vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McNeil & Meyers Asset Management Group, LLC
State: AR

Complaint narrative:
Ms. XXXX from Mcneil and Meyers has called my phone and left messages stating I need to contact her by the end of the day and if I did not she would send it to further processing and that " we can do this voluntary or involuntary ''. she has called me at my place of employment where I can not receive phone calls, the day she called my job and I answered the phone I had a patient that I was working with she refused to get off the phone when I told her I was at work and could not talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
This company calls 6 times a day from different phone numbers all over the country. 

I have asked them to stop but they call non-stop. 

The people are extremely rude. 

It is PURE harassment, I have ask repeatedly not to be contacted by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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 am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car 2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in 2012. After filing a complaint on XXXX and XXXX and Experian. Experian allowed a company called XXXX XXXX in XXXX Texas to list this as a new collection item which drop my score XXXX points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.

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 2018-10-10 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I had XXXX XXXX XXXX with Wells Fargo. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Wells Fargo but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2018-10-10 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have an student loan through wells fargo. Last XXXX/XXXX ( XXXX ), I began the process to consolidate my students loans into one loan. During this time, Wells Fargo frequently sent the wrong forms, or the forms were incomplete ( missing pages ). This resulted in the process taking much longer than needed. I spoke with multiple representatives from the company during this time to get he process completed. In XX/XX/2018, I spoke with a representative about missing paperwork. In early XXXX, I spoke with yet another representative that stated if I had everything in by XX/XX/XXXX, then my account would be fine, and everything would be listed at current and up to date. They completed the consolidation on XX/XX/XXXX. I recevied a notice that 4 of my accounts were being listed as 60 days past due. This had a massive negative impact on my credit score, as well as my husband, as he is a cosigner. It showed that 4 accounts were seriously delinquent. I was assured by more than one agent, during this process, that this would not be the case, due to their issues with their paper work. I called in late XX/XX/2018 and spoke with a representative about this issue showing on my credit as delinquent by 30 and 60 days. The representative once again assured me that these would be fixed and reported to the credit agencies. I then received a letter in XX/XX/2018 stating that they would not be fixing this issue. I then spent months trying to figure out why this was an issue, and why it was still on my account. I spoke with someone from their dispute dept in XX/XX/2018, and requested and investigation be opened, as this information was not correct, and their company reassured me, repeatedly, that this would be removed from both mine and my husbands credit reports. I received another letter 2 weeks later stating that the investigation was complete and no changes were being made. I then called to request the recordings of my phone calls in XXXX and XX/XX/2018. I was never given those, and the company has been less than forthcoming with their information regarding this matter. I have sought legal action at this time, and contact an attorney last week, XX/XX/2018. I have also filed complaints and disputes with all 3 agencies at this time. I have read through a number of similar issues regarding Wells Fargo, and I am more than convinced that they reported this inaccurately, and on purpose, to increase my interest rates. I feel that they do this so that you can't go to another company, since they know they ruined your credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: TX

Complaint narrative:
Yesterday my husband and I went to XXXX XXXX XXXX, XXXX, Tx to apply for a mortgage loan to downsize from our older, paid off home. When the loan officer ran the credit reports, only Experian, showed that we had two additional mortgages with XXXX XXXX and an additional auto loan with XXXX XXXX XXXX 
When we contacted XXXX XXXX, they verified that we had no mortgage loans. We did a little googling and pored over the report XXXX printed out for us from XXXX XXXX XXXX. 
Turns out that my Experian credit report contains information for a woman whose maiden name is the same as my married name and her social security number ( yes, that was on the report ) is just a couple of digits off mine. My guess is that someone didn't verify the social security number when they added this info. 

I tried to print a new experian report, but could not prove my own identity because they need me to very info about the loans that aren't mine. I tried calling experian 's number and went round and round with the computer generated voice. None of the options apply, and dialing XXXX doesn't work either. 
Consumer finance seems to be my main option. Please can you help? I'm not getting any younger! 
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 2018-10-10 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: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}.

I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. 

I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. 

I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX XXXX XXXX XXXX XXXX, VA to discuss a {$470.00} medical bill that was on my report. I knew that most credit agencies will removed collection accounts after they have been paid I asked if this would be removed from my credit report and I was told no. As it is up to the creditor I accepted the answer and went about my day. On XX/XX/2018 I became aware that veterans medical bills listed as collection, delinquent or charged off will be excluded from the veterans credit report. After obtaining my credit report to verify that this account was still listed, it was now updated as paid, and that my occupation was in fact listed as retired XXXX XXXX, I called the company to again ask for it to be removed. They told me that per the conversation on XX/XX/XXXX it will not be removed. When I attempted to discuss the section in the FCRA that states this I was greeted with complete surprise and confusion. And again I was referred to the XX/XX/XXXXd conversation. Neither the employee I spoke to or the supervisor she went to knew what the FCRA was, even after explaining that it was the fair credit reporting act which governs the information they are allowed to report I was first asked to email or fax the information and then asked for a rreport number or code as tho they didnt understand. This is a debt collection agency, of all people they should know about the FCRA, in addition to that they very specifically deal with medical debts. The Economic Growth, Regulatory Relief and Consumer Protection act was signed in XX/XX/2018. The FCRA was updated in XX/XX/2018. This company absolutely failed in their responsibilities to provide fair and accurate reporting of information by sheer negligence. The employees and supervisors are clearly not properly trained. The reporting and operating procedures need to be investigated to ensure that they are following the laws that govern their agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX : Found a derogatory statement from XXXX Bank. Stating that I owed money of approximately {$1000.00} on an account that had been added to a Chapter XXXX bankruptcy in XXXX. According to XXXX Bank they were never informed of the bankruptcy. I contacted Office of the Comptroller of the Currency and informed your XXXX XXXX XXXX Bank refusing to remove the debt from my credit reports. On investigation by the Office of the Currency, XXXX Bank removed the derogatory statement and sent me a letter of apology. I found out on XX/XX/XXXX that the derogatory statement stating that I still owed XXXX Bank money was re-instated on my TransUnion credit file. I contacted XXXX Bank and was told that no one was sure why this had happened. I checked with TransUnion and the derogatory statement remains. 

XX/XX/XXXX : Found a derogatory statement from XXXX Bank/XXXX XXXX for {$300.00}. It had not appeared prior to this date. This account was also discharged in Chapter XXXX bankruptcy in XXXX. On calling XXXX Bank I was informed that XXXX Bank did not know who the creditor was that had added this derogatory statement to my TransUnion account even though I informed them that XXXX Bank had done so. They refused to listen to my complaint on my informing them that the debt was discharged through a Chapter XXXX bankruptcy in XXXX. Their response was that I contact the creditor who placed the statement even though I informed them that they were the ones that did so.

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 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank services my mortgage and taxes/insurance are escrowed. TD has failed to pay and remit timely payments for property insurance. There is more than ample escrow funds, mortgage is current and there is no reason to explain this issue. Contact was made on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to resolve this issue. 

On each date listed, TD Bank has assured us that they received the insurance bill and that payment would go out overnight. They failed to complete this simple task and the injury is that insurance cancelled on XX/XX/2018 after 30 days of non-payment. In order to avert cancellation, I personally paid the insurance for one quarter ( even though TD Bank is supposed to pay through escrow ). 

I raise this issue to the CFPB for resolution not just for my case but more importantly to red flag why there is such a flagrant disregard for remitting timely insurance payments. Hopefully, this can help avert the same issue for other consumers that find themselves innocently in this situation where your mortgage firm does not fulfill their escrow obligations and introduces risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage company, XXXX XXXX, sold my mortgage to Freedom Morgage. I was set to auto pay XXXX so every month they sent me a mortgage statement and I filed it away. When they sold the loan, I didn't have any knowledge that it had happened. The first I knew about it was when Freedom Morgage sent me a foreclosure notice ( which I assumed was also junk mail, but I looked at it anyway ). 

It turned out I was a few weeks behind on the payment and this was their way of letting me know ... " welcome, you are being foreclosed on '' ... even though it was literally just a few weeks late. I started scrambling around trying to find info on this new lender and realized that they didn't transfer my auto payment so I needed to setup a new account with them to pay it. I did that and then tried to setup an auto payment plan but they wouldn't let me do THAT because they needed my first payment to clear (?? ). So a week later I went in and setup the autopay. Selected the full amount payment on the due date and considered it taken care of. 

About 2 months later they sent me another threatening letter saying my escrow payments were going to be short. It turns out they had created an auto payment amount that wasn't for the correct amount. I am going to assume this is because it makes me think they are charging me less ... but of course it was just wrong. The letter said if I did nothing they would adjust my amount. So I left it alone and am chalking that one up to standard deceptive marketing practices at worse and incompetence at best. 

However, they ALSO charged me a {$15.00} `` drive by fee ''. Apparently this is because my payment was late in XXXX so they say they charge this fee to make sure the house is ok? I would bet the value of the house that no one drives by and this is just a random fee to get around the fact that they are not legally allowed to charge fees within a 60 day grace period during mortgage service purchase transfers. 

This company is a general disgrace and this fee is wholly fraudulent.

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 2018-10-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CHASE CARD Closed : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires  such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXf California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation