vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX   stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be  in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.

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 2017-12-01 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 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below

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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because Transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A  ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that i have disputed. Please resolve the manner as soon as possible. Thank You.

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 2017-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: OH

Complaint narrative:
The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Recovery Group
State: GA

Complaint narrative:
This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
onXX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as a nominee for XXXX XXXX XXXX a New York Corporation to XXXX XXXX XXXX XXXX XXXX  as trustee on behalf of holders of OPTEMAC Asset Backed Pass-Through Certificates, Series XX/XX/XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house onXX/XX/XXXX in the amount of {$300000.00}? OnXX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.

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 2017-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries 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 2017-12-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries 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 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
Received a voice mail on XXXX XXXX, from ( XXXX ) XXXX which is a number for XXXX XXXX XXXX asking for information about myself. Having never been involved with this company I called the number back, turns out it was FMR, a debt collection agency calling me using a " spoofed '' number claiming I owed some sort of debt to " XXXX XXXX '' in XXXX, TX. No details were provided about this supposed debt, nor is there even a " XXXX XXXX '' in XXXX! In addition, they had the last 4 of my SSN and birth date. I have never been to a XXXX XXXX or any high interest loan company in my life, so this may also include an attempt at identity theft. Therefore I am placing a 90 day fraud alert on my credit and filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: EQUIFAX, INC.
State: KS

Complaint narrative:
The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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:
There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

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 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: River City Financial, LLC
State: MN

Complaint narrative:
The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
This complaint is against OWEN FINANCIAL SERVICES.

Our complaint is about the equity in our house and the escrow balance showing on our monthly statement. 
We have been with OCWEN FINANCIAL SERVICES for 6 years plus. Prior to that time it was with GMAC who went bankrupt and sold the mortgage to OCWEN. Every time the mortgage was sold ( several times since we bought the house ) the equity in the house seem to disappear. We recall it being {$14000.00} at one time. Where did our money go? OCWEN FINANCIAL SERVICES says the money went for LAWYER 'S FEES and PAPERWORK. This makes no sense to us and ca n't be explained by anyone at OCWEN other than the aforementioned reason. Also, they do not speak or understand English well enough to explain anything.

We are also concerned about the Escrow amount of {$4300.00} for Insurance. We pay the House Insurance directly to the Insurance Company in full for an entire year. This is the amount OCWEN is showing as Escrow on our statement. We would like to be compensated for this amount by sending us a check or in some such manner. We are very discouraged and disgusted with OCWEN FINANCIAL SERVICES and the way they do business.

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