vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: TN

Complaint narrative:
I have sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Over 8 years ago we went through the mortgage modification process that took over 2 years to complete.We proved hardship and were also victims of predatory lending practices in XX/XX/XXXX.

We were advised by Wells Fargo to not pay our mortgage during the modification process.Wells Fargo consistently told us each month that we did not have to pay during the modification process. We were assured that we would likely get a better rate, term and relief from some of the principal amount once we went into modifying the mortgage.

In XX/XX/XXXX we were told by Wells Fargo that we were approved for a loan modification. They extended our term, fixed the interest rate which was good however, then added {$90000.00} to our principal amount.

Wells Fargo put us on a probationary ( trial ) 3 months of payments at our new mortgage payment amount.

The new payment was considerably higher than the payments we were used to making prior to our hardship in XX/XX/XXXX.

We agreed to the new payments because this is our primary residence, we have no where else to go.

The only other options we were given from Wells Fargo after 2+years, was a short sale or foreclosure. This was in fact deceptive and it became obvious that Wells Fargo really only wanted to help themselves.

We have been struggling to make our payments on time ever since and have had to borrow money in order to stay out of foreclosure. We can no longer borrow money to pay Wells Fargo. We should not have agreed to the " new '' payments. If we just let Wells Fargo foreclose on us 8 years ago, our credit would actually be okay today. As a result of all this our payments are always late and our credit is terrible. The modification process that was supposed to help us has in fact hurt us financially. Wells Fargo can not be trusted.

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 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
The consumer received a letter from a law firm disclosing as a debt collector trying to collect a debt. I have no known transaction or contract made with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX  XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with XXXX XXXX XXXX XXXX. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list XXXX XXXX XXXX XXXX as under a bankruptcy. I was told ( in XX/XX/XXXX ) by a representative of XXXX XXXX that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' XXXX XXXX says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received countless harassing phone calls from XXXX XXXX XXXX for a debt that I have never heard of in my life. They call at all hours, and on Sundays, and they change the phone numbers they call from so I am unable to block them. I told them to stop calling and they ignored it. Please help! I have read so many online reports of this happening to others as well, so they need to be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.

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 2018-04-16 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.

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 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: PA

Complaint narrative:
Hello, I have been contacting them now for almost a month. they said i am not late and that my payments would start in XX/XX/2018. But they still have the late fee notice of my account. i have since then tried other options as far as uploading forms and forbearance i have with another lender. still no response at all. I feel like they do not want to work with me or answer any of my response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
they didn't provide me with my original signature, And two this letter clearly says pay XXXX balance 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 non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I have a personal loan with XXXX XXXX in XXXX, SC. This loan originated at the XXXX, SC branch on XXXX XXXX XXXX. The original loan amount of {$5500.00} with payments of XXXX that started XX/XX/XXXX. I have been having to pay {$240.00} a month because they want to " round '' the payment up but I am not seeing where the extra principal is being applied to my account. Last XX/XX/XXXX my payoff balance was {$3300.00} and now they telling me it is {$4100.00}. I pay ahead in large sums of {$1500.00} which covers 5 -6 months of payments. I now find out they have been charging interest for the months that are covered. When I log into my account online, my balance is {$5100.00}. I am tired of being deceived of this account balance. I have to call every month to get a " payoff '' amount that is more true because I can't keep track on my amortization schedule of the payoff amount. they call me every hour even though I am not late. I feel they are in CFPB violation of lender laws by not being transparent of my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: PA

Complaint narrative:
I contacted all three companies bureaus XXXX, experian, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with experian credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with wells fargo bank as well. They are also reporting accounts which have been resolved with XXXX  XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.

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 2018-04-16 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: AES/PHEAA
State: CA

Complaint narrative:
I have set up auto-pay twice with XXXX XXXX, only to check my XXXX   account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. 

Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX   county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MN

Complaint narrative:
I am disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested 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 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nicholas Financial Inc.
State: IL

Complaint narrative:
This dedbt was previosly disputed and should have been removed, since this entity is still pursueing this fraudulent matter i do intend to seek Litigation to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, On XX/XX/2017 Bank of America send a wire transfer on my behalf in the amount of {$11000.00} to XXXX XXXX, a bank in XXXX. The recipient name in XXXX is XXXX XXXX. I spoke with XXXX XXXX on numerous occasions and he said that the money has not been received since XX/XX/XXXX of last year. I then asked Bank of America to recall the money since XX/XX/2017 and they have not been able to retrieve the money from XXXX XXXX in XXXX. The Case # at Bank of America is XXXX. I have exhausted every avenue in trying to get the money refunded back to my account since XX/XX/XXXX of last year. I spoke with a representative at Bank of America, they said the money was first send to XXXX XXXX, then to XXXX XXXX in XXXX. The recipient said he never received the money. So who has the money,, XXXX XXXX or XXXX XXXX? This is a huge some amount of money and I can not afford to loose it. Please help me retrieve the money. 

Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: PA

Complaint narrative:
I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened: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 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX  consumers. 
It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, 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