vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Wells Fargo. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well sent to Wells Fargo. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX as well as all original loan documents. As well as the actual lender of the VA home mortgage loan There are several discrepancy 's and deceptive mortgage practices and fraudulent activity regarding my mortgage that has been discovered. 

Another thing I want to point out is that my last complaint to the CFPB, Wells Fargo stated that they needed to talk to Mr. XXXX the attorney on the foreclosure case that Wells Fargo dismissed and then release the mortgage to me. However Mr. XXXX was my attorney on the case. Wells Fargo had there own attorneys who were XXXX, and XXXX who stated I was the owner of the home free and clear. Then later a different story emerged as to the home ownership of my home. The fact that Wells Fargo needed to speak to my attorney Mr. XXXX first before responding back to my Consumer Financial Protection Bureau complaint back in XX/XX/XXXX is very strange to say the least. Meaning that something happened, or a deal was made with my then attorney Mr. XXXX and Wells Fargo that i'm not aware of as to what it was. As well as to corroborate whatever story or deal that was made regarding home ownership. I'm also requesting Wells Fargo to state who is the owner of the home. Meaning is it me or someone else.

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 2019-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC violation inaccurate information showing on credit. Violation FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC violation inaccurate information showing on credit. Violation FCRA.

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 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Swiss ColonyXXXX XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is with Experian failing to acknowledge documents receive from creditors involving identity theft. I have filed identity theft reports and sent them to Experian several times in the past. Recently, I receive documentation which excludes me from the following accounts XXXX XXXX XXXX acct # ending XXXX and XXXX acct # ending XXXX directly from the creditors. However, Experian has not complied and removed this information from my file. As, I have submitted all proper documents involving identity theft. I am reaching out to the consumer financial protection bureau to assist me in this urgent matter. I have been unable to purchase necessary necessities due to Experian mishandling my credit file.

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 2019-05-31 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: CA

Complaint narrative:
On XX/XX/2019, I sent a letter and information via certified mail to XXXX, Equifax, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, Equifax, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXX XXXX, Equifax 's, and XXXX 's method of verification and it came back verified again. 

XXXX, Equifax, and XXXX failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, Equifax, and XXXX all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CA

Complaint narrative:
On XX/XX/2019, I sent a letter and information via certified mail to Experian, XXXX, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that Portfolio Recovery never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked Experian, XXXX, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested Experian 's, XXXX XXXX, and XXXX XXXX  method of verification and it came back verified again. 

Experian, XXXX, and XXXX  failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because Experian, XXXX, and XXXX  all failed to comply with the FCRA 611  ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America Credit Car was used in XXXX, to purchase a ticket. 

I been firing for this fraude, for over a year send Fax of prove that wasn't me, i send a screen shot of a XXXX receive and XXXX XXXX of my day in California the day of the purchase and they just send letter asking me for more information. 

I don't know what to do, is to much money and to much time fighting for this department, i already know all of them because its been a year of talking but i don't believe they could do something real to help me. i really need that money. 

I was never notify from the credit card department that my credit car was used in XXXX in 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 2019-05-31 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: NC

Complaint narrative:
I've contacted Equifax on numerous occasions to fix this problem but they keep insisting the information is accurate and have been verified by the collection agency. The 7 year drop off date differs from what is on my XXXX and XXXX credit reports. I believe they have re-aged these accounts for the sole purpose of prolonging the impact on my credit report. The accounts in question are : 1 ) XXXX XXXX XXXX XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX, 3 ) XXXX XXXXXXXX XXXX 4 ) XXXX 5 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX And XXXX XXXX ( XXXX  ) issued the check to me for the services performed by XXXX XXXX. However, this check with {$2000.00} was mailed without requiring my signature. It was stolen by someone I didn't know at all and got cashed out. 
I called XXXX, as soon as I found out. The customer service refused to do anything else, but asked me to file the " Affidavit of Check Fraud by Payee Forged Endorsement '' with Wells Fargo. Then I filed the form and got the notary public in late XXXX, XXXX, and mailed it to Wells Fargo. I called the Wells Fargo a few times, and finally got the Case # XXXX. I was told the Bank was negotiating, and I had to wait. I didn't hear anything back from the bank, until I called again on XX/XX/XXXX. The Bank told me they closed out the case on XX/XX/XXXX, and didn't provide me any result, but only asked me to call insurance to reissue the check. 
Between this time period, both XXXX  XXXX  and I called the insurance company a few times, and the customer service always provided some misleading information, saying I need to file that fraud case, while I already did. So they obviously delayed the process. Finally XXXX  had someone connected with the Bank, but was told the Bank closed the ticket without any solution, just because the Bank didn't get the response from the other bank. 
The check issue date was XX/XX/XXXX, and I filed the fraud form on XX/XX/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 2019-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NE

