vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 

2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 

3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting a federal bankruptcy on my credit report. The reference number is : XXXX for the amount of {$0.00}. It says the file date is XX/XX/XXXX. This information is incorrect and is hurting my ability to obtain credit. I couldnt of possibly filed in XX/XX/XXXX when I wasnt even born until XX/XX/XXXX. I would like this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX. My car had to be towed by XXXX XXXX. It would not start. Tow truck driver was told to bring car to my mechanic in XXXX New Jersey. XXXX XXXX XXXX.. instead I was told I drove it to XXXX XXXX onXXXXXXXX XXXX XXXXXXXX. XXXX NJ. Because they are XXXX XXXX. Affiliated and they will give you 20 percent discount if work is done there.. I decided to try and see if it was good idea. I told The personnel at XXXX. Please call with quote before anything is done. Only to receive call hours later that car was ready and its {$480.00}. I said Im not paying that I did not approve work. He said Ill call u back with better price. He then said $ XXXX cause he shopped for lower parts and battery. Although unhappy. I went there to get my vehicle. And gave my card, I went to start my car. It would not start. All red lights came on. I said this will never pass inspection and Im not paying until they fix it. He said it wasnt doing any of this mess.. he said dont worry about card. I dont think it went through., Ill call you in a day. XX/XX/XXXX around XXXX XXXX I called and was told still working on it. At least 4 days went by. No words from shop. I noticed charge on my account from XXXX XXXX   for {$390.00}. I asked my bank. Wells Fargo to file dispute. And temporarily placed back my money in my account. After 5 days they call me and said for another {$1400.00}. They can do repairs that they found the car needed. I said its not worth it its a XXXX XXXX XXXX. With several dents had water damaged and conks out all the time. None of those prices guarantee me a great running car.. I said please find lowest price battery and would you know anyone interested in purchasing vehicle.. I checked blue book value. And for car condition. It came up to between 200 and 500 dollars. I asked XXXX XXXX to hold it and let me know if someone wish to purchase and I told them about the card going through. He said Ill give you XXXX for car. And you can deal with your bank and theyll fix that..

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 2018-05-30 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I make my student loan payments every month with no problems. I'm grossly misinformed as to what Nelnet is doing with my student loans. One day Im told I qualify for a payment thats manageable and then the next Im told Im on a payment plan that the payments go up after a certain amount of time because Nelnet thinks Im making more money each year. So I file paperwork that shows the XXXX XXXX XXXX I work for still pays me the same if not less than what I made 4 years ago. So Nelnet decides to not only go ahead and increase my payments and also not tell me about the increase. Then they harass me with emails and phone calls telling me Im past due and refuse to fix it and bring my student loans up to date. They are threatening my credit, they are threatening my stellar repayment record. Nelnet needs to get their head out their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery Service alleges an account ending in XXXX which is unknown to me. I have asked for verification/validation of this this alleged debt be original creditor which has not been received. Violation of FDCPA and FCRA, as this has harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX XXXX took over servicing our bank of America mortgage last XX/XX/XXXX. We were 2 months behind at that time .They XXXX  would take weeks to process payments never went any more than the 2 months behind. Was always sending alittle more to build unapplied funds to catch up, but they always seemed to change monthly amount owed. In XX/XX/XXXXpayed payment, later to find out they never applied that payment. Sent the next months payment and they sent it back, stating to send cashiers check, I sent a cashiers check for XXXX   and then they would not apply that. Then I called they said sorry your no in foreclosure process. Had they applied any of these payments to the account it would have never went so far behind. I have copies of the check and cashiers check. This company intentionally did this to make this happen

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 2018-05-30 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was reviewing my credit history with an advisor and seem to have a hard inquiry from a company that i've never heard of or been affiliated with. The company pulled my information on XX/XX/2017. The company is XXXX  in XXXX, FL XXXX. Phone line is ( XXXX ) XXXX-XXXX. Upon further investigation in my records, this is fraudulent activity.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
It has been a nightmare dealing with Ocwen Loan Servicing for over 8 years for a possible loan modification. Ocwen Loan Servicing has denied my request for a loan modification incorrectly over 35 times by providing the deceptive response indicating that there is a problem with the title to the property that has nothing to do with the owner to the property but Ocwen Loan Servicing lien against the property that is considered to be invalid and void. Moreover ; Ocwen collected over {$80000.00} as a monthly Trial Period with the promise of finalizing a predominate loan modification and this is while the property was in an active foreclosure. Which is considered to be unlawful. 
There have been several correspondences from the Ocwen Loan Servicing attorney confirming the issue with the invalid lien. On  XX/XX/XXXX, XXXX XXXX XXXX the attorney representing Ocwen Loan Servicing in an email correspondence to my attorney indicated : The modification offered to XXXX XXXX is contingent on clear title to the property. Upon investigating the title report, we discovered that there is a {$290000.00} outstanding lien on this property from XX/XX/XXXX that was never released. I have attached a copy of the deed of trust evidencing this lien. The implementation of the modification is being held up due to this cloud on title, but we are working with the title company to try and resolve this matter. To be clear, the modification has not been declined but is instead pending clear title. While we continue to work on the title matter, would you please check with your client in case they have any documentation showing that this lien was paid off? Not sure if this attorney has any understanding that, as a homeowner, I would not have copies of the documents related to prior owners loan and release of lien. 
Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Regretfully ; Ocwen Loan Servicing the Debt Collector, Servicer is ignoring the California State Law! Ocwen Loan Servicing is obligated to postpone the foreclosure sale date that is scheduled for XX/XX/XXXX. Not sure how you can pursue the foreclosure sale when the debt collector Ocwen Loan Servicing does not have a valid lien against the subject property. We reserve the right to take legal action against Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX XXXX states I owe XXXX. When I discontinued my service I paid the outstanding bill and returned all equipment. XXXX has placed this alleged debt in collections. I disputed the debt with the collection agency. I also talked personally with a representative form XXXX XXXX and I was told I have a XXXX  balance. I think that XXXX  is trying to take advantage of me because I am a elderly person. I know what the representative told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: LA

Complaint narrative:
I am an victim of idenity theft and my police report has been sent and received to XXXX  and they refuse to reach back out to me on why my inquiries have not been deleted after three months of continuous calling and sending police reports. I need the following inquiries removed that I did not authorize XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Sales Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry fromXX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry from XX/XX/XXXX+ Miscellaneous Reptg. Agencies

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 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My current mortgage is held by XXXX XXXX The attached document 's show that this loan has been transferred multiple times with the wrong property and legal description. 

This makes my mortgage lien invalid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
I wrote a letter to Collection Consultants on XX/XX/XXXX, letting them know they could no longer have my medical collection debt because of HIPPA violation laws. They returned a letter to me on XX/XX/XXXX, verifying they have the debt and they still wanted me to pay for it. It is beyond the statute of limitations ( the debt is over four years old and the statute of limitations in California is four years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX there is a hard pull on my credit report from Capital One. this is fraud. To date, I should only have 2 inquires from Capital one. 1 being from my auto loan that I refinanced through them and then another more recently one in XX/XX/XXXX. The XX/XX/XXXX one is correct, this is for a credit card that i applied for and then closed given that i was not aware there was an annual fee. I have had suspicious activity on my account that i have disputed and can ultimately say this is fraud/identity theft. I have not applied for anything other than my car loan and this most recent credit card with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I am being contacted at work by a company called Diversified Consultants. I have asked for them to stop calling, they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
Ive had nothing but problems with pheaa from the beginning. They always made sure I was unable to get ahead of the loan, refused to work with me paying back the loan after I lost my job, and even did an illegal wage detachment against me without notifying me and began this wage garnishment on me just after 2weeks if starting a new job and being without empl Yment for a few months. After losing my job this past XXXX, I contacted them asking them to work with me and they wouldnt budge, I informed the customer service rep that I had no means to keep up with payments and they didnt care, the rep actually stated, well thats why we get people incomes returns. The conversation ended with the rep telling me to inform them when I find a job so they can continue garnishment. After that I never heard anything except getting balance statement with added interest included. The last statement I received was XXXX invoice and it stated that I owed over {$11000.00} and XXXX was projected costs. Turns out I would be filing ladt years and this years income taxesSo I assumed I owed {$9000.00} to pheaa if paid off with with taxes. I was wrong!! Turns out Pheaa quickly learned I was claiming 2 income tax return years, and in midst XXXX, they send me a letter demanding immediate full payment, claiming I was late in repayment ( I wasnt though because theyve made me pay about {$9000.00} in garnishment in a yrs time ). In this letter it said I owed al ost {$120000.00} and payment needed to be made in full. I was supposed to receive {$9700.00} back from XXXX return and {$7000.00} for XXXX return. While my taxes are being processed, I am awarded loan consolidation amongst XXXX to and pheaa both and included all of them in consolidation. I get approved for this but also find out that Not only did PHEAA take my entire {$2000.00} return of {$7000.00} but also took nearly {$3000.00} of my {$2000.00} return. NOT ONLY THIS but THEY ALSO got XXXX to buy my loans from them so all the money that pheaa has taken and robbed from me, A total of over {$20000.00}, but the amt that I had originally owed them ( {$15000.00} ) hasnt changed. I STILL OWE EVERY PENNY as if I never paid a cent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: MN

Complaint narrative:
In XXXX of 2018 I requested Experian, XXXX and XXXX to validate the collections that they have reported on my credit report. Experian, XXXX and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX

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 2018-05-30 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: AZ

Complaint narrative:
on XX/XX/XXXX a Hard Credit Inquiry was placed on my Account without my Knowledge. No creditor information was provided for me to contact the agency.

I believe my Identity has been stolen as this is the 4th invalid/ false inquiry placed in my name in the past 4 weeks.

This Inquiry came from : XXXX/XXXX and it says its a Bank card.

I did not apply for any bank cards and I do not know what or where this bank is. 

This was done without my Authorization and no signature or identity proof. This needs to be removed from my Account Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im the victim of Id theft an company is listing 20 inquiries that are 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 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Nearly 30 fraudulent transactions were done on my small business   account. I contacted B of A on XX/XX/XXXX. They could not help me over the phone, and stated that I would need to print of Unauthorized Corporate Return Form, and list all fraud transactions, then fax it back to them ( what an inconvenience ). Never the less, I did that the morning of XX/XX/XXXX ( from the B of A branch in XXXX, TX ). I was told the processing time was 48 hours. As of XXXX XXXX CST on XX/XX/XXXX, my accounts are still frozen, deposits or pending, I can not make payroll, I can not pay vendors, amongst other things. As you can imagine, this is very very problematic for a XXXX XXXX XXXX. I need this escalated as soon as possible as this is now costing me customers, putting my credit at risk, and putting my contractors in a position not to work since they can't cash their check. PLEASE HELP!!!!

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 2018-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
My complaint involves an apparent policy of US Bank, XXXX XXXX in XXXX XXXX NV. I was told it is a corporate directive. 
I've had a XXXX XXXX box there for a few years and was recently informed my contract for the box was out of date. On XX/XX/2018, I went in and completed and signed a new contract with XXXX XXXX XXXX. But when I requested a copy for my records I was told the contract is an internal document and I could not have a copy. 
I appealed to Manager XXXX XXXX XXXX who again said I could not have a copy and if I insisted that they destroy their copy she would cancel my box and give me the contents. 
I pointed out that it was absurd to have a contract where only one party has a copy. This seems to be not only a poor customer service policy, but also possibly an illegal unfair business practice. 
I request that you investigate the situation and aid me in obtaining a copy of my contract.

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