vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!

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 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a summons but never received any prior notification on the attempt to collect the debt. Was not given the opportunity to dispute, validate or pay this debt. I only knew about the summons because I was contacted by a  3rd  party. There is also no validation of the debt in the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: AFNI INC.
State: TX

Complaint narrative:
AFNI- XXXX . - Reported on  XXXX   XXXX ,  2013  {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . The  Collection Agency Convergent Outsourcing , Inc. is   the  XXXX  reporting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management calls me two or three times a day at work trying to collect some debt they say I owe. I have asked them to stop calling me at work a repeated number of times but they continue to call. The latest call was this mornin g, Wed  XXXX   XXXX  at  XXXX   XXXX , The man gave his alias as  XXXX   XXXX  and number as  XXXX   XXXX   XXXX . So far they have been polite but there calls are interfering with my job and they need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
I am a victim o f Hurricane   XXXX  (  XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with  the bank  XXXX   XXXX   ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad "  XXXX  loans '' to a  3rd party bank (   Statebridge  Bank in Colorado  ).   IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am  fully   XXXX  ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH.  XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a  XXXX  Victim PRIOR to   XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised  value!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's  may sta y on the Credit Report for 7 years from the date of the  1st deli nquency with the original creditor (  XXXX   XXXX  ) which  is  XXXX  2009 ( see t he attached statement ). Cavalry  Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of  Negotiable Instruments, Cav  alry Portfolio Services has no standin g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it was  Jefferson  capital which I received no notice what so ever via mail. Which violated my rights to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC has tried to collect a debt and I sent out a letter asking them for proof of the debt because the amount they were requesting was higher than the debt. I told them not to contact me via phone and I did not receive any information about the debt they were trying to collect or proof on the amount. I have this on my credit report and I did not get proof as to what the debt being collect or amount was for so I do not know if this is my debt or not. Company did not send me any information therefore I do not believe it should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TN

Complaint narrative:
I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.

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 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!

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 2017-05-24 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: NV

Complaint narrative:
I was never past due and the credit companies are stating I was, I have proof

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 2017-05-24 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: NV

Complaint narrative:
I was never past due and the credit companies are stating I was, I have proof

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 2017-05-24 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: NV

Complaint narrative:
I was never past due and the credit companies are stating I was, I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Orginally I had an amazon synchrony bank  ( GE Bank   spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went  up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  Amazon  user board.     We bailed out this bank and this is how they treat us?

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 2017-05-24 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: SC

Complaint narrative:
Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.

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