vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/XXXX me and my cosigner submitted documents to help lower monthly payments several amounts of private information that already made both of us uncomfortable. After working with several different people for months and hearing several different things we were finally told that it didn't matter if we had other bills and needed to live that if we both worked then we had to make the payments which is XXXX a month after several attempts to stay on time working two part time jobs the account fail behind.. and at the end of last year I was in a area affect by the hurricane and the account went into forbearance I called in to see when the payment would be due and was given incorrect information which later caused the account to continue to be behind which begin charging me crazy amounts for late fees. There has yet to be a time where we have called in for information and received the same information. I do believe that there has been some illegal practices when it comes to this company, we have tired everything an they keep making it harder and harder with scary tactics, and incorrect information.

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 monetary relief
Consumer complaint received 2018-06-07 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: Convergent Resources, Inc.
State: WA

Complaint narrative:
This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. 
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. 
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. 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 2018-06-07 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: NV

Complaint narrative:
I just requested a annual credit report and it indicates 3 addresses in which I have never lived. One address I do not know at all and believe it is associated with identity theft which occurred 2008 and was reported. 
The other two are addresses of my ex husband. Please remove these addresses. See below I have never lived at : ( address is present possibly due to theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily My ex husband XXXX XXXX currently lives at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family He moved from this address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family Please remove these addresses from my report as i have never lived at any one of these. 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 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Notwithstanding your instruction above, in the interest of brevity and efficiency, the attention of CFPB is invited and directed to CFPB Complaint # XXXX dated XX/XX/XXXX versus " XXXX XXXX XXXX , XXXX '' of XXXX, OR. ( " XXXX '' ; " the Complaint '' ). 

The underlying referenced matter was a