vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I refinanced my student loans from Wells Fargo to XXXX. I was monitoring my WF account to make sure the payoff amount went through and my loan balance was XXXX. When I checked my account on XX/XX/XXXX, all of my student loan information was gone. This included all statements, 1098 's, and payment information. 

I called the technical support and I was told that all of my information was removed because the loan balance was XXXX. When I told them I had not been notified, they said they would send me my last statement. I told them that I wanted all of my loan documentation and they escalated my account to an analyst to review my request. 

My complaint is that I was not notified of these statement and tax document removals and that a consumer should not have to be escalated to the highest complaint team to receive their records. Additionally, consumers should be alerted to loan payoff 's. I have yet to receive my records.

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 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX I contacted Bank of America to refinance my home mortgage. The property was awarded to me in a final divorce decree dated XX/XX/XXXX. The bank disallowed the refinance of my home without the inclusion of my ex-husband if the refinance was to go forward. The universal loan application prepared by the bank included that only my name was to be included in the title/deed paperwork. 

During the preparation of the loan paperwork I was contacted a few times with regards to the preparation of the title deed, each time i indicated that I was to remain the only name on the deed. When the loan paperwork was provided for signature, it included both names, transferring interest back to my ex-husband, incorrectly. 

The bank updated the loan paperwork through an amortization to remove my ex from the loan paperwork, how ever, the bank is unwilling to update the error made on the deed. They are unwilling to correct the error that their third party loan paperwork company ( LSI ) prepared by including my ex on the title deed. 

I understand that errors in loan paperwork may be altered with a Mortgage Information Correction, however, this, nor any other options have been provided to me where the bank would correct the clerical and administrative errors that have placed me in this position.

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 2020-02-05 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: FL

Complaint narrative:
Accounts are 10yrs old, paid in full, and was updated with new first reported date to XX/XX/2019. Bureau failed to give proper verification of inaccurate reporting.

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 2020-02-05 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: AL

Complaint narrative:
I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A JXXXX XXXX ACCOUNT

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 2020-02-05 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: AL

Complaint narrative:
I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT

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 2020-02-05 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: IL

Complaint narrative:
After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
Fay Servicing of XXXX, Texas sent our BK XXXX Trustee a final Notice of Cure indicated we needed to pay {$8700.00} to complete all of our final payments and bring our monthly mortgage payments up to date. Our records agree with the amount owed except for {$870.00} that was labeled " Outstanding Corporate Balance ''. We immediately paid the {$8700.00} dollars to Fay Servicing two months ago. This amount was applied to our account and recorded on the past two months statements. However, our statements are still indicated that we owe XXXX of dollars more for the past two months even with Post-Petition Notice of Final Cure payments applied,. 

I talked to Fay Servicing 's representative XXXX today and he indicated that the {$870.00} was adjusted off the bill and that Fay Servicing still needed to reconcile the mortgage records. 

I am very concerned that the reconciliation of such critical records has not taken place and our mortgage statement continues to reflect that we owed thousands of dollars two months after complying with the courts Notice of Final Cure payment. 

I am concerned that we are going to receive a delinquent notice or worse yet a notice to start a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
ARS Account Resolution is a debt collector attempting to collect upon a fraudulent account. In XX/XX/XXXX they reported this debt to the credit bureaus. No notice was given of purchase. No notice was given of my consumer rights in violation of the FDCPA and FCRA. 
XX/XX/XXXX I sent them a 93A Demand Notice via certified mail requesting validation of their claim and immediate removal of the account from my credit report. Under " Massachusetts General Laws 209 CMR 18.17 : Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' They failed to reply whatsoever. I disputed this account with the bureaus. ARS claimed validation yet none was received in violation of the FCRA. 
In XX/XX/XXXX I sent them a second 93A Demand notice via certified mail. They failed to reply again. 
In XX/XX/XXXX I sent a third and final 93A Demand notice via certified mail. Again no reply. 
I am asking for immediate removal of this account from my credit reports and investigation into this company for fraud.

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/2019 I was told about a grammarly correction feature online for a monthly fee of aproxamately {$11.00}. I choose to use the feature for one month. Not aware I would be charged for a full year upfront. XXXX  system is not set up with a stop gap to give a customer a deliberate choice to opt out. ( in other words their system does not show what charges you are paying for ) The following day XX/XX/2019 I notice my account with Bank America was overdrawn. In looking at the problem I identified XXXX  had charged me {$130.00}. I immediately notified Bank I was instructed to call on Monday XXXX XXXX I called and received a credit of XXXX.. and XXXX  was credited for 1 month {$11.00}. 
I then received a letter from the bank dated XX/XX/2019 stating XXXX   had rebutted. The bank is telling me to resolve the issue with XXXX   who has not returned my calls with no avail. I have reported the issue to the Federal Trade commission reference number XXXX and was asked by the trade commission to file a complaint against the bank with cfpb.Thank you for the resolution to 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 explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am applying for a job and was notified about a debt with Atlantic Credit and Finance. Ive tried numerous times to reach them but can never get through and never receive a call back. I also have never received anything in writing from this company or received any calls. Its impossible to take care of and could possibly cost me employment. I contacted the original creditor but they say they cant take any payments. XXXX XXXX XXXX is the original creditor. Furthermore. There are over 100 XXXX  complaints about the same thing. Theyre impossible to get ahold of yet Credit cant be repaired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/XXXX ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP

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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit Control in XXXX XXXX has been re-opening my old debt I paid 9, going on 10, years ago. They have been hounding my credit every week adding a dollar to my fake collections every time I dispute this. They have been received horribly in all online forums and complaints portals such as XXXX, and XXXX. They do not follow Californias statute of limitations nor am I finding anyone willing to help the thousands of us that are experiencing these scams. I paid this collection 9 years ago and I will not give my information to them over the phone to end this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I sent a letter to company named XXXX XXXX XXXX XXXX XXXX ( XXXX ) an disputed a account they said I had at XXXX XXXX XXXX XXXX! I have never had a mobile phone with XXXX XXXX XXXX. so then I got my XXXX report and I see they have put it on my XXXX acct. But it wasn't on there for years I don't know where it's coming from???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Reported on my credit as a loan that I never requested or had for ( {$2400.00} ) IQ Data International ( XXXX XXXX  XXXX XXXX, Wa XXXX ) Original Creditor : XXXX XXXX XXXX  ( XXXX, La ) Total : ( {$3000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/1941 ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP

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 2020-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/ ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: MA

Complaint narrative:
AWA Collections is illegally reporting to the credit bureaus. I sent them a 93A Demand notice requesting removal from my credit reports and informing them of MA laws which they were violating via certified mail XX/XX/2019. ( MA General Laws 209 CMR 18.17.Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' As well as 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act to engage in the following practices to collect or attempt to collect any debt : ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor ''. AWA us a debt collector. They are not a creditor. They are not allowed to report to the bureaus. 
They failed to remove this account from my reports or address my correspondence whatsoever. I disputed this account with the credit bureaus. AWA claimed they are not subject to MA laws. 
XX/XX/2019 I sent a second notice. They failed to reply whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-05 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: FL

Complaint narrative:
Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/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 2020-02-05 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: FL

Complaint narrative:
Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
I received a letter in XXXX about the debt and paid it, the company has repeatedly called me since XXXX wanting the money. I emailed repeatedly asking them to stop because the debt was paid in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX open dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX   OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.

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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC
State: CA

Complaint narrative:
they call multiple times a day ... but each instance ranges from 5 to 10 calls back to back to back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation