vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 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: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX  and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sold my mortgage to XXXX XXXX the day after I closed in XX/XX/2007. Wells Fargo claims to be the servicer AND holds the note according to evidence and a statement they declared in my forclosure court case. How can this be possible with no paper trail or any documents showing this sale ever took place tying Wells Fargo and XXXX XXXX together regarding my property? How do I know it wasnt sold again to another investor that will make me liable years from now. The way I would know, according to my mortgage contract, says that whoever holds the note is the owner. Thats not the case, XXXX XXXX owns my loan. XXXX XXXX is the one that must forclose on my property. Wells Fargo sold my mortgage, along with its servicing rights and note, and was too busy to put anything on paper, so they continued to service it, and still do to this day. Not to mention, the note was never actually signed by Wells Fargo. It had a stamp showing the name XXXX XXXX XXXX Vice President Wells Fargo. I bet if we look at hundreds if not thousands of loans from XX/XX/2007, youll see this forged stamp signed off loans All across the country which would mean my note was never properly signed ( or dated ). It was not endorsed in blank which would make it impossible to transfer to XXXX XXXX in the first place. 
Wells Fargo forced this forclosure and in turn I have had to file bankruptcy which is ruining my life. No attorneys will help me, but they can see clear as day, that THIS IS FRAUD. Im tired of my life being affected because of some powerful jerks that dont care about my home. Im not leaving my condo if I have to shackle myself to the front door or Ride a donkey through the front doors or a Wells Fargo branch to get media attention. This is wrong and I NEED HELP. 
Cases exactly like mine have been handled by attorneys and have WON in the appeals courts for millions in damages to homeowners with the exact situation I am in. The difference is they have money for an attorney, I do not.

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 2018-09-25 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: IL

Complaint narrative:
I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: IL

Complaint narrative:
I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now

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 2018-09-25 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: IL

Complaint narrative:
I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now

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 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX has a secured credit card program that states if you make your payment ontin and no adverse usage the card will become unsecured and an increased credit limit will be applied. I open a secured card with XXXX and made payments on time never lat no over utilization a FICO score of XXXX with no delinquency in my credit history. 

I was congratulated by XXXX for my management of my account and they upgrade the card to a unsecured.They did not increase my credit limit I was told they would like to see how I pay the same credit amount to consider an increase in the credit limit. This is contrary to the promotion that they offered. A friend who referred me to XXXX had negatives and adverse info on his credit history but after doing the same secured promotion he was given an unsecured limit of 1000 % and was never asked to show how he would pay the unsecured credit line before they increased the unsecured credit limit. This is discrimination and this is unacceptable.I spoke to a supervisor by the name of XXXX XXXX in XXXX credit operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have contacted the Experian to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have contacted the XXXX to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have contacted the XXXX  to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I suffered a massive XXXX in XXXX. My wife has been handling our families finances. In XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from XXXX  or experian. Im unable to answer security questions because they dont pertain to me. Please 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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I suffered a XXXX  XXXX in XX/XX/XXXX. My wife has been handling our families finances. In XX/XX/XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from transunion or XXXX. Im unable to answer security questions because they dont pertain to me. Please 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 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Beginning in late XX/XX/XXXX through XX/XX/XXXX, Chase XXXX Card and Chase XXXX Card. My previous employer had agreed and had been paying my cards for over two years to cover allowances and company expenditures. We got into altercation in late XX/XX/XXXX, and I quit. He in turn started reversing the charges by lying to the bank stating he never authorized. Even. The banker was aware of the authorization. Once I noticed the first charge was reversed back I immediately contacted chase and informed them of the situation and that I disputed the reversal. I never received any communication back from Chase other than the notice regarding the reversal. Within days, both Chase Card accounts were closed and removed from my online access. I hired an attorney an requested Chase send need my statements from XX/XX/XXXX-XX/XX/XXXX, since I could not access. They still have not provided. The employers ex-wife is in upper management in Chase and I feel she may have something to do with these actions and I would like it investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Debt was placed in collections 2 days ago from an account that was supposedly open XX/XX/2018. I do not have a bright house account and this is not my debt that they are trying to collect. I never received any phone calls or letters from this company ( Waypoint Resource Group ) in the past 7 months. The company does not answer calls or return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NC

Complaint narrative:
XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Io, Inc.
State: NC

Complaint narrative:
XXXX  and XXXX  removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX  the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: KY

Complaint narrative:
Victim of equifax Data breach. Unauthorized hard inquires on Equifax report. They refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kehoe Financial Group, LLC
State: NJ

Complaint narrative:
Company Keeps calling me and has also called other family members which is harassment.. Company calls at all random times of the day and excessively on weekends

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We received an escrow analysis indicating that we have a shortfall and upon review of the analysis we discovered that our PMI ( RBP ) insurance payment increased more than 22 % beginning the month of XX/XX/XXXX ( highlighted on included documentation ). We called the customer service and spoke with XXXX and she explained to us that it increased because the value of our home increased. Surprised by that answer, I told her that my hazard insurance covers my property not PMI. If my property value increased, then it makes sense that my hazard insurance will as well, as it does from time to time. I explained that my loan value ( which PMI insures ) is actually decreasing over the length of the loan and PMI should decrease accordingly. She replied reaffirming that " the property value '' is what she was told as to the reason. Unsatisfied, I requested to speak with someone else, but was told someone would call us back. Never heard back and thus, this complaint. I would just like an explanation as to the increase in my PMI for the months in question ( XX/XX/XXXX - XX/XX/XXXX ) and an adjustment as appropriate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation