vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am writing to you regarding investigation results based on information provided to XXXX. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with Bank of America that it is an error within their processes and yet XXXX is unable to correct this reporting. I find this unacceptable and ask that XXXX   provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from Bank of America to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of  Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Diversified Consultants Inc. is reporting a account to all 3 major credit bureaus that is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter or ANY other communication from this company before attempting to start collection practices. I was never contacted before credit reporting. I have contacted my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Diversified Consultants VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have sent my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Filed a dispute with the credit bureau all 3, XXXX, XXXX and Transunion and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.

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 2018-08-07 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: FL

Complaint narrative:
Filed a dispute with the credit bureau all 3, Experian, XXXX and XXXX and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I attended XXXX XXXX ( location : XXXX XXXX, XXXX  - owned by XXXX XXXX XXXX ) in XX/XX/XXXX, for exactly 4 months ( XX/XX/XXXX - XX/XX/XXXX ). I moved back to my home state of XXXX and never returned to XXXX XXXX, nor attended any of XXXX 's colleges at any time after that. XXXX XXXX never obtained my consent to apply for any private loans. I was and am, completely unaware of any valid debt owed. 

XXXX XXXX was subsequently shut down in XXXX after being inundated with several class action lawsuits for falsifying/forging/obtaining loans on students ' behalf without their consent. 

I recently ( XX/XX/XXXX ) received a letter from XXXX XXXX XXXX, XXXX of XXXX, XXXX ; stating that I owed XXXX ( XXXX XXXX XXXX, which owned/owns XXXX XXXX ) {$5500.00}. 

XXXX XXXX XXXX has apparently purchased this old, fraudulent debt ( which is exactly 10 years past the California statute of limitations ; California statute of limitations is 4 years from the date of the written contract : XX/XX/XXXX-XX/XX/XXXX ) from XXXX and are attempting to collect on it. They have reported it to the credit bureaus and have, in turn, caused my credit score to drop over 75 points with all three bureas.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
KOHLS/CAPONE showed up as a hard inquiry on my credit report I did not apply for a Kohls /Capone credit card on XX/XX/2018 I have never owned a Kohls credit card Kohls fraud dept called me I called back they want SS # i'm not sure if they are who they say they are to give SS #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I applied for refinancing on my home. I turned in all required documentation. The bank said that everything looked good. There were some discrepancies. They were taken care of. Now is when it went sour. The man handling the loan when on vacation for two weeks, nobody handled it. when he came back I had to make numerous trips to bank to find out the status he says everything looks good. Then I find out that they took him off the loan and turned it over to a lady in XXXX, XXXX..From then on I had no personal contact with anyone. Through the following months, I had to talk to five different persons? Seems like ever time they sent it to the underwriters, the underwriters would sent it back to them for additional information. This went on up til XX/XX/2018, when I get a call that my loan had been denied. They said that a document would be coming explaining why! The bank sent a document, but I could not open it. The bank said that they would mail and e-mail me again. Finally I got the letter with postage dated XX/XX/2018? And was then able to open the e-mail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please view all enclosed attached documents and take appropriate steps to have bank and all re comply to the standards set forth for the protection from online consumer thefts. 

Initially noted theft XX/XX/2001. 
XXXX, XXXX provide more details with dates and time stamps. 
Because of difficulty with Ofcr. XXXX of the XXXX XXXX, PD, other venue is being sought out to expedite prosecution.

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 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.

I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.

Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I recently had my mortgage transferred from XXXX XXXX ( who I was completely happy with ) to XXXX XXXX XXXX, and this new company makes just charges endless fees. They charge a {$2.00} fee to pay online, which is absurd. I am trying to save the environment by reducing waste, AND I would be saving the company the expense of manually processing my payments. The fee that really pissed me off was an NSA fee which was incurred because I accidentally entered in my wrong account number for my first payment after the mortgage was transferred, entirely my fault and I have no problem paying that fee. My problem is the fact that they do not allow you to pay that fee online so you have to call their customer service line where you have no choice but to pay an additional {$5.00} fee so that I can pay off the original {$15.00} fee. I feel that my mortgage was transferred through no fault of my own, and now I am incurring all these new fees and inconveniences, that I never experienced with the almost ten years I was  with XXXX XXXXXXXX. I'm just pissed off and frustrated that there is nothing I can do about 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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a letter in the mail from Penn Credit ( ID Number : XXXX ) on XX/XX/XXXX stating I owe a balance of {$160.00} from XXXX XXXX XXXXXXXX XXXX  ( account  XXXX ). However, when I called the original merchant/creditor, they state there is no record of a balance being owed nor did they solicit Penn Credit to collect any debts. This balance was paid months ago ( payment confirmation : XXXX ) after I closed out the account with the XXXXXXXX XXXX XXXXXXXX prior to relocating to XXXX, FL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My name is XXXX XXXX. I had a loan from Wells Fargo Loan # XXXX for property address XXXX XXXX, XXXX, KS. It has come to my attention that Wells Fargo has a foreclosure settlement. In 2007 I missed one payment and was working on a loan modification for the loan. Wells Fargo used unfair practices when I was working on the loan modification. I ended up losing my home in XXXX of 2007 and lost my family, my job and of course a home to live. I like to pursue some type of restitution My current address XXXX XXXX XXXX, XXXX, KS XXXX phone XXXX. 
email - 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 2018-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old.  This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX is such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.

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 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times (  not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is in reference to XXXX which was closed out. I have requested a letter from XXXX ( the servicer of the mortgage ) stating that the issues I experienced was from loan origination not servicing. XXXX has told me on many occasions that this was not a servicing issue but when they routed the letter through USAA, USAA prevented XXXX from sending the letter to me. Ms XXXX XXXX ( XXXX ) told me on XXXX XX/XX/XXXX 18 that they could not because I had filed a CFPB complaint. It is disappointing that a consumer would be denied a request for correspondence as a punitive action for filing a complaint. 

Additionally, even thought the previous complaint was closed out I am still out $ 800-1000 of pocket. 

Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASHCALL, INC.
State: NJ

Complaint narrative:
I keep getting threatening call from XXXX ( XXXX XXXX XXXX ) Mediation Company, claiming that they are going to call my employer and get me fire, freeze my bank accounts and send a cop to my home to arrest me for some bad debt from 2012. 

They claim that they are filling a law suit in XXXX, New York and New Jersey and this will affect my employment. 

I asked them to stop calling me repeatedly and they keep robo calling me with the same message and when I do speak to someone they are very nasty on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My wife filed bankruptcy in 2012. The lawyer advised us that this would not effect me because I didn't file. The mortgage with Wells Fargo was in both our names. Because she filed bankruptcy they stopped reporting my payments and balance for the mortgage on my credit reports. I call every year asking them to start reporting on my reports. They want me to reaffirm the loan, but I was never released from the debt. I still continue to make my monthly payments. In XXXX someone from the company added to my report as a one time courtesy. It's unfair that I am responsible for this loan and can not get credit for it on my reports.

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 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: MI

Complaint narrative:
I signed up with service with Ameritech services in XXXX, 2017 so they could look into consolidating my loans under the Public Loan Service forgiveness program. I provided tax information, check stubs, income based repayment plan, public loan service documentation and other pertinent paperwork they said they needed to get me a fixed rate for my student loans. Ameritech said they would get all the information set up I would have to pay a fee to start the process and then additional money each month. I paid over {$600.00} for there services and they never processed the paperwork to XXXX   XXXX XXXX. They processed it to another company that indicated they do not handle Public Loan forgiveness and that I would have to get it set up through XXXX XXXX XXXX  on my own. I finally cancelled their service in XXXX, or XXXX 2017 after not receiving any information from loan providers that they received any documents by XXXX   XXXX XXXX. When I spoke with the person with Ameritech at that time they indicated they were not going refund me for there services as they felt they did there job. I spent months and months trying to get things set up racking up interest fees. Ameritech told me that they were going provide this paperwork to that provider and get me a set fee on my loans which was not true. That information was a lie and they scammed me. I eventually had to call XXXX XXXX XXXX and they indicated to me that I could have contacted them on my own and that many of these places like Ameritech scam people into paying money for services when it is something I could set up for myself. Ameritech never provided the services they committed to and at the end I am paying more monthly out of my pocket. I am upset with myself for trusting in this service providing personal information to them and never receiving any recourse or action for what they said they were going to do. I am asking to be reimbursed for all the fees I had to pay as well as the interest rates that were included for all the time I wasted when I could have set this service up on my own.

Company response to consumer: Untimely response