vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We have had our home mortgage with Wells Fargo for 7 years. We have had no issues in the past. The end of XX/XX/XXXX, we decided to take all of our checking and savings accounts to Wells Fargo. I made my monthly mortgage payment on XX/XX/XXXX. I made the payment through my new online Wells Fargo Bank Account ... thought the bill pay system. The amount of {$1300.00} debited my bank account the following day. 4 days later we received the courtesy call that our mortgage payment was late. I immediately called Wells Fargo. Online banking services could not help me, so I was transferred to mortgage department. The representative I spoke with was extremely nice, and very helpful. I explained the situation, and she even contacted banking services. She told me they could see where the funds were debited, but were not sure why they had not reached the mortgage department. I told her I was a little confused, since they are all Wells Fargo accounts. She said my payment would be applied in usually 5-7 business days and no late fees would be charged. Fast forward to almost 7 days later, and my mortgage had still not been paid. I called again..spoke to two representatives who were of no help. I called again, and then spoke to 4 representatives, until finally someone made a claim on my account and assured me that it would be resolved. 7 days later, on XX/XX/2018, I receive and email that my claim has been resolved, with no description as to how. I call online banking services, she will not help me. I call Mortgage Services. The representative was very helpful, but explained to me that for some reason my payment had still not been applied to my mortgage, but was being refunded to my bank account. I could now make a payment of {$2600.00} to make my mortgage current. I still have not received the funds back in my account, and I will not be making a payment until I do. I will also be going to the closest Wells Fargo location to make a formal complaint. I am also asking for my mortgage account to be credited for the payments of XX/XX/XXXX and XX/XX/XXXX. It does not make me feel very reassured that no one associated with Wells Fargo can tell me where my money is currently located!

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 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had my account accessed and used in what I believe was a scam activity. Someone was sending money to my account and distributing it within seconds to another account via friends and family according to paypal they are saying it was me doing it when I have provided them with everything I possibly could obtain to prove it was not my doing. I do not feel obligated to pay something that I never had the money for and have no part of.

PAYPALnever looked into the unusual activity in the account. I uploaded several documents of me reaching out to individuals trying to obtain why the money was coming in and going out. The activity they are claiming to be seen on the account is not valid. I reported to paypal several times, via email, spoof, phone calls, and reports that the matter at hand needs further looked into. I had my identity taken from me on this matter, I informed paypal of this issue and did all the security measures they recommended. I cancelled my paypal card due to it being stolen, they issued a new one and I never activated it. I contact my cell phone provider about my device that I did all my banking and personal use on was stolen. I was issued a entirely new device with a new IP and did everything they recommended. I have contacted my bank and put a freeze on my one and only account. You can see that I never touched any money that came in to that account that was suspicious to the activity. The money was withdrawn immediately from a unknown source. I have no relations or affiliation to whom ever received this large amount of money. I will be contacting consumer affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hewitt-Capital
State: TX

Complaint narrative:
A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OpenRoad Lending
State: AL

Complaint narrative:
I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX  AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.

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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: NY

Complaint narrative:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.

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 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ceannate
State: FL

Complaint narrative:
1. This complaint is in response to the false information you submitted to the CFPB on XX/XX/2018. In your response, you stated that you mailed an initial collection notice to me on XX/XX/2018. Apart from your harassing telephone calls, the only letter I received from FMS in XX/XX/2018 was dated XX/XX/2018 which I received on XX/XX/2018. Upon receiving said letter, I immediately responded with my XX/XX/2018 in which I clearly requested debt validation. FMS received my XX/XX/2018 letter on XX/XX/2018 at XXXX am. Despite this, FMS called me several times in violation of the FDCPA. Since my XX/XX/2018 letter requesting full debt validation, FMS did not contact me before XX/XX/2018 when XXXX delivered an envelope containing a SINGLE SHEET OF PAPER ( copy attached ) with my name printed thereon. This meant absolutely nothing to me. Presumably, FMS classified this as debt validation. I would like to make it absolutely clear that I AM STILL AWAITING FULL DEBT VALIDATION from FMS coupled with the legal basis it has to collect a debt from me. 

