vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: NAM National Arbitration and Mediation
State: GA

Complaint narrative:
On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of XXXX XXXX XXXX. They stated that I needed to make a payment on the debt. the debt was over {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with XXXX XXXX XXXXXXXX. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank Home Mortgage took my house illegally even during a bankruptcy to stop the sell. Rather than correcting the error they allowed it to be sold at auction. I have been reporting this error since XX/XX/2015. Each time I reported this to the bank I was told that it's in review. The review was done by employees of the bank and I don't trust them. I was never given a chance to show them that the fault was within the bank. 
I have document that show I was targeted by the bank, they been working to take my home even though I paid my mortgage on time each month. I was never in default until they refused to take my payments. 
Now to cover they wrong they report that it was a computer glitch. Even in the wrong I'm still hearing about this review. I don't believe this has anything to do with a computer glitch at all. This is another one of their cover up of their lies and deceit.

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 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX American Express called asking for someone that is NOT ME to collect a debt. I told them they have the wrong information and hung up. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 I called American Express using the number they called from XXXX, I informed them again that they have the wrong phone number and person listed and I have not had any contact or connection with the person they are asking about in years. They said that we would need to contact the person because they listed our phone number a year and a half ago. I told them that I have no connection to them and they need to stop harassing me for a debt that does not belong to me. I am a loyal customer of American Express myself, and I am very upset that they are continuing to harass me when I pay off my balance every month, so they need to remove my # from this other person 's account. Also told him that it is fraud and illegal for them to take down my information and place it on another person 's account in the first place! The person on the phone told me there was nothing he could do and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I filed two complaints with CFPB, one against Ditech Financial, and the other against XXXX XXXX, the mortgage company Ditech transferred my loan to. 

In that XX/XX/XXXX complaint against Ditech, I supplied the mortgage payment history from my bank to Ditech including all months after I had been approved for a Modification ad brought current. 

Ditech responded XX/XX/XXXX with their record of my payment history ( Attachment A ) Unfortunately Ditech 's record is incorrect. In their payment history, they have missed a payment made in te first month of my becoming Current. That payment was made XX/XX/XXXX. By missing this payment, Ditech 's payment history is off one month from it's inception. 

I am resubmitting the payment history with the request that Ditech correct their records, nd report the error to XXXX so that their records can also be corrected

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OpenRoad Lending
State: AL

Complaint narrative:
On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. 

Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. 

I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
i do not recognize the account " GE CAPITOl '' represented by XXXX XXXX. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX  or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX  today. Discrepancies are date opened XXXX, date of last payment I never made XXXX. Date of first delinquency XXXX and date reported 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 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This property has been under contract since XX/XX/2018. Select Portfolio Servicing is  the only lien holder. 

SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. 

Can you please assist in making SPS escalate this file? As stated above, the property has been under contract since XX/XX/2018. SPS has been asking documents on a piece meal manner, deliberately prolonging the whole process. We are risking of losing the buyer with a very very good offer because of this. Thank you for your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Since I last reported Experian to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.

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 2018-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of Bank of America. They stated that I needed to make a payment on the debt. the debt was over  {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with Bank of America. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.

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 2018-09-12 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: Nelnet, Inc.
State: GA

Complaint narrative:
The loan from XXXX was paid off but is now showing 60-90 days past due. This is effecting my score tremendously and I would like to get this updated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richard J. Boudreau & Associates, LLC
State: NH

Complaint narrative:
I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Richard J. Boudreau & Associates ( collection attorney ). 

My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. 

I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. 

I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH

Company response to consumer: Untimely response
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an authorized user on my account who tried to get his free annual credit report and XXXX  was unable to provide a report. I called Capital One in XX/XX/XXXX, and spoke with a representative about XXXX  and also explained that the authorized user applied for credit with a company that uses XXXX and was unable to get a credit score. He told me that Capital One reports to all three credit bureaus and it's not Capital One 's fault if the credit bureaus don't report the information that Capital One is providing. I have since learned that Capital One has not reported to XXXX at all. I am uploading, per his permission, a copy of his credit report from XXXX  dated XX/XX/XXXX. I am requesting that you report this authorized user 's Capital One account to XXXX   and that you also add on our previous address. The authorized user 's XXXX report needs to checked for updates to report the correct information. Can you please check my other authorized user also and if it has not been reported to XXXX, please do so. Can you please explain why on his XXXX credit report why Capital One wasn't reported until XX/XX/XXXX dated XX/XX/XXXX, when he became an authorized user in XX/XX/XXXX and why the phone number is not updated that was done months ago. Authorized user 's XXXX credit report is also being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing this inaccurate account information with the credit bureaus for over 4 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. They are now in violation of 15 USC 1681 FCRA s-2 and the FDCPA.

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 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The complain about my phone number being added to credit Bearer Experian. 

I'm having problem getting accepted for credit cards which I am pretty much approved but when I call the bank they have informed me that my cell phone number is not added on the Experian credit report because there is alert on it so if there is a alert there should be a number also so that bank could call that person and verify him. 

So that's what happened I called my XXXX XXXX credit card department and they told me the reason that I did not get accepted for the credit card because I have a alert on my credit report which is Experian and there is no number attached to it if there was then XXXX XXXX credit card department could have called me on that number to verify me and I would have been approved and that was the only problem in my head so I'm trying to get in contact with Experian but when you call on their numbers it's just Automated machine talkin couldn't get hold of Representative so that I could add my cell phone number. 

So am I complaining is about Experian I want them to add my cell phone number and remove the fraud alert and also two- accounts that I have which was supposed to be removed when I contacted them by mail.

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 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NH

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to XXXX XXXX XXXX XXXX XXXX ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. XXXX XXXX XXXX XXXX NH Attachments Caller ID.jpg ( 154 KB ) What product or service is your complaint about? 

PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 

Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? 
Yes What happened? 

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Stillman Law Office ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: GA

Complaint narrative:
On XX/XX/XXXX I Sent a certified letter to Transunion asking them to remove the inaccurate inquires showing on my credit report due to the fact it is hurting my credit score now that I'm in the home buying process and that I never authorize the company the following company 's pull my credit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; But however i never received any update on my inquiry removal status or reasons they could not be remove. On XX/XX/XXXX I contact Transunion via Telephone hoping to  reach someone to help me with my current situation and also due to the fact inquires that fell off was placed back onto my report, but however again the customer service representatives where very rude and would not help take care of the negative inquiries reporting on my credit report. I have listed all inquires that is showing on my Credit Report

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