vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 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: NC

Complaint narrative:
I have disputed information on 3 different collections on my Equifax Credit Report. I have contacted all 3 accounts to verify the collections and all 3 of them stated there was no record of the accounts in my name. 
First account is XXXX  / XXXX XXXX for {$360.00} The second is XXXX XXXX XXXX for {$30.00} Third is the same as the second XXXX XXXX XXXX for XXXX.. 
I disputed the accounts and asked Equifax to remove the accounts or verify and provide me proof that they are mine ... I haven't received any proof and they remain on my report ... I personally called each collection and was told they are no record of the account..I would like Equifax to do there job correctly and remove the collection accounts or show me proof that the accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.

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 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PROSPERITY BANCSHARES, INC.
State: MD

Complaint narrative:
I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: NY

Complaint narrative:
Experian has not provided any contacts, signed contract, sources or verification methods as required under the FCRA for an item I have disputed several times. Even though on different occasions I have requested such information, Experian, continues to ignore these requests and reports the now outdated account as verified. This account is not only erroneous but according to their reporting, as of XX/XX/2018, the account is now over 7 years old. This account is not only erroneous but is also outdated and should be deleted immediately.

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 2018-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck  guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Experian, I asked for validation from Experian. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX  and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal. 

I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX  and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ). 

My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: MD

Complaint narrative:
Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: OR

Complaint narrative:
After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Equifax, I asked for validation from Equifax. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Obtained a student loan from XXXX XXXX which we thought to be a reputable loan provider. It is now with Navient and the terms of the loan, while perhaps unchanged, are predatory and unrealistic to any consumer. Loan was initiated in XX/XX/ 2006 with an principal ( loan amount ) balance of {$31000.00}. After making consistent payments for over 12 years ( approx. {$57000.00} PAID ), the principal amount has INCREASED 40 % to {$44000.00}. I owe MORE now than when I started. How can this be legal?? It certainly is not ethical. Looking to ensure others are not damaged by this type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
In XXXX of XXXX, I was in debt. In XXXX XXXX credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked XXXX to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from Law Offices of Howard Lee Schiff, P.C.. They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with XXXX. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very stupid. The last time I went to court I was basically bullied into a payment agreement with the Law Offices of Howard Lee Schiff P.C. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by Howard Lee Schiff, P.C. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.

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 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.

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