vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orions Management Group, LLC
State: AL

Complaint narrative:
ORIONS MANAGEMENT GROUP LLC has call my cell phone repeatley I have ask them to supply me with proff that this a debt I owe they have not. 
ORIONS MANAGEMENT GROUP LLC has called my home repeatly about this same debt the refuse to show proff of, then a woman from this company start telling me I am reading your credit report you dont pay your debts. They refuse to give me a fax number so I can fax them a letter requesting them to contact me by maile only

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i have a report of a account on my credit report the name is XXXX XXXX XXXX for a loan I did n't open this account and it 's not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.

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 2017-10-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a apartment and got denied. When asked by the agency what the issue was they sent me a report stating a company called CBNA, which I never heard of. And it said that I owed {$1100.00} had credit of {$700.00} & that the account was opened XX/XX/XXXX and last active XX/XX/XXXX. There 's also a -40 points on the screen and it says account type charge. I do not have s credit card, I have not activated one and I did not authorize the use of this transaction. This is preventing me from moving and getting a place. if I do n't get this removed I 'll be homeless.

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 2017-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: CO

Complaint narrative:
I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.

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 2017-10-13 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: KY

Complaint narrative:
I have tried many of times to work with Navient to lower my payments but to no avail. I was laid off from work in XX/XX/XXXX and did n't know what to do so they told me to go with forbearance, not knowing anything about it, I thought it sounded like the best idea. I was also told I ca n't set up any other payment plan becaus e I am out of options and I am about to be laid off again as of XX/XX/XXXX and ca n't afford XXXX a month payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TX

Complaint narrative:
This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TX

Complaint narrative:
This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

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 2017-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.

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 2017-10-13 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: FL

Complaint narrative:
Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DYNAMIC RECOVERY SERVICES, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX has been calling my wife and I for a account that was charged off back in 2006, For many weeks even after we told them they do n't have the right to harass or try to intimidate us over this matter and this matter was settled over 11 years ago and a number of debt collector ago where I made a offer to settle and clear the debt and never had further contact from any other debt collectors over the past 11years ; Now the XXXX XXXX XXXX have turned even more aggressive now we asked them to stop with the phone calls every other day and night for weeks on end ; They wo n't listen to our request and could only tell us that they are the fourth debt collection agency since 2006 that wanted to collect the debt even after I told I settled this matter and to cease and desist all forms of contact on this matter for it was settled 11 years ago and to leave us alone for the final time on this matter ...

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13 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 SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
I have been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
continued reporting of negative inaccurate information on credit report after being told it was being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Through nelnet, I tried to lower my monthly payments significantly due to my income. Orginally, my loan payment was almost {$800.00}. I also have private loans where my loan payment is {$900.00} a month and I could not pay either. I asked them to put me through a process to see if I can lower my monthly payments. I was put on foreberance for a month while they looked it over. I told them I needed more time than a month they said that 's all they could do. I also asked them if they could give me a general idea of what my new loan payment would be and they said {$150.00} due to my income. It took them over a month to process all my information. In the end they made my new payment {$300.00}. Something I still can not pay every month. I 'm now 60 days late. I either catch up on navinet or not pay my private loans. I constantly have to choose between XXXX or the other. I 'm so in debt I ca n't even live my life. I work XXXX jobs now and I 'm not able to get by. I tried to reach out to nelnet to see if they can help me out and they said there is not much they could do. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: IN

Complaint narrative:
I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you 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 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Unknown account and I have disputed and requested validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
According to my credit report, I have contacted them and requested my address, employment and account be removed. Its XXXX account that remains on my credit report TCS XXXX XXXX for a date od service in XXXX XXXX. I have contacted them directly. I spoke to a XXXX at XXXX and she told me that this billing company est. XXXX and they do not have any records of my information. She then told me to contact the doctor office XXXX XXXX and speak with XXXX at XXXX. They too have no records of me, by searching for my name and social. I was then told to contact the hospital XXXX XXXX XXXX XXXX in medical billing. I spoke to XXXX who said she has no records of my information.

Company response to consumer: Closed with explanation