2. FMS clearly has been relentless in its attempt to collect an alleged debt that it not validated, can not validate or is refusing to validate. I do NOT owe any money to FMS whatsoever, nor do I owe any money to the University which FMS is purportedly collecting the debt on behalf. 

3. FMS contacted me by telephone and refused to identify themselves but had the audacity to request my personal information. I am a victim of identity theft and my personal information has been compromised as confirmed by the US Office Personnel Management. It amazes me that FMS alleges that it could NOT disclose account information to me, but yet, went ahead and reported a derogatory account on my credit reports without verifying my identity and/or validating the alleged debt. 

4. Contrary to paragraph 3 of FMS uploaded XX/XX/2018 letter, I have not received any XX/XX/2018 and/or XX/XX/2018 letters in the mail. 

5. Furthermore, the meaningless sheet of paper submitted is NOT DEBT VALIDATION. Attached herewith is a final letter requesting FULL DEBT VALIDATION, but not limited to, before this matter gets litigated. I trust that this issue can be resolved without the need for litigation. 

6. You are required to delete this erroneous and invalidated account information from my credit report. I reserve the right to sue for each violation for an amount equal to or up to the statutory cap of {$1000.00} per violation, excluding defamation and damages. 

7. I EAGERLY AWAIT DEBT VALIDATING WITHIN THE STIPULATED DEADLINE OF MY XX/XX/2018 LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX  XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM XXXX XXXX AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND EQUIFAX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM EQUIFAX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: OH

Complaint narrative:
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for giant XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: CA

Complaint narrative:
This complaint is against Experian XXXX. XXXX XXXX XXXX, TX XXXX. I disputed accounts on my credit report to have them verified and removed but Experian has failed to do a proper investigation using the e-oscar method to verify accounts listed on disputes and give me proper proof of verification on unverified accounts. My first dispute letter they received certified mail was on XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a second dispute letter to verify accounts on my credit report and they received it certified mail on XX/XX/2018 and they still did not give me no verification on accounts listed on letter. I then sent them a 3rd dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a 4th dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts.

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 2018-08-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX is 3rd party debt collection agency and they keep reporting to my credit report not following the guidelines of reporting every 60days.

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 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account. 
On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I  attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.

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 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUDIT SYSTEMS,INC
State: NE

Complaint narrative:
They called me and demanded that I confirm my address before they would tell me who they represent. The agent was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received a letter from a debt collection company by the name of XXXX XXXX XXXX XXXX dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with Resurgent Captial. The letter they sent me clearly violates the FDCPA 807 ( 10 ) " False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''.  The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by XXXX XXXX XXXX under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that  has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, XXXX XXXX XXXX states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. XXXX XXXX XXXX nor XXXX XXXX ( Resurgent Capital ) has ever extended or offered any credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I signed a modification agreement ( HFA Modification ) with the federal government that supersedes any other agreement. It was for the entire loan balance at that time. My original mortgage note was fixed, I never had an adjustable rate loan. The agreement I signed states that the interest rate is 2.375 and it may be adjusted only if my original note was an adjustable loan. That is not the case Every year Mr. Cooper FKA XXXX XXXX tries to increase my payment. I made a complaint previously about them and they apologized and fixed it. Now they are doing it again. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
We fell into desperate which caused us to fall behind in our bill payments impacting our credit scores to be bad. We have worked real hard to move forward in paying our Bill 's on time and have seen our scores impacted for the positive. We were shocked to find collections added to our credit file from a debt from XXXX which caused a huge drop in our scores. With this being said, creditors are maneuvering reporting just to drive our scores down and making the hard work that we have done to improve our scores to be of non effect. This should totally against the law causing middle class Americans to never get ahead. One young lady has a debt on her account from XXXX which the credit agencies refuse to move. What should be done to create a law to protect us and keep companies from using this tactic hoping for payments. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation