehow be fixed. 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 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I have disputed said debt via certified mail returned receipt. The company has not validated said debt and proved they are authorized. 
Although they ave provided copies of statements it does not prove that this account belongs to me. they have also provided generic terms and conditions from website, but it does not state an account number, name or balance or reference the alleged debt nor any written authorization to me. 

They also have provided a generic copy of bill of sale. The bill of sale does not provide an account or reference to the alleged debt. Therefore, I reject this information as valid proof of alleged debt. 

I have disputed this alleged debt on several occasions with them and their associates and known associates by way of certified mail, returned receipt. I have requested complete and accurate validation of the alleged debt under the FDCPA 15 U.S.C. 1692 et seq. ( see attached ) Although I continue to dispute this debt you continue to report collection activity and negative credit reporting in relation to this debt and you are in violation of the FDCPA Section 809 ( b ) and the FCRA. 

I have asked them to correct this immediately and I have considered to pursue legal action against them, including but not limited to violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. 

Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX  payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX  removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX  and am out thousands of dollars because they refuse to accept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. 

XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX and am out thousands of dollars because they refuse to accept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of theft. An individual ( s ) have accessed my bank account with Wells Fargo, and have drained my account. I believe the charges I disputed were over {$7000.00} in the amount of 48 transactions on my account. There were charges from XXXX and XXXX for {$100.00} back to back and within 1 minute of eachother. My card was cloned. I tried to tell the bank investigator this, but she denied that was even a possibility. I have tried to recoup my funds under the federal class E regulation, but Wells Fargo denies me protection and help to get my money back. I would like a MORE thorough investigation done immediately. My account is frozen, Wells Fargo will not let me have access to any of my money. I am a victim, yet Im being denied protection and the right to access my funds. This is highly unacceptable, as I have a family and young children.

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 2018-08-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: IL

Complaint narrative:
In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX  assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XX/XX/XXXX to  present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. 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 2018-08-11 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: IL

Complaint narrative:
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX  XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I'm in the process of repairing my credit and I noticed a company by the name of XXXX XXXX is reporting two negative items on my credit report which keeps dragging down my score. I have no idea who these people are and I've never done any business with them or signed any type of paper work with them. 

The 1st amount is for {$350.00} and the 2nd amount is {$370.00}. I have worked hard and paid a lot of money to improve my score and profile only to have this company keep reporting it causing my score to drop from XXXX to currently XXXX. 

Please advise Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT. 

I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN. 

OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX. 

LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS. 

TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS. 

THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF. 

MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB. 

OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I received notification from XXXX XXXX XXXXXXXX For a debt I had no knowledge of from XXXX XXXX   XXXX from an account that I learned from calling XXXX XXXX that was closed out 8 years ago and know just learning that i owe money to them. My question is doesn't this fall under the statue of limitation of 4 to 6 years to collect, also this is the first time I'm hearing about this after receiving my mail Saturday XX/XX/XXXX of 2018 which contained this noticiatation letter stating that I owe only 8 year after the fact they closed out my account with XXXX XXXX in 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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.

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 2018-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have received a number of collection on my credit report from Merchants Credit Guide. Each time in a different amount for the collection of XXXX XXXX. Each time I have disputed the collection and the amount. They would removed the collections only to come back with a different account number and collection amount. I also have contacted the XXXX XXXX in regards to the collections. XXXX have stated to me that they have no knowledge and or records of the amount ( bills ) owe to them. I am frustrated with the company adding collections to my account with different amounts and account numbers. I have not received documentation or any proof of this collection or collections ownership. Please have them to remove any and all collections from my ( 3 ) credit reports XXXX, XXXX AND, XXXX. And stop any actions of reporting. ACCORDING, TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I submitted a dispute to Barclays Bank Delaware due to a fraudulent account being opened by a prior employee which gained access to all business and personal financial information. Included was a report I filed with Identitytheft.gov, Credit reporting companies that currently had the information on file and a dispute letter written explaining the details of the identity theft. On XX/XX/2018 XXXX responded in a letter stating " We believe the information is accurate '' and are reporting the account as " charged-off-sold with a {$0.00} current balance. I would guess the information would be correct beings I was a victim of identity theft. Please help resolve this issue. This is illegal, not fair and is currently affecting my financial stability.

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 2018-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Moneytree Inc
State: WA

Complaint narrative:
On XX/XX/2018 at XXXX hours ( XXXX XXXX ) I ( XXXX XXXX XXXX ) went to MONEYTREE, INC at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX, WINDOW - XXXX ( XXXX ) XXXX Transaction Number XXXX who have a contract with XXXX XXXX to wire various funds to various individuals and countries. On this specific day, I wanted to send money to my sister XXXX XXXX XXXX who lives in XXXX XXXX, XXXX XXXX, XXXX. The total amount that I wanted to send to her was {$3000.00} USD and the transaction was completed with a TRACKING NUMBER of XXXX. I was informed that I needed to call this number XXXX although I could not find this mentioned in the contract. I have made not one ( 1 ), but eight ( 8 ) calls to this number on XX/XX/2018 from XXXX hours ( XXXX XXXX ) to XXXX XXXX and each time I was placed on hold for more than an hour at a time. I did receive one ( 1 ) answer from a XXXX OPERATOR XXXX, who promised to call me back in two hours, this call has never been returned and it has been over five ( 5 ) hours ago. 
Just what the heck is going on and why is it necessary for me to call any phone number, and give the person who answers the TRACKING NUMBER and any other information that they may ask before the funds can be released to the party that I want them to go to? This is not right. I am demanding an answer as quick as you can get it to me, my e-mail address is : XXXX and my phone number is : ( XXXX ) XXXX. Thanks so very much.

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 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I recently bought a home XXXX XXXX XXXX XXXX XXXX was the mortgage company. They transfered service to SPS on XX/XX/2018, the day my first payment was due. I paid XXXX XXXX on XX/XX/18 but they didn't credit the payment, now SPS is harassing me for the payment. Instead of working this out between themselves they have harassed me. It is not my fault. SPS has the worst reputation for mortgage servicing. I have no confidence in either of these companies to step up to the plate and fix this matter. I paid on XX/XX/XXXX by cashiers check from my account at XXXX XXXX XXXX XXXX. Amount {$1500.00}. I am submitting proof.

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