Complaint narrative:
Derogatory mark appeared on my credit report from MIDWEST RECOVERY SYSTEMS to the tune of {$350.00}. No prior notice or contact was received from any company, no verification of the debt was even attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
XXXX XXXX/ XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me.

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching
the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Motor Credit Corp Account # XXXX Date Reported Open : XX/XX/2014 This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! Thank you!

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery {$1300.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before ARS ACCOUNT RESOLUTION S Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$660.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$660.00} Balance Updated XX/XX/XXXX This is a bill when i was involved in a car wreck all parties and my attorney involved in this was suppose to have this resolve have try numerous times contacting them This was not left up to my debt i have explain and talk to this bill collector they constantly gives me the run around and in direct numerous my attorney also should have reach out to them but they constantly reports it after speaking with XXXX she said due to privacy she couldnt provide her badge information that it should not be reporting after 2 years its still reporting to my credit as i owe they should have received they money from the other parties involved in the auto mobile accident

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 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.

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 2019-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Bank of America. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well that I sent to Bank of America. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX or alleged HELOC money withdrawal checks made by me. As well as all original loan documents as stated in my letter. Because there are several discrepancies regarding the HELOC. Also Bank of America is trying to Evict me from my home by using my spouse name to do the Eviction as if we have no connection to one another. Bank Of America is using XXXX XXXX XXXX XXXX XXXX as a cover up for the Eviction when XXXX XXXX XXXX XXXX XXXX stated not to have a record of my home or any involvement with my home several time via email.

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX Report Number XX/XX/XXXX Date Generated General Account Info Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX XXXX XXXX This company allows someone via telephone to open an account in my name didnt ask for proof of residency, didnt ask for state id or any types of forms proving thats me opening up an account they didnt even ask for a lease or anything to verify that was me and now they holding me responsible for an fraudulent activity account open in my name and reporting it to the bureaus

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 2019-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was sold to Carrington Mortgage Company by XXXX XXXX XXXX, which are both from XXXX. The mortgage was sold to Carrington Mortgage in XXXX and I have been trying to work with them for a loan modification. Well in XXXX, I was informed by Carrington Mortgage I was put on a temporary modification which my payments switched from XXXX to XXXX. I immediately informed Carrington on why the increase in which they had no explanation or they did not provide one. So, I attempted to make the payments which were on time until a flood occurred in my home. Once again I immediately contacted our service provider as well as kept them inform of everything going. Soon after that my husband took ill and had to have a transplant while we were located temporarily in a hotel. The transplant took place on XXXX of XXXX with us still trying to pay the mortgage along with the deductible. I then informed Carrington Mortgage I was having problem making the payments and could I go for a permanent loan modification. I have been dealing with them losing my paperwork after paperwork and being told one thing after another. I want help in keeping our home it being our first resident and really don't want to loose it because of miscommunication. Because I feel I have done everything they require and they come up with excuses. Today I was told my paperwork needed to be updated once again after mailing them a package on XX/XX/XXXX. Which they once again stated they did not have and I also have proof of every fax I have sen to them for paperwork requested by them. The customer service reps are rude and really are not knowledgeable. They went as far as to supply false information to get my family hopes to be told the program had not been in affect since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified '' without providing proof of debt

Company response to consumer: Closed with explanation