vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

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 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
We need your help. XXXX XXXX XXXX, sent us a letter in regards to removing our mortgage insurance. 

In the letter XXXX XXXX XXXX stated the following : 1. We could only use the improvements we made to the home in the last year.
2. We could not use current comps from the increased market.
3. We could not order a BPO for a valuation, but only could order a appraisal.
4. We could not remove the Mortgage Insurance if we were not at 75 %.
5. They quoted the appraisal to be {$470.00} and then came back and asked for {$250.00} more.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
Upon checking my credit report, I notice a collection agency by the name of AFNI with the original creditor being XXXX in the amount of XXXX. I do not have a contract with this company, therefore they are not allowed to try and collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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: CT

Complaint narrative:
I contacted Experian regarding two accounts that were opened as a result of Identity Theft Experian removed one of the accounts which was found to be fraudulent that being XXXX XXXX XXXX XXXX acctXXXX .... Bal Account charged off. {$5900.00}. They advised upon removal it was found to be fraudulent and was removed in 2016 Experian advised the Creditor requested contact as well. So I contacted XXXX as they said I should I then provided them all of my contact info per their request. Now a year later they reinserted the previously deleted information and Experian subsequently is verifying the account as my own since XXXX now has all of my actual information. This in itself in is a violation of FCRA and XXXX. This account needs to be removed immediately and any reinsertion is to be barred. I did the same thing with XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Account Number : XXXX .... 
I was advised this account was opened via a credit alert. Immediately notified experian and requested removal. I contacted the creditor provided them my info which they subsequently added to said account. Now once again Experian is " verifying as my own '' the information on the account was out of New york a place I have never resided. This again needs to be removed immediately. There was also a credit fraud alert on all 3 bureaus advising I must be contacted prior to opening any accounts which was not done as well. These accounts are fraud and should not be listed. If they are still on my credit in 30 days I will be filing a lawsuit against Experian. 
The following Inquires are also a result of the above listed fraud and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I accepted 3 student loans from XXXX XXXX in order for me to attend XXXX XXXX school in XXXX, Tx in which has closed. 

During the lifetime of these loans they have been deferred due to in school deferment and/or forbearance due to being unemployed and unable to pay money towards the loans. 

In XX/XX/XXXX I was XXXX XXXX XXXX and XXXX XXXX XXXX due to this devastating time I was unable to attend school and work. Therfore, I called XXXX XXXX ( now Navient ) to get my 3 student loans accounts in forbearance. The representative advised me that she placed a  forbearance on my account and it would cover up to 90 days of past due payments if any were reported as past due. However, once the accounts were transferred to Navient they claimed the account was not notated with this information so they began to report all 3 of my student loan accounts as past due. I have requested several times for the call to be pulled and reviewed, but Navient refused to listen to the call and investigate this concern further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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: LA

Complaint narrative:
A dispute against the company XXXX for a collection for {$240.00} was started XX/XX/XXXX. The  company reported to the bureaus to delete the collection from my reports XX/XX/XXXX. XXXX was updated showing as deleted. Originally filed a complaint with the BBB after 50 days from the original dispute, they stated that Equifax has 0-90 days to delete the collection from my reports. Making XX/XX/XXXX 90 days. My XXXX XXXX was updated this morning, showing that collection has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me. 
Its irritated my. Theyve called 5 times already today and will call 5 more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After XXXX XXXX, the entire XXXX part of Florida was declared area a XXXX XXXXXXXX area by XXXX. As a result, Wells Fargo offered a 90-day relief on my mortgage. I spoke to a representative from Wells Fargo and she told me that I would not have to pay my mortgage for 90 days. She also stated that I would be able to apply the payments from the 90 day relief to the end of my loan. I agreed and right after I received an email from XXXX XXXX, Senior Vice President, Customer Service Wells Fargo Home Mortgage stating : Were reaching out because you are located in a XXXX declared XXXX area. XXXX XXXX left extensive damage in your community. Our thoughts are with you and all of those impacted. 

We understand if youre not able to make your normal monthly payments during this difficult time. To assist, we have placed a 90-day payment relief period on your account. During this time : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together to discuss options that XXXX include moving those payments to the end of your loan or extending your maturity date. 

In XXXX, I received documents in the mail about preserving my home from Wells Fargo. Immediately, I called Wells Fargo to figure out why I was receiving the documents and they told me that the payments I missed could not be applied to the end of my mortgage loan. They said this is because I had an FHA loan. They said the only thing they can do for me is a loan modification. They told me because I have an FHA loan that was the option I had or I could pay the balance in full. I explained that is not what was told to me when I agreed to the 90 day relief. They transferred me to a mortgage specialist and she told me she would research the call. She called me back in XXXX hours and told me there was no evidence in where their representative told me that. 
That is a lie because I would not have agreed to a 90 day relief if they told me I would have to do a loan modification or I would have to pay my balance in full after the 90 days. From the beginning of this process no one from Wells Fargo mentioned a loan modification or paying to amount owed in full because I would not have agreed to it. I do not want my interest rate to increase. This makes no sense to me. Please help me with Wells Fargo trying to take advantage of me.

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 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. 

For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. 

If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. 

Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. 

Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.

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 2017-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I keep getting letters from different collection agencies. I do not have a contract with this company sunrise credit services. Therefore they have no right to try to put an account in collections when I do not have any contracts with this Company. This is illegal. There is NO contract.

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 2017-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This issue relates to the unacceptable fraud prevention Chase has in place regarding their co-branded XXXX credit card. I have never applied for the XXXX branded credit card, have informed Chase of as much ( via their customer service line, XXXX ) on numerous occasions, and have even changed my XXXX password. Nevertheless, there have been countless credit applications in my name ( reference numbers XXXX, XXXX, XXXX, XXXX, and XXXX ). Fortunately, in each event, the fraudsters guess of income to obligations has proven wrong and gotten the application denied. I reached out to Chase in XX/XX/XXXX to have them clear their credit inquiries from the credit agencies, which they did, and have repeatedly asked Chase to block any further XXXX credit card applications to no avail. As a result, I have had to place a credit freeze on my name. The fraudsters continue to seek approval from Chase with at least four applications within the last three months ( XXXX, XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and  the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have a car loan with Wells Fargo Dealership Services and XXXX Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a car loan with XXXX XXXX XXXX XXXX and Transunion Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation