vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A check drawn dated XXXX/XXXX/2017 on my XXXX checking account was written to my sister and mailed from my home mailbox in Florida and was addressed to go to Ohio. However, the check cleared my account on the date that I wrote it and placed it in the mailbox. This alerted me to the fact that there was a problem with who had negotiated the check. The check has no signed endorsement and was processed by Wells Fargo Bank. XXXX XXXX XXXX had me complete their Fraud Statement of Claimant form. The payee of the check also signed this form declaring that they had not negotiated the check. On XXXX/XXXX/2017 XXXX claims to have mailed a Demand Letter to Wells Fargo. XXXX has not given me any credit for the funds debited from my account. Upon inquiry of the claim status, XXXX representatives stated that I needed to wait 120 days for WFB to respond. On XXXX/XXXX/2017 I called XXXX again, and pushed to speak with a representative, who did a follow-up with WFB. On XXXX XXXX, 2017 XXXX states they emailed an inquiry to WFB. On XXXX/XXXX/2017, I called XXXX and they stated they received an email from WFB on XXXX/XXXX/17 stating the claim was " pending research ''. Wells Fargo accepted a check by one of their customers who negotiated a check fraudulently through WFB. Why is it taking so long for WFB to research the transaction?? I am sitting waiting to receive my {$110.00} back from WFB because they are responsible for the payee signature or lack there of, and processing this check for their customer who committed fraud.

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 2017-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: MN

Complaint narrative:
We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
for years i have been trying to get a lower payment or try to find some solution to help bring my mortgage back current with the mortgagee without having to pay all the past due amount in one payment. being in and out of work it is illogical that i have that type of money laying around the house. Loan care has had me in endless reviews and never giving me a solution. they have been not willingly and viciously denying me for any assistance and have scheduled an auction sale date an abundant amount of times. i have explained the financial difficulties both medically and financially and they are not willing to help me at all. i am about to lose my home in which i am not happy about. loancare is going to leave me and my family homeless. everytime i am asked to send in a package they are required to have in order to review my case they always asked for endless information and information that has been sent to them numerous amount of times. they always close out my case and deny me due to never recieving the documents on time. when they have it in their records that they have been received. i need help from authority at this point to help me save my home and help me get the correct assistance i need from my lender. they ignore middle class & minorities like myself and my family. it is not fair i have to go through this when all i am asking for is help. i am not purposley missing or failing to make the promised mortgage payments. i simply was not able to at the time. my husband and myself are now employed and are able to keep up with the mortgage but we need help to come to some sort of agreement with Loancare for an affordable payment. they know as i have been providing them endless information that when the loan was acquired i was in my first marriage which failed and lost that source of income. shortly after i lost my employment. however since then i have been asking Loan care to help me and they just do not like minorities and are not willing to help in any way. i am remarried and again both have steady income. i just need the consistent help of Loancare as i have consistently been asking them to help me. please I NEED HELP TO KEEP AND SAVE MY HOME.

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 2017-08-11 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: Nelnet, Inc.
State: WI

Complaint narrative:
I have student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: NV

Complaint narrative:
I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX  XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.

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 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

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 2017-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
per fcra this company is entitled to provide proof to me regarding the debt to ensure it actually belongs to me.. I have made several request for them to provide proof and no proof has yet be submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
Upon my daughters graduation in XXXX, we have accrued over {$100000.00} dollars in student loan debt. All of which are through Navient and XXXX XXXX XXXX for parent plus, and sub & unsubsidized loans. We have tried on multiple occasions to apply for forgiveness or an income based repayment but each time, Navient refuses to help us, stating that we make too much and the best they can do is refer us to forbearance which we all know just increases the interest and makes our monthly payment more impossible to pay. We are now trying to pay over {$700.00} a month on these loans and we were forced to file for deferment yet again! We literally can not get these loans payed off and we do n't have the finances to pay such high interest. We called on XX/XX/XXXX to file for deferment again. When we started repayment In XXXX our monthly payment was XXXX and now 3 years later we are at over {$700.00} a month with multiple deferments and no promise of it changing nor have we received any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.

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 2017-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc.
State: CA

Complaint narrative:
After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to XXXX XXXX XXXX ( XXXX ) and asks for {$370.00} as the amount due. My last business transaction with XXXX ended in XX/XX/XXXX with an auto lease termination and all charges paid in full ; no further communication from XXXX was received after that. I called XXXX on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The XXXX agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute. In my mind this is an attempt by SRA to extract money from me for a bogus debt. Watch out for communication from SRA and do your homework to verify that the alleged debt is real. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.

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 2017-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( Equifax, XXXX and XXXX ) and the account is paid in full.

Company response to consumer: Closed with explanation