vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX, Experian credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! 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 2018-09-28 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: CA

Complaint narrative:
TransUnion reporting collections debt over 7 years old

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 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, trans union, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX and out XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! 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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX XXXX, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX   XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I attended XXXX college but did not get to finish schooling there. The college was shut down due to fraud from XXXX colleges. I never finished school and i feel i was robbed of money that is effecting my credit severely. I live in a new state now and do not live at the same address obviously. I sent in papers to the XXXX XXXX XXXX XXXX XXXX and never got a response. I have no transcripts nothing at all left everything was lost in the move to a new state and have no idea how to get ahold of them. Thousands of students got their loans forgiven and i shouldnt have to pay mine back not even having a XXXX XXXX to show for my hard work at XXXX college. I need contact information so i can take care of these student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
XX/XX/2018 My Wife and I received a letter from Wetsch Abbott Osborn Van Vliet Plc . 
Letter was to inform us of a debt that we have with XXXX XXXXXXXX XXXX for {$1700.00} I Called@XXXX on XXXX XXXX waited on the phone for XXXX no answer. 
the prompter says that they do not call an leave messages if we wanted them to return our call. strange So I call again on XX/XX/XXXX@XX/XX/XXXX When I finally got ahold of someone I was then directed to the collections office and waited again for almost 6 mins. no answer. 

So I got online to submit a payment. with all my banking info ( there is no bare minimum of payment. ) I submitted what I could at the time to " cure '' the debt to set up recurring payments.

I received an email from Wetsch Abbott Osborn Van Vliet PLC denying my payment to " cure '' a debt. After I missed a call from them I work night shift I do not wake up till XXXX. 

So thats why I wanted to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
This is my third complaint regarding Zion 's Bank. I am firmly convinced that there is a conspiracy to deliberately stack transactions in a manner that would result in illegal NSF and other fees to Zion 's bank customers.

Zion 's bank is a RICO conspiracy devoted inter alia to illicit engage in such behavior as would result in their mostly economically disadvantaged customers paying hundreds upon hundreds of dollars in illicit NSF fees.

I am currently liable for {$140.00} in NSF fees SOLELY because of the stacking of transactions. I constantly keep an eagle eye on my outstanding balance with the aid of my electronic application. Every time I use my card, the amount is IMMEDIATELY deducted falsely leading me to believe that it is helpng me ascertain my AVAILABLE BALANCE.

HOWEVER, Zion 's Bank has a delberate policy of ignoring the available balance and charging monies on the available balance in the form of NSF fees claiming that the AVAILABLE BALANCE accessible to customers is irrelevant and making contemptuous excuses in a bid to charge NSF fees.

Zion 's Bank is an ongoing criminal conspiracy which robs the most vulnerable segment of society and which should be forced to disgorge its illicit profits and shut down as a RICO operation and I respectfully seek your assistance as a US Citizen and taxpayer.

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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
This is a formal complaint against Ditech for ignoring our requests to remove PMI and continuing to charge us PMI. 

On XX/XX/2018, we made a large payment to Ditech to reduce the principal for our mortgage far below the 80 % requirement for PMI. On XX/XX/XXXX, we called Ditech and asked for how we can formally request a cancellation of PMI. During the call, the representative told us to send an email requesting this. We sent them an email on XX/XX/XXXX requesting to cancel PMI. Ditech did not reply to this email. 

On XX/XX/XXXX, Ditech charged us {$150.00} for PMI. This appeared as a line item in our XXXX statement from Ditech. 

On XX/XX/XXXX, we called a second time asking how to cancel PMI, and Ditech told us to send an email. On XX/XX/XXXX, we sent a second email formally requesting to cancel PMI. Ditech never responded to this email either. 

When we received our XXXX statement, we did not see a line item for PMI, so we had believed it was canceled. However, in our XXXX statement, Ditech added TWO line items for PMI, one dated XX/XX/XXXX, and one dated XX/XX/XXXX. 

Per the Homeowner 's Protection Act, Ditech is federally required to allow us to cancel PMI upon request when our loan 's Loan-to-Value falls below 80 %. Ditech has not honored this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: Real Time Group, Inc.
State: NV

Complaint narrative:
Real Time Resolutions purchased a debt from XXXX  XXXX XXXX and re-aged the debt. I fell behind in XXXX with XXXX  XXXX XXXX and Real Time Resolutions purchased it in XXXX and that is the date they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
Call every day around XXXX XXXX Robo call looking for person who is not me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
When I applied for the XXXX XXXX card ( used to be " XXXX  '' ) in XX/XX/XXXX, the welcome offer was XXXX XXXX points plus a free weekend night award after 1st card anniversary ( a similar offer attached ). I met the spend requirement in time and got XXXX  points, no issue, but after I paid for the annual fee in XX/XX/XXXX, I never receive the free night award ... Since then, several attempts have been made to confirm the welcome offer and claim that anniversary award, but I was told that AMEX can no longer retrieve any info about my welcome offer and can not confirm it ... After that, the only answer to me is to wait, wait and wait 4-6 weeks for investigation until now it's almost XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting a collection account from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit file that do not belong to me. Transunion deleted XXXX XXXX XXXX from my credit file on XX/XX/2018 ( please see attachment ), and therefore this account should not have been placed back onto my credit file.Transunion refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX XXXX and XXXX XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Transunion failed to provide me physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify these accounts belong to me. Therefore I believe I'm a victim of mistaken Identity.

Transunion is reporting an account from XXXX XXXX   that do not belong to me. Transunion refuse to conduct a reasonable investigation into the reporting from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After requesting Experian to remove unknow addresses from my personal information on my credit file, the following address still remains XXXX XXXX XXXX XXXX XXXX, IL, XXXX.

This address does not belong to me and is not associated with any closed or open accounts listed in my consumer file. This unknow address was also deleted from another credit bureau. Please see attachment.

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 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I keep getting an email from pnc bank about XXXX dollar debt that I know nothing about. its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My mortgage payment was denied and lied about my past due timeframe also started new payment I could not afford and would not send modification papers when i had enough time. Ocwen mortgage is setting people up to loose my house. My name is XXXX XXXX from XXXX this is not the only problem I have with them they also have my escrow and my principal balance at XXXX when i brought the house please review everything and the peditory non servicing thieving practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: RI

Complaint narrative:
I revieved a Payday loan in XXXX of last year. I received it and I paid it back because they took right from my account but then proceeding to " roll over '' the loan and because I didn't call them they re enrolled me in another loan which I did not want. And when I called I got the response well since you didn't contact us we it rolled over or whatever the excuse was. My response was. I paid it in full. Why would I call you? Now it's on my credit for double what my original loan was that I paid. On top of that they overdrafted my account and I had to close it. They took complete advantage. So now it's my credit. I'm a single dad that pays an outrageous interest rate on my auto loan because of this. This is wrong on so many levels. I learned my lesson. I'll go without or before I even think about doing business with a Payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
XXXX XXXX contacted me by mail back on XX/XX/2018 saidI owe XXXX money for old debt So I decided to saddle the dept so it wouldnt be put on my credit report XXXX XXXX   put on my credit report anyway So I ask this collection agency asked them to remove it they told me they couldnt remove it they just a third-party collection agency and they told me to call XXXX so I called XXXX told them the situation and they looked at it and say that I didnt know that many money so I called the collection agency back and tell them the situation with XXXX and they asked them to send me documentation and they told me they dont have documentation of the Debt because they are third-party collection agency also this collection agency never send me a receipt for the money I paid that asked him three times back in XXXX to send me a receipt and they still havent sent me one.

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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: TX

Complaint narrative:
In XX/XX/XXXX my brother 's home at XXXX XXXX XXXX XXXX XXXX, Florida suffered {$13000.00} damage during a storm which his insurance company paid by check, which he sent to his mortgage company, State Bridge Mortgage for their endorsement.

On XX/XX/XXXX my brother XXXX   XXXX  suddenly died and I was named the personal representative of his estate in XXXX. Sense that time I have been trying to recover those funds, first to make the needed repairs so that the house could be sold but State Bridge made it so difficult to access the money that I ended up selling the place " AS IS '' to an investor on XX/XX/XXXX.

The problem now is State Bridge has not returned the money even though the mortgage has been satisfied and each time I've contacted them I'm given a different reason by a different person for the funds not being returned. I've attached documents to support my request for help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
capital one card, state that someone has open anccount in my named, that's being reported,30days late,60days late, aftering finding this problem is going on they refuse to correct this, problem, they owe me a deposit of XXXX. dollar, on the only account that I opened with them, ending in XXXX, which I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX  are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a certified dispute to Equifax and it was received on XX/XX/2018. I called to do a follow up on XX/XX/18 and I was told that they didn't receive a dispute from me. I told them that I had a copy of the return receipt. I have reported them to the XXXX in XXXX GA. I have called Equifax several times to get this matter resolve, but they keep giving me the run around. I sent them a letter and told them I would sue them. Still they haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
My monthly payments to XXXX XXXX XXXX are {$230.00}. I can not find full time work in my field so I work XXXX only making about {$15000.00} a year. My rent is {$600.00} a month. My car payments are {$210.00} a month. My car insurance ( required by MA ) is {$240.00} a month. Utilities amount to about {$200.00} a month. As I have sent all of this information to my servicer, but they have told me I can not lower my payments or go on an income based payment plan. They will not cancel direct debit, meaning it is difficult to make rent. I can not afford to pursue a higher degree because my debt is too high to get another loan, meaning I can not get a better higher paying job. I have sent XXXX my documents and information as it relates to trying to lower my payments but I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting that I am 30 days late for XX/XX/2018. I have never been 30 days late ever. I reported a dispute thru the credit agencies and it came back with no change. I then contacted XXXX XXXX XXXX and the representative said that they were very busy and would review my account and get back to me. I asked to have my payment history sent to me with a letter stating never 30 days late and they refused. They said to just file another dispute with the credit agencies and they would get to it when it was in for review. So I did submit another dispute and they still have not updated it. I have never been 30 days late. This is unacceptable and it is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
MY CITY TAX WENT UP {$17.00}. and change I sent Mr.copper mortgage holder escrow money. {$470.00} and a addn ai XXXX dollars to add to my escrow, so as to keep my payments .at {$510.00}, calling them at lest 6 time.they told me that the co.mr cooper was a debt collector and a mortgage company.XXXX XXXX SOLD MY LOAN TO MR.COPPER.unknown to many i think they use to be called anyhow can you call them and check it out.help no. is XXXX

Company response to consumer: Closed with explanation