vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: IL

Complaint narrative:
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the origin

al Consumer Account Number. Retain the original Date Opened of the first disbursem
ent.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX XXXX XXXX And Equifax are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: IL

Complaint narrative:
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account. 
Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that Experian XXXX XXXX And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

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 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
They are now calling my husband 's cell number and they were told verbally NEVER to contact me again. I have NEVER received notification of the debt to start with but they are calling after being told not to and are NASTY. I know of at least two occasions previously where they called me in recent weeks and I told them not to call again so that means don't contact at all to start with. And there have been previous calls, back previous to this recent rash of calls. Nothing in the mail from these people and they previously violated the demand to stop calling and said they would cease all communications on ALL accounts. At this point they owe me money for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northland Group Inc
State: OH

Complaint narrative:
Northland Group has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an account with Experian Credit Bureau : Member ID XXXX XXXX XXXX XXXX My name on the account is XXXX XXXX XXXX and I am trying to cancel my account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks uo. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied and got approved for a Wells Fargo Business Platinum credit card that comes with 1 % cashback on purchases. I have not received any of the cashback rewards despite having made over {$2500.00} in purchases on this credit card. I called to fix this issue and never got a call back.

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 2018-04-30 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: MS

Complaint narrative:
I received dispute results from Experian about falsely created student loans in my name. On the dispute results Experian said that it verified that results of debt were accurate. I received a statement from XXXX XXXX stating that only two of the account numbers I submitted are legitimate and will continue to be reported on. Those two accounts are with Department of Education and are in good standing. The falsely created ones were created in XX/XX/XXXX. I'm also having to file charges against XXXX because of XXXX XXXX XXXX falsely created loans. There are two of these. I received a statement from XXXX XXXX XXXX that the two loans originated with them, but XXXX is the servicer. These loans were also created in XX/XX/XXXX. I  wasn't a student and didn't apply for any student loans in XX/XX/XXXX. Also on Experian dispute results there was a different social security number and several addresses that need to be 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 non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am concerned about what will happen if my house doesn't sell soon ; it has been on the market for three years. I have tried calling the Client Advocate Unit of BBVA Compass for two weeks but nobody answers the phone. I did actually manage to speak to one person after 8 days of calling ; she said there wasn't really anything they could do because my account was in good standing. I asked about deed-in-lieu of foreclosure or other options but the only advice was get a short-sale offer. I have not received any offers in t

hree years ; this didn't seem to concern them. Again I asked for other options but received no other advice. However, the next day they called my home number asking us to call them back. I have been trying everyday for five days, leaving messages, etc ...

Consumers are encouraged to call their bank before they experience difficulties. It is apparent that " doing the right thing '' is not the way to go. It seems quite obvious that consumers have to ruin their credit before anything will be done and by then it is usually too late. Two weeks I have been trying to get information to attempt to avoid foreclosure and for two weeks I have been confronted with a voicemail that apparently does not get checked. 
BBVA Compass show a complete disregard for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
me and my husband moved out of apartments in XX/XX/XXXX 2016 the landlord was retaliating against us they alleged non-payment but they refused the payment out of spite because my husband complaint to the housing commission, the landlord ended lying to the court and obtaining an agreement with us to pay them monthly and we paid them monthly the sum of {$350.00} every month now sunbow partners has sued us in court alleging that we still owe {$800.00} and has not notified us at all, we never got served nor did we ever receive a bill or explanation that we still owe them, XXXX XXXX with kimball tirey and st.john 's help obtain a false judgment they duped and lied to the court they never notified us of the suit. they have violated our FDCPA rights which are federally regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was illegally evicted from my apartment and forced to take everything I could fit into my car and stay in Hotels in XXXX California. As it was high season I had to change hotels almost on a daily basis. There are numerous charges duplicated on my credit card. I have not only been charged by XXXX, XXXX and XXXX but also at the hotels. They are only supposed to take my credit card number to hold the hotel room for me until I arrive but I have been debited twice for the full stay. This adds up to thousands on my credit card. My credit score has dropped from XXXX to less than 600 and I can not get an apartment without a credit score of 700+ I'm currently staying with a friend in XXXX XXXX , Ca until I can get this a sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
It has recently come to my attention that some CC companies, most notably Bank of America and XXXX, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an avid hunter, shooter and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. Thank You XXXX 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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX RE via XXXX XXXX Inquiry Type : Individual Requested on : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION I disputed this transaction with the Credit Bureau and the Creditor, I never authorized this inquiry. 

XXXX XXXX XXXX  / XXXX # XXXX Date Opened : XX/XX/XXXX On the following dates : XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late. 

XXXX XXXX XXXX / XXXX # XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late As reported to the credit bureau XXXX XX/XX/XXXX payment to this same creditor reflects CURRENT although beginning 30 days later XX/XX/XXXX it reflects 90 days late. 
I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late.

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 2018-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a partial payment through Mr. Cooper 's website that allows for partial payments before your payment is due. On XX/XX/XXXX I submitted a {$450.00} partial payment to go towards my payment that was due on XX/XX/XXXX. Mr Cooper misapplied this payment and put it towards the additional principal. I called to have this fixed. Mr. Cooper then reversed the payment to additional principal and applied it correctly towards a partial payment. When I went to pay the balance ( before my XX/XX/XXXX due date ), I see they reversed the partial payment and once again applied it to additional principle. I called again, and Mr. Cooper once again fixed the issue. Now on XX/XX/XXXX I go to make the remaining payment and noticed that Mr Cooper once AGAIN reversed the partial payment and applied it to the additional principle. Now I have been on hold XX/XX/XXXX from XXXX and it is now XXXX ( 2 hours with no fix ) so I can pay the remainder of my balance that should be due. They are showing I owe the full months payment and will not apply my partial payment funds correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is my third attempt to have Fifth Third Bank prove that I was in the bank when a teller showed my husband the details of MY account which they never should have since he was not on the account. They claim I was in the bank with him at the time which I was NOT. I was at home recovering from XXXX. How can this case continue to be closed when they violated my privacy and their own published privacy policies? I will continue to fight this inappropriate and illegal action against me. 

I have also asked for copies of all bank statements of all accounts including mortgage. They have failed three times to provide it all. They provide pieces or duplicates and then tell me they won't provide anymore. I expect ALL COPIES OF ALL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I recently received a strange, accusatory letter from Designed Receivable Solutions in the mail claiming that I had not paid my medical bills from XXXX XXXX Hospital.  This was initially alarming because XXXX withdrew the last amount owed from my account when it was due in XX/XX/2018. We had set up an auto payment. Everything has been paid in full. I checked my XXXX XXXX account and the balance was {$0.00}. I became very suspicious because something does not seem right with this bill from Designed Receivable Solutions. They are claiming I owe a balance of {$390.00}. They are also attaching interest to this amount every week that it goes unpaid. I have found multiple reviews online claiming this company is a fraud. They have been scamming people out of money for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX. 
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?

Thank you

Company response to consumer: Closed with explanation