vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX  whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.

Thank you, XXXX XXXX XXXX XXXX  p.s.

last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX  was inXX/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 2018-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I can't remember the exact dates, but over the life of my loan I have made payments and paid ahead when I can. This was an effective strategy to keep my payments manageable, until about 3-5 years ago when I noticed that my interests rates just so happened to go up and bring my amount due equal to the amount I was paying to get ahead.

I did my best to catch back up, even through an injury that limited the amount I could work for a time. At that time, I called Navient and expressed my concern, after never seeing my payments fall back, only to be told that they did not set the rates and that the rates were variable and set by the Federal Reserve as was my understanding when I took the loan.

I, now, know this to be an outright lie. On Navient 's website, it now says that the lender sets the rates. When my loan started it was around 5-7 %. It is now nearly doubled to 11.25 %. This is unheard of for student loans and unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Enterprise Systems, Inc.
State: MO

Complaint narrative:
We received an Order Of Withholding From Earnings from National Enterprises Systems for an employee. It appeared to be an official order compelling us to send the employee 's wages, citing Federal Laws in the letter. The letter stated if the wages were not received by XX/XX/2018, they would consider legal action against XXXX XXXXs.

After looking into National Enterprise Systems, it appears this is common practice for this company and it is illegal.

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 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this 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 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
harrassing to pay, calls all day long leave message at least 6 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: NJ

Complaint narrative:
This is on my credit reports, but is not my account : XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

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 2018-05-07 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XX/XX/XXXXpayment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by Wells Fargo this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behindXX/XX/XXXX through XX/XX/XXXX( Completely incorrect ).

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 2018-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA closed a brokerage account and mailed me a refund check. The check they sent to me was deposited in my bank account. The check was subsequently returned as 'Refer to Maker '.

XXXX  states the check was indeed returned.

USAA states the check was paid and will not do anything to help me recover these funds.

USAA mailed me a check for {$26.00} and the check was returned unpaid by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am refinancing a mortgage loan that is serviced by Wells Fargo and they are charging {$400.00} in " Pay-off '' Fees. I have asked ( 3 times ) for a specific breakdown of the fees and they have not provided anything more then : " These are the standard fees. 
Payoff Processing Fee {$250.00} and Lien Release Fee {$150.00} '' The fees incurred should not be more then {$110.00} or {$170.00} ( the County Reconveyance Fee for example is only {$92.00} and a pay-off statement fee normally runs anywhere from $ 5-60 ) In the email they also said there is a UCC Termination fee, which I do not believe applies to this kind of mortgage however the UCC Termination fee with the State of Calif is only {$20.00}. 
{$110.00} or {$170.00} =92+20+ ( 5 or 60 )

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 2018-05-07 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:
Greetings, I have a complaint against Experian that started to decrease my credit score since XX/XX/XXXX on a weekly basis without any apparent reason. Please see below : XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 15 points. 

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 6 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 3 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 12 points. 

I contacted Experian several times, wrote a letter by mail, and instead of giving me any response, today they decreased my score again. 
During this time frame -from XX/XX/XXXX-XX/XX/XXXX I paid off 4 credit cards. Two banks  increased my credit line -XXXX Credit cards -from {$13000.00} to {$18000.00}, and XXXX XXXX - from {$5000.00} to {$10000.00}. And this all happened within the same time interval. In spite of all this, Experian dragged my score from Good to Fair. 

Please help me deal with this company that decreases my score as much as they want without any solid grounds for 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 2018-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
in XX/XX/XXXX i open a home equity loan with XXXX XXXX. in XX/XX/XXXX Wellsfargo brought XXXX XXXX. My loan number was converted from XXXX XXXX account to a Wellsfargo account. i continued paying on my loan ( never missing a payment ). in XX/XX/XXXX i received a letter from Wellsfargo that the XXXX account was Charged OFF, Closed and that they will not attempted to collect money due. STOP making payment on this account. i then called several times to make sure the letter was true and accurate. Wellsfaro agreed that the letter was true. i also advised them that i was making payments on this account under another account number. they researched the information and called me back. ( the account is closed, charged off and there was nothing that can be done ) After stopping payments i received phone call from XXXX XXXX ( Wellsfargo supervisor ). XXXX XXXX and his supervisor went into my credit report and changed the report from account closed and charged off to account transferred over. i continue to call. in XX/XX/XXXX the U.S .Government gave Wellsfargo bank tax credit and funds for all XXXX XXXX bad dept. accounts My accountwas one of those account. After several months i reached back out to the department that handles the account being charged off. they replied that they could not speak to me  and my account has been changed. in XX/XX/XXXX wellsfargo began foreclosure procedures on my property. 
How can a Bank change account numbers on an account, write the account off, charge it off and close it. replace it with a new account number and forclose under the new 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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Banking ORIGINAL CREDITOR : XXXX XXXX BANK XXXX XXXX. 
DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/XXXX ORIGINAL CREDITOR CLASSIFICATION : BANKING LAST REPORTED DELINQUENCIES : XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX XXXX XXXX COLLECTION COLLECTION ACCOUNT UnknownLoanType Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I used to use XXXX 's XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX 's XXXX store in XXXX, Alaska closed their store and then I started getting letter from mcm-XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA-XXXX, phone-XXXX XXXX XXXX. 

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}

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 2018-05-07 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: NJ

Complaint narrative:
This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: NJ

Complaint narrative:
This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This will be my fourth complaint with Wells Fargo. I appreciate your efforts in getting the checking and savings accounts removed that were unauthorized. I reviewed your response about the secured credit card and would like to follow up. First I tried contacting Wells Fargo credit card customer service today, since in your last response you advised me that the secured card is mine and that you denied your claim. So when I called in to ask where the card is they say I activated since I never actually received one. In fact my mail was actually being forwarded and I just recently fixed this with the USPS. So when I asked the agent if she knows where the card is or if I can be sent one since I explained about the identity theft and how I actually never received a card, nor bill, nor even a call for that matter. She demanded I pay the past due balance immediately being as I never even received any bills or card. I asked when I would receive a card since I was told by Wells Fargo that this is my account. The supervisor told me they cant send a card until I pay the past due. Further explaining to her that I never received a card in the first place nor even a bill I asked if she could wave the late fee since I had no idea it was late in the first place. She said they cant waive it, nor can send me a card. So I paid the past due after she kept demanding it. What I am wondering now though, where is the card? You say that I received it and activated it, yet truly I did not? I would like the card, and to be able to pay online if this is actually my account? How can I go about this? Im truly upset that I am trying my very best not to hurt my credit. I didnt even know that a card was sent in the first place. Secondly I do eventually want to bank with Wells Fargo since I havent ever in the past. Going forward when will I be able to do so? When will I receive a card for the secured account you say that is mine? I never received a card to begin with. Wheres the bills going for the account? How do I obtain access to pay online? These are all unanswered questions.

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 2018-05-07 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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian keeps reporting 2 Bankruptcies on my credit, I have called them and my attorney has written them a letter that this information is invalid along with supporting documentation. They refuse to supply where they are getting the information because they claim its from the bankruptcy court on my report but they told me they did not report to them and this information is invalid I have NEVER filed bankruptcy. Why will they not supply me with the real source of their information. This is a violation of the fair credit reporting act. I have been fighting this for months and they refuse to really give me any valid proof or documentation I have requested of why this is on my report, it does not match the other agencies 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 2018-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2014, this debt for XXXX & XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company 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 2018-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this 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