vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: NC

Complaint narrative:
Unfortunately, I had an auto loan with  XXXX   XXXX   XXXX   XXXX  tha t slipped into collections in the 1990 's, roughly 20 years ago. Recently, a collection attorney started sending me correspondence about this account, and also threatened to litigate the debt. Their contact, and action, is a violation of my rights under several state and federal collection laws. First of all, the statute of limit  ations to sue for this debt is three years in the state of NC. Since this debt is nearly 20 years old, it is a violation of my rights for this attorney to contact me, much less threaten a law suit. In addition to these threats, they have also threatened to send the sheriff to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: SD

Complaint narrative:
Purchased  the Netspend PayPal pr epaid card for  XXXX  paid  XXXX  Load Fee and put {$100.00} on the card. Attempted to activate the card and was told that I could n't because I already had this card with a - {$190.00} balance on the account. Contacted several times to attempt to resolve the issue. Was told by  XXXX  on  XXXX / XXXX / 2017  that the issue had been addressed and that the card would have the money credited to the account and be ready to use in he morning. Was notified via text message at  XXXX  that {$95.00} was avialable in m y PayPal Prepaid Account. I have  no access to the card.

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 2017-06-14 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: FL

Complaint narrative:
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Lender ( Navient ) switched me to electronic billing and then never e-mailed the bills. Stopped mailing paper bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 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:
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I have been directed to the presidents office several times and was even told they would contact me regarding my loan, no one has contacted me from wells fargo dealer services

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 2017-06-14 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:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 2017-06-14 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: NV

Complaint narrative:
TransUnion you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: TX

Complaint narrative:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I was in Chapter  XXXX  when my loan was s old to Shellpoint.  At this time they tried to foreclose twice ( as I was in Chapter  XXXX  ).     Once I was out of Chapter  XXXX  I called for my loan amount and information and they refused to speak to me. My lawyer had to contact them and proceeded to tell me the amount, due date and where to send the payment to.     After 8 months I get a notice that I am behind in payments - when I checked my bank I noticed that they have n't cashed any checks. After numerous calls I find out that they increased my payment amount and I was never notified. Funny how then a week later all my checks were returned with letters stating they amount was not correct.     At this point I was {$5000.00} in default. I called and tried to work out a payment plan with no luck. I asked for a statement showing payment history and never received. I asked for exact amount and never received call back.     This has been going on for an additional 3 months so I am now way behind.     Also every 3 months they send a letter that I will owe them money for homeowner insurance - I send them copies of my policy then in 3 months another letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: NV

Complaint narrative:
XXXX  you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I have never been past due on my auto payments with GM Financial, I contacted the company directly and they had two numbers wrong on my card number, they had access to my account to pull money out of. Requesting removal of the 2x 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: NJ

Complaint narrative:
The hospital     XXXX   XXXX   XXXX   XXXX   erroneously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him in ER was not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from    XXXX   XXXX   XXXX   XXXX   XXXX    case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a "  one  time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: NJ

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I was checking my credit report and saw a hard inquiry from   XXXX    (    XXXX   XXXX   XXXX   XXXX   )  Last Reported by Equifax  XXXX   XXXX ,   XXXX  . I did not apply for a credit card from  XXXX  or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.

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 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.

Company response to consumer: Closed with explanation