vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was given the 80/20 mortgage by Wells Fargo Bank mortgage representative in XX/XX/2006. I did not asked for this type of mortgage. The mortgage representative gave me this type mortgage when I applied for it. Since then, I have tried numerous times to either modify or refinance my house, Wells Fargo has not been willing to help me. 
Now, I am at point, I am scared of loosing my house. 
I believe Wells Fargo is not willing to even modify my loan, mainly because they want to continue milking underprivileged consumers like me, as usual with the high interest rate.

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 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: AES/PHEAA
State: FL

Complaint narrative:
I am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : ALLY FINANCIAL ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Dear Gentle Person, I have two mastercards with XXXX XXXX -- I mailed in my payment with the correct payment stub the account I closed and the bank 5 days ago credited the wrong account -- I wrote to the President as the customer service folks stated it could take up to 30 days to fix -- which would leave my account that was suppose to be paid with a late payment unacceptable. 

Please assist in following up with XXXX XXXX to complete their job and correct their error. The Mastercard they paid is wrong -- they have been notified. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX They also reported the wrong balance to every reporting credit bureau and showed me over limit whem I was not affecting my credit score -- they said they corrected however did not -- they still showed me over and I was not. 

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 2018-04-17 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I opened a XXXX XXXX Credit Card for the purchase of a wedding band costing {$420.00} with a {$84.00} down payment. 

When the ring arrived, I was unsure on whether I really liked the band in person. I ordered another wedding band on XX/XX/XXXX in the cost of {$460.00} with a {$93.00} down payment. 

On XX/XX/XXXX, I returned the original ring with return value credit of {$420.00} which was put towards the outstanding purchase of the 2nd wedding band for a total balance of {$290.00}. 

The remaining balance owed on the loan was paid off as follows : XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$50.00} XX/XX/XXXX - Payment - {$80.00} XX/XX/XXXX - LATE FEE Charge {$27.00} XX/XX/XXXX Payment - {$100.00} {$0.00} balance in account - XX/XX/XXXX My husband and I are attempting to secure a home mortgage and were shocked to see that my credit score had gone down by over 100 pts. After working with our lender, we learned about this credit error from XXXX/XXXX that is hurting my credit. 

I have called XXXX XXXX ( XX/XX/XXXX ) to ensure that my account is indeed at a {$0.00} balance and I have been sent a letter that confirms that the account no longer has a balance. When I inquire about the credit reporting I was told to follow up with XXXX. 

On calling XXXX ( XX/XX/XXXX ), it was confirmed again that my account is at a {$0.00} and the reporting is in error. I was told to file a complaint to have the creditor adjust the way it's viewing. 

Please help me to fix this error so my husband and I can secure a loan for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) Coaf pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my creditXX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX 's XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled credit XX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX  XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX   XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX  pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX  pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX   XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. 
She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. 
I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I started receiving calls about debit collection, i am never left a voice mail more then a few sec. 

the company calling would get a better response if they just left a voice mail with who to contact. 

this is harassment and should stop, in no way will the calls made at this time collect any debit as i do not even know who this is and they will not disclose any information and i have no income.

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 2018-04-17 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: DE

Complaint narrative:
I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. InXX/XX/1933President Roosevelt passed HJR 192,  XX/XX/1933- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10.  This law protects the people from damages caused by the Federal & State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, Experian and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report 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 2018-04-17 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: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The Client CalledXX/XX/XXXX spoke with XXXX Employee # XXXX to explain payment was made on time and accepted by loancare, but the funds were not applied to the loan resulting in 30day past due notice. 
Was told to send email with proof of payment for XX/XX/XXXX via trace number to email address XXXX XXXXor loan # XXXX ... XXXX. 
Response from LoanCare XX/XX/XXXX Reference number : XXXX ... 4X Please use this ticket number in any correspondence with us. 
Subject : Loan # XXXX ... 7 proof of payment trace number XXXX ... XX/XX/XXXX Dear Valued Customer, Thank you for contacting us. 
To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form from your bank. 

The Client provided Bank Fax with payment information on XX/XX/XXXX. 
There was not a response from Loancare. 
In a call to follow up on XX/XX/XXXX, the company claimed the ticket was closed for insufficient evidence by XX/XX/XXXX. 
This seems like an unreasonable short window to provide requested feedback. 
The company, myloancare, did not reopen the ticket to continue research when requested. 
The company did not take measures to communicate properly with the client. 
The company mis-represented delinquency while accepting money. 
The company using email correspondence, and left mailing address as response in to research file # XXXX ... 4X The company mailed paperwork on XX/XX/XXXX citing lack of response from the client, and inability to contact the client. 
The company did not respond to client inputs via email or phone inquiry Client sent another email request on XX/XX/XXXX.The email was sent via the online Loancare email customer service request on website. The Client included a PDF attachment in that email. 

There was no response from Loancare as of XX/XX/XXXX. 
The PDF contains the entire written trail of events and correspondence between XX/XX/XXXX and XX/XX/XXXX The Client issued a complaint via CFPB on XX/XX/XXXX. The PDF with written trail of events was uploaded to the complaint made at CFPB on XX/XX/XXXX, citing lack of communication in light of objective evidence and written response request.

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 2018-04-17 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX we told supervisor XXXX to stop calling this number. On XX/XX/XXXX we told operations manager XXXX XXXX to stop calling us after we were called by them again. On XX/XX/XXXX after they called again we told operations manager XXXX XXXX to stop calling here. We told them all that this is our church office and they are calling the wrong number. XXXX refused to stop the calls. I have called my lawyer to report the harassment.

Company response to consumer: Closed with non-monetary relief