vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To Whom it may concern : From XX/XX/2017 through XXXX XXXX I was on Medical Leave through FMLA, I was receiving sick pay I had accumulated over the 25 years I had been teaching for a public school system. My doctor would not release me to return to my job as a teacher so, I had to resign. When you are on FMLA you CAN NOT APPLY or INTERVIEW for other jobs. I had to wait for legal documentation my resignation was accepted. I knew once my money ran out we would have to live on one income. I called each of my creditors and sent a note to each of them through my online account. Which I kept copies of. I was told by some they would wok with me. When I started my job I had to go through job training. I was NOT PAID. I did not start receiving income until XX/XX/XXXX for which I paid our house note and took care of basics. I told them once I could make payments again I would go on line and do so ( The third week of XX/XX/XXXX ). From XX/XX/XXXX to present I have received phone calls CONSTANTLY at home on my land line, personal cell phone and my work phone. I am still within my 90 days, and the new company is a fire at will employer. If I keep getting phone calls at work I won't have a job to pay any debt. I was told I needed to call weekly to update, by people who can not understand or speak English. If you add up the weekly calls per creditor, it's a work day, that is just a repeat of the same exact information repeated. It takes an hour per call. If I don't get paid until the end of XX/XX/XXXX, a weekly call in XX/XX/XXXX and XX/XX/XXXX isn't going to change me getting money to pay. I DID NOT chose to not pay my bills. I am not paying on purpose. I CAN'T! I followed what the State of Michigan told me to do and how to handle my debt. I offered copies of the FMLA papers, and my resignation acceptance to prove I am not lying. They did not want the information. I have also had some of the people want my FULL Social Security Number or Credit Card Number, and Birthdate. I hang up. Why do you ask for information you already have on a screen in front of 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 monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: AL

Complaint narrative:
I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My current mortgage company - Wells Fargo will not allow me to modify the loan. The loan originally did not have an escrow account but was an adjustable loan. The now has an escrow account and still has an adjustable interest rate. I was told it was a fixed loan. Also, the Wells Fargo does not report to the credit bureau to show timely payments. Also, I was told I could modify the loan after a certain period, but now I am told that modification is not an option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/2018 I did a mobile check deposit of {$300.00} to my bank. According to the bank details and transaction balance, the check was posted in full to my account that day bringing my balance to {$320.00}. I also made a payment for {$290.00} which, according to the bank records displayed to me, was deducted and left an account balance of {$34.00}. Despite having a positive balance, the bank charged an overdraft fee of {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was diagnosed with XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XXXX XX/XX/XXXX. 

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees. 

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( XXXX XXXX ) is not a good indicator of my actual credit worthiness. I hope that ( XXXX XXXX ) is willing to work with me on erasing this mark from my credit reports. 

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( XXXX XXXX ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account. 

Your kind consideration in this matter is greatly appreciated. 
Regards, Your Signature XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called XXXX XXXX and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with Santander opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Chek Cash, Inc.
State: TX

Complaint narrative:
on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My problem is with WELLS FARGO .... MY MORTGAGE IS WITH THEM. When they bought out XXXX I have had a problem. Which was back I think in 2008 or before. Since this time they have said I missed a payment which was about {$620.00}. I feel I did not miss a payment. Since then they claimed I missed this payment, they have been charging me late charges. But now, my payment has increased to {$910.00} dollars. The late charges now are on the payment of {$910.00} dollars which has increased immensely. Since the original amount of the {$620.00} made late charges smaller. The past 7 years my payments have been on time. There is no working with them. I had ask for them to drop these charges, but to no avail. Each time they respond to me by e-mails it has never been the same person. I will not speak with them on the phone. Only way I correspond with them is by e-mail or letter. I tried the talking bit with them but my conversation with them was never what I said or what they said. No way of proving these conversations. I work for attorneys and I ask them for advise on how to handle this situation. I do all my own communication with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying unsuccessfully to cancel my subscription to Experian. 

I logged on to the website and learned that it is impossible to cancel it online. It instructed me to call the Customer Care Team at XXXX. I did so, went through all the steps of verifying my identity, and was given only options to ask questions about fraud or to obtain a credit report. There was no option to reach a human being, much less cancel a subscription. I repeatedly tried various approaches -- going through the menu for fraud, going through the credit-report menu, pressing 0, waiting on the line in the hope that a human being would answer. Eventually it would simply cut me off. I made three separate phone calls, verifying my identify each time and spending at least 20 minutes. I was never able to reach any Customer Care person or find any option to cancel my subscription. 

I went back to the website and saw that I could also email a request to cancel my subscription. I did so a week ago, and I have not received any response from Experian. 

I find it outrageous that a company makes it impossible to cancel a subscription. I am now going to contact my credit-card company in an attempt to stop further charges. I hope that the CFPB investigates and penalizes Experian for this unacceptable behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail, so as to not allow the borrower to have a paper trail. In addition, I have been locked out of my account several times. I have also called them several times and have received pushback regarding transparency of my records. I applied for the income driven repayment program ( IDR ), which I qualify for. When I applied in XXXX of XXXX, they told me that " it was too early. '' When I tried to apply for it just recently in XX/XX/XXXX, they told me " that I had to submit a letter stating that I had income, '' which was not one of the terms of the agreement. When I informed them that I did not have taxable income, the customer service representative went on a tirade against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I disputed A collection with Franklin Collection company through XXXX on XX/XX/XXXX that the debt was paid in full and should be removed from my credit because it is false reporting. It has been almost two months now and they have not responded nor fixed the error. They are saying I owe {$1000.00} which is false. It has impacted my score and I would Like it fixed and removed from my credit for good. My dispute number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: PA

Complaint narrative:
Mortgage settlement was on XX/XX/18. 
Pruchase amount {$170000.00} Actions by Consumer ( me ) : Reached out the VA Loan HQ,  Lender, Appraiser, Real Estate agents ( buyer+seller ) but received no useful help. 

Parties Involved Lender : Mortgage Solutions of Colorado, XX/XX/XXXX DBA ( Loan # XXXX ) Appraiser : XXXX XXXX XXXX XXXX, XXXX Seller Broker : XXXX XX/XX/XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX Broker : XXXX XXXX XXXX The appraisal was done poorly and the valuation came back the same value even after the XXXX Intiative. Many fees were incuured and the repairs that was ordered by the appraiser were done poorly and the damages are still here today ( attached report and images ). The repairs was ordered to " Remove debris, repair fencing and properly landscape rear yard '' but now I have to deal with broken fences and hazardous objects int he ground. 
Final Version Closing Disclosure was also provided only 1 day to closing when 3 days is the minimum. 

Additional complains to other local and federal regulators will be filed. Please advise other agency I may file with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: IA

Complaint narrative:
My attorney submitted two packages of doucuments via fax and direct mail. They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the RIS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by XXXX. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that XXXX is now in direct violation of the FCRAs 605B provision. Apparently, XXXX  is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have always paid my real estate taxes and mortgage insurance on my home. Ocwen once before tried to force me into a escrow account and I called and had it cancelled. They have once again did the same thing. They sent me a list of what I needed to do to cancel it. I did what they said and then they turned around and denied it and paid a back tax that they had no right paying. I handle that myself and now because of that, I once again owe them money and they are saying I can not cancel the cancel that escrow. My wife was on the phone with them for over an hour telling them, that we know all about the lawsuits against them and the sanctions that were placed on them for this very thing. She also informed them that if she did not hear back from them that a complaint was going to be issued. Every other year they are adding an insurance policy to my account when I handle my own insurance policy through XXXX XXXX. Its a battle to have that taken off my account even after my agent calls them and sends them the proof that I have insurance. Its a nightmare dealing with this company with all the sneaky things they do.

Company response to consumer: Closed with explanation