vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 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: TX

Complaint narrative:
I disputed item to be removed being   XXXX    removed item from my report as a result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I am a victim of identity theft and someone compromised my Bank of America checking and savings account. I have filed numerous complaints with Bank of America, but they continue to hold me liable for the accounts that was compromised by someone who stole my identity and impersonated me, and made unauthorized and fraudulent transactions on my checking and savings 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 monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
This debt was sold to a debt buyer, however ; the original creditor continues to report and attempt to collect on it resulting in duplicate entries on my credit report for the same account. Since the debt was sold to a third party collection agency, the original creditor does not have a right to engage in debt collection efforts.This is my final attempt to resolve this issue outside of litigation. IF you fail to remove this item from my report within 14 days I will pursue a civil suit for your debt collection violations. Please see attached claim that will be filed on  XXXX / XXXX /2017   with the  XXXX   County Courthouse.

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 2017-05-15 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: TX

Complaint narrative:
I disputed item to be removed being  XXXX  removed item from my report as a result of their investigation.

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 2017-05-15 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: TX

Complaint narrative:
I disputed an item to be removed ; being   XXXX   removed item from my report as a result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: MS

Complaint narrative:
I have an account with  XXXX  's. I was fired from my job last  XXXX  and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in  one d ay the most I 've counted  was 12 t he earliest time I was called was at  XXXX   XXXX   XXXX   I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was  XXXX . After I explained  XXXX  her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go  XXXX  collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received  15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo will not provide a payoff on the reverse mortgage unless I am the appointed representative of the deceased. But I am the brother of the deceased and can not afford the cost of becoming the representative when my POS brother had no assists. the deed to the home is already in my name as right to survivorship. The reversed mortgage was taken out in secrete and before my half ownership was added to the property. Wells Fargos  are  XXXX . Why are they discriminative? Who the  XXXX  gives a  XXXX  who pays off their  XXXX  loans. The POS deceased is dead already. As long as the note is paid that reverse mortgage should be closed!!! The amount of  XXXX  is acceptable as of the last statement  XXXX   XXXX ,   XXXX  .     There is no law indicating that I have to become the personal representative of my brother when he had no assists. It is idiotic and selfish o f Wells Fargo to   impose such requirements to pay off a note absolutely ludicrous they care about  no one but themselves. Wells Fargo is  a piece of  XXXX  financial institution that i hope goes to  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 2017-05-15 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: TX

Complaint narrative:
I disputed an item to be removed ; being   XXXX    removed item from my report as a result of their investigation.

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 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
For sometime now, have made payments before which they state were never received, but have bank statements totaling over {$1000.00}, that I have repaid, they stated the invoice # that I had gotten from their employee were none existent, plus when I have put my loans on forburance they continue to call my harrass my co-signer, we were also miss lead about our private loan, did not know that it would be a never ending story, was ahead on payments, they kept changing my due date, how I ended behind?, then was unaware that my payments do not even make a dent on my my private loan, I am currently  XXXX  w/a   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   had a  XXXX  that   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , even after  XXXX  am   XXXX    XXXX , I have  XXXX ,  XXXX   XXXX   XXXX , constant   XXXX   XXXX  , a   XXXX   XXXX   XXXX   XXXX   XXXX   in my   XXXX   XXXX   XXXX  , I also have  XXXX  of my   XXXX   XXXX   that   XXXX   XXXX    on me @  inconvient times, I  have told the to send me paper work due to my  XXXX , they kept giving me the run around  &  wanted to have a friend who has been helping me for a while to make the payments, my co-signer also has been harassed even when I asked them not to call him during his difficult time when his wife was ill with a  XXXX   XXXX , it has been a long horrific experience, I finally got fed up & had to make a complaint, I had asked them before to look into the $ that they stated I had not paid, but had bank records of & they just kept giving me the run around as well, ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a complaint regarding your ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX    XXXX    XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on  XXXX   XXXX ,  2017 , I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got stuck, it swallowed my card inside of this machine, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase 's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They suggested me to wait 15-20 minutes to wait for this sta ggered machine to return the card to me.     I had an hair and massage appointment, thus I tried to cal l Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I had to wait at mall for 20 minutes, missed my hair a nd massage appointment to get my debit card back.     I complained to m all manager about this horrible experience, the mall manager t old me that this is not the mall 's problem. It is Chase provided bad ATM machine, they had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUTN OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while , and Chase  failed to check into this regardless multiple customers experience hassle and difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX   XXXX ,  XXXX  {$1100.00}  XXXX   XXXX ,  XXXX  {$220.00}  XXXX   XXXX ,  XXXX  {$190.00}, {$790.00}, {$2600.00}, {$210.00}  XXXX   XXXX ,  XXXX  {$9300.00}  XXXX   XXXX ,  XXXX  {$150.00} The aforementioned credit collection agency representing  XXXX   XXXX   XXXX  has violated  the FCRA by not providing documents to me i n regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertain to this " debt ''. If they do not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: DISCOVER BANK
State: IL

Complaint narrative:
I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
FIRST OFF I DID NOT REQUEST OR RECEIVE THIS LOAN. I LEARNED ABOUT IT FROM THIS COMPANY CONTACTING ME TO COLLECT USING A SCARE SCAM IDENTIFYING THEMSELV ES AS THE SHERIFF  'S DEPARTMENT NEEDING TO MEET UP WITH ME TO SERVE ME COURT PAPERS BUT WANTING {$1700.00}. AFTER REQUESTING DOCUMENTATION THEY HUNG UP ON ME REPEATEDLY. THE FOLLOWING MONTH THIS DEBT WAS REPORTED TO MY CREDIT REPORT. I HAVE DISPUTED THIS 3 TIMES AND ALL  XXXX  IT IS FOUND TO BE CORRECT. IT IS NOT. I HAVE CONTACTED THE COMPANY DIRECTLY AND THEY WILL NOT TALK TO ME BECAUSE IT HAS BEEN TURNED INTO COLLECTION, AND THE COLLECTION COMPANY SAYS THEY WILL SEND ME DOCUMENTATION BUT I NEVER RECEIVE ANY DOCUMENTATION ONLY SETTLEMENT PAPERWORK FOR {$130.00}. THATS A HUGE DIFFERENCE FROM {$1700.00}. PLEASE HELP ME SETTLE THIS ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I had to go out of work due to personal illness. The vehicle was sold at the auction and I told the finance company I could not afford to make payments and on a vehicle I no longer possess.During the time I had the vehicle it kept needing major repairs and the finance company would disable my vehicle and still expect payments. They have put the loan up for legal review and it was just sold at the auction in  XXXX .I tried to do a settlement for the truck last year and they refused to accept it.

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 2017-05-15 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: Senex Services Corp.
State: MI

Complaint narrative:
XXXX  collections on my report are wrong and should never have been put on in the first place!  1 ) Sent Senex  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  Senex refuses to verify this info with   XXXX   XXXX   XXXX   ( I  do n't know about  XXXX  ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is reporting a false foreclosure to the  XXXX  credit services. BOA received a consent order signed by  XXXX   County S  uperior Court Judge   XXXX   XXXX  on   XX/XX/XXXX   stating that the BOA foreclosure was a MISTAKE on the part of BOA. I PAID MY MORTAGE IN FULL ON   XX/XX/XXXX  . Yet BOA is reporting late payments  XXXX  times.   Bank of America was supposed to correct the error with   XXXX   XXXX  and  XXXX  . As o f  XX/XX/XXXX  BO A has not corrected their MISTAKE. Because of  BOA  's MISTAKE I have been locked out of the traditional credit markets. I can not even get  a   XXXX   XXXX   XXXX    credit credit card. I can not get a mortgage to buy a home, because my  credit score  is in the  XXXX   XXXX . BOA 's MISTAKE has cost m e thousands of dollars in legal fees and exorbitant interest rates in the tertiary fin ancing markets ( maxed-out credit cards  ). B OA forced me to liquidate my business to generate cash to pay my bills. I have contacted BOA numerous times to no avail. the last BOA person I spoke to was  XXXX   XXXX ,  Resolution speciali  st   XXXX   XXXX , to no avail. I have all of the documentation for anyone 's review.

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 2017-05-15 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: OH

Complaint narrative:
About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau

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 2017-05-15 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: Navient Solutions, LLC.
State: ME

Complaint narrative:
XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: MN

Complaint narrative:
Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AK

Complaint narrative:
Simply put, we were " OCWENed ''.   OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did.
My bride and I were out of the country when OCWEN se  nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in   XXXX  , afte r O   CWEN was actually successful with foreclosing on our home.
Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.

Company response to consumer: Closed with explanation