vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
The collection has been pulled back from the original vendor but EOS as not removed their collection from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX  and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a 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
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
XXXX XXXX XXXX, XXXX, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on XXXX XXXX XXXX, XXXX but maybe on Wells Fargo. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XX/XX/XXXX. These loans were through my local bank and then Wells Fargo bought the bank and took it over on theXX/XX/XXXX. I had moved my accounts from Wells Fargo before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had Wells Fargo do this in another county in our state.

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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
In XX/XX/XXXX Portfolio Recovery and Associates ( PRA ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after PRA obtained my new mobile telephone number, PRA added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by Portfolio Recovery and Associates and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that PRA provide proof that I consented to receive robocalls on my cellphone. I disputed PRAs right to contact me on my cellular phone and made several requests for PRA to reveal the telephone number originally provided by the creditor. 

I am aware that Portfolio Recovery and Associates violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked PRA to provide proof of consent and PRA has ignored both of my certified letters. I have provided PRA with phone records and proof of their credit inquiry, yet PRA has chosen to ignore my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have an auto loan with Wells Fargo Dealer Services. Due to financial hardships I have fallen one month behind and struggle to catch up. I literally work 3 jobs in an effort to catch up on my bills. I have explained this to them repeatedly and have been in constant communication with them on a monthly/weekly/daily basis to set up payment arrangements and work with them. I told them that even though I will always be a month behind, I consistently pay them. They refuse to defer a payment too. Even with these explanations and arrangements, they continue to call on a daily basis ... sometimes several times a day. It is upsetting and it is harassment. It would be different if I was ignoring them ... but I have continually communicated with them. I managed to make a payment last week, and made another one today. But I am currently 4 days late. I can't pay them again, until this same time next month. Even with being only 4 days late ... They are still calling! It is a bit over the top. Especially when you consider all the money they are making on my late fees! I sure wish I could put my name and account number here so when you send comments to them and will know who it is. They sure don't listen to me when I explain and ask them to stop calling 24/7. It won't bring the money any sooner. Obviously if I had it I would pay it! Not an easy group to work with that is for sure ....

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 monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I satisfied my mortgage on lots numbers XXXX and XXXX in XXXX 2012. I received my property tax bills every quarter and always paid on time. Last week I received a Summons and Complaint from XXXX XXXX XXXX   XXXX stating that there is a tax lien on lot XXXX and will begin foreclosure proceedings. I was absolutely shocked not knowing why this occurred since I always paid my taxes. I called Citimortgage and was told that in 2012 a satisfaction of mortgage was sent to the XXXX Register 's Office for lot XXXX but not for lot XXXX which is a smaller lot. I never received any notification of an issue with lot XXXX either by mail or phone-my first notification was a Summons and Complaint and a Tax Lien!!!. I spoke with the Attorney representing the bank and paid off the tax lien immediately so as not to have any FURTHER PROBLEMS.I now am requesting the satisfaction of mortgage document on lot XXXX from Citimortgage as well as compensation to the tax penalties and legal 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 monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
They called another person and discussed the debt including amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/2018 I found sports tickets on XXXX for sale. I talked with the seller via text and phone call who suggested we use XXXX through Wells Fargo for payment. Given that I had the person 's phone number, email and that I was using Wells Fargo, I figured that I would be protected. However, after I transferred the money ( XXXX dollars ) through my Wells Fargo App via XXXX, I never heard from the individual again. I promptly contacted Wells Fargo within minutes after the transaction to cancel and warn them of the scam. I provided them with his phone number, email, XXXX account, XXXX post and other bank accounts he is using for the transactions. I told them that the XXXX posting is still active as well as the email and phone number because he responded to my friend who had just reached out about the tickets again. I was told " thank you very much for all of this information, and that an investigation would be opened and that I would likely receive my money back given that this is a scam. '' However, my money was not reimbursed and no additional steps were taken y the bank to prevent this person from scamming other individuals ... even though the bank was provided with information to help shut down this scam. I reported this posting to XXXX as a scam as well. I tried reaching out to XXXX however they would not help me because I used XXXX through Wells Fargo and therefore have to issue my complaints with Wells Fargo.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On 2018, this debt for {$140.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I would like to register a complaint about Nelnet to protest most strongly and urgently the procedure Nelnet used to acquire my personal information and bank informations through, what I believe must be a third party. I am continuously having issue with identity fraud and to find out Nelnet has my personal bank information without my consent on their website database, is very disturbing. I believe this type of practice should be illegal and it a violating my privacy. This is unethical how they proceed to collect costumers personal information and sell it to other companies, without informing the consumer. I would like this issue to be investigated and verify if the way they got my account and personal information was kosher and through standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Mynhome was approved for a short sale in XX/XX/XXXX When it came time to close and finalize the process, I couldn't close because I hadn't found a job nor a place to live yet. The buyers on the deal backed out as they didn't want to wait anymore. Immediately following word that the short sale fell through XXXX XXXX XXXX began foreclosure proceedings on my home. In the meantime they also mailed me a letter offering me a deed in lieu of foreclosure process that was valid for a period of 60 days. The date on that offer was late XX/XX/ but I didn't receive until early XXXX. 60 days to decide if I want to do a deed in lieu would run me to lateXX/XX/XXXX However I subsequently received an foreclosure sale date notice dated For right in the middle of those 60 days they offered me. That is not fair to do to someone. My home is currently under agreement again with new buyers and my Attorney has submitted all the paperwork for the short sale to be approved to XXXX XXXX XXXX. We have not received a response yet. We have asked that the sale date be postponed in lieu of the pending sale. My Attorney nor I have received word on if the sale date is going to be postponed or not. Please intervene and do something to help. I have since found full time employment and can close on this deal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I took out a private student loan from JPM Chase inXX/XX/XXXX orXX/XX/XXXX. I began making monthly repayments in XX/XX/XXXX but towards the end of XXXX I stopped receiving bills from JPM Chase. In hindsight, I believe they must have been using an outdated address in mailing out my bills. But given that I was in the process of getting reenrolled in college around that same time, I assumed my payments were simply placed in deferment/forbearance, as my other lenders do when I am active in school. 

It was not until I received an actual phone call in XX/XX/XXXX that I was alerted to my account apparently being delinquent, and being escalated to collections. I did not even speak with JPM Chase directly, but rather a representative from the debt collection firm had contacted me. He informed me that I did not have any option to resume monthly payments with JPM Chase, and that I MUST pay the outstanding balance in its entirety. 

I did not have the means to do so, and therefore I was compelled to take out a personal loan with my employer 's credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in order to pay off that balance, and I have diligently been making my monthly payments to the XXXX XXXX XXXX XXXX since XXXX. However, JPM Chase is still reflecting in my credit file as having delinquencies and as having been charged off and not paid in full. However, that is inaccurate - any lateness or delinquency in payments was due to not receiving bills from JPM Chase. And once I was directly contacted, I immediately acted and had the loan balance paid off in full through another personal loan, and have been keeping my monthly payments with that new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
They called another person and discussed the debt including amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My bank account was over drawn by {$430.00} after multiple overdraft fees being added and bills being deducted. As a XXXX XXXX XXXX, and recently going independent in that field, money gets tricky to come by in the beginning. I finally closed a sale. I received a {$12000.00} ( {$11000.00} ) check and deposited it on the morning of XX/XX/XXXX at XXXX XXXX, at my local Bank of America ATM. 

Of the {$12000.00} ( {$11000.00} ), {$300.00} was placed into my account. Still leaving it in the negative by {$130.00}. Still at risk of further over draft fees. The remaining {$11000.00} is placed on hold until XX/XX/XXXX. 

I will continue to have bills drawing on the account. Again putting me at further risk of over draft fees. 

On the receipt from the ATM at the time of the deposit, it does give me a reason for the hold. " A hold was placed on your deposit because the account had multiple overdrafts in the last six months. '' I get that. But to hold {$11000.00} back over {$430.00}, seems extreme. I can see holding a chunk. But no, they leave me negative and will keep collecting over draft fees and making money. I have bills and need to survive.

I have called Bank of America twice and gone into the branch at which I deposited the check. Everyone tells me the same thing, my account is high risk and nothing can be done about the hold.

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 monetary relief