vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is grossly negligent regarding a financial matter. At issue is Wells Fargo refusing to acknowledge or communicate on a property while trying to avoid foreclosure. Wells Fargo is trying to say that they require a bankruptcy authorization form to communicate however Wells Fargo being a lien holder to the bankruptcy and having access to XXXX very well knows the bankruptcy was discharged 2 months ago and therefore no bankruptcy authorization form is required since there is NO active bankruptcy. This is gross negligence on part of Wells Fargo which has had a string of issues lately.

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Trouble using my card, when it came to credit limits when I had my card they would give me credit limits of 50 or 100 at a time even after paying my balances in full, the Fees or interest they would charge was insane they closed my account after 6 years for a XXXX reason of too many returns but my bank account was compromised they never did a balance transfer and I cant get a settlement to be done with these ratchet people ... they claim they do n't do that and I even have cash back on a card which I cant use cause they closed my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CO

Complaint narrative:
I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CO

Complaint narrative:
I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.

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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Recently on XXXX XXXX XXXX I needed to place a security freeze on my TransUnion credit report. This is supposed to be done most conveniently on the website. However it is somewhere between very difficult and impossible to place a simple credit report freeze on the TransUnion website. XXXX is constantly redirected to other services, most of which are subscription services. Finally, there are links to a telephone number, which when you call this number, you are again bombarded with solicitations and marketing. Aproximately XXXX hours later I stopped trying this for the day. XXXX XXXX XXXX, I went straignt to the number and worked through approximately XXXX mnutes of advertising in order to place a freeze on my credit report. 
Also in all of my searching the XXXX website I was unable to find a mailing address to send a freeze request to, or to find any listing of documentation or other re information necessary to do this. 

TransUnion should be required by your agency to to make credit report freezing easy to find, perform & document without having to put up with several hours of marketing nonesense. Seeing as how they are required by law to provide this service, I see no reason why they can not or should not be compelled to make it fairly easy and fairly XXXX for the consumers such as myself.

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 2017-11-06 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I HAVE ALREADY NOTIFIED DIVERSIFIED CONSULTANTS IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT XXXX A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I have received repeated threats of arrest, and/or seizure from the law firm of Linebarger Goggan Blair & Sampson. The debt, and legal proceeding in question, has been adjudicated over a year ago. The legal proceeding was a civil matter, yet this debt collector had repeatedly threatened and harassed me with vague collection notices, the most recent of which contained a threat that a warrant was issued for my arrest and that I would need to pay the agency in order to rescind the warrant and avoid being arrested by the police at any time. Law enforcement shows no such warrant exists ; furthermore, at the advice of counsel, this matter is not one in which would/could result in arrest regardless ( civil matter ). A quick search online shows this organization is a repeat offender and has used shady tactics to collect debts in the past. Requests to cease communication have been met with hostility and have gone unheeded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX we were taken in on an identity theft scam that had to do with a XXXX scam. While on the phone with the scammers my wife was also on her online banking account and saw fraudulent activity, debit card charges. She immediately hung up the phone and contacted the Bank of America and notified them of the fraudulent charges and notified them of the identity theft explaining what had happened. Bank of America stopped these fraudulent charges. She also notified our other bank XXXX XXXX XXXX XXXX who put a watch on our account and also all our credit cards were cancelled and new ones issued. On XXXX XXXX, XXXX at XXXX pst she was reviewing our BofA account and saw that a {$5000.00} wire transfer was pending. She immediately contacted BofA to stop this wire transfer, explaining again about the identity theft. She was told by them that unfortunately the transfer had already been made. We were put in touch with their wire fraud department and a claim number was received. We were told that if we heard nothing from them in 10 business days the money would be put back into our account. We heard nothing for several days. On XXXX XXXX, XXXX we contacted BofA again and asked the status of the claim. We were told that the first claim had gone to the wrong department and that a new claim had to be initiated, again with the 10 day stipulation to return the funds. As of XXXX XXXX, XXXX we had still heard nothing from the bank. After spending 4 hours on hold and getting bounced from department to department a representative from BofA fraud department stated that nothing was being done as this did not constitute fraud and we would not be getting our {$5000.00} back. I disagreed with them as this was clearly wire fraud and that we had notified the BofA on XXXX XXXX, XXXX of the identity theft scam, before the wire transfer had occurred. Any help in this matter is appreciated. The actual scam has been report to our police department. We have any account information, dates, times, BofA personnel we spoke with available should you be able to help us.

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 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target

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 2017-11-06 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: GA

Complaint narrative:
I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

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 2017-11-06 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: GA

Complaint narrative:
I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.

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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I HAVE ALREADY NOTIFIED CENTRAL FINANCIAL CONTROL IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT CENTRAL FINANCIAL CONTROL A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Admin Recovery, LLC
State: GA

Complaint narrative:
Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.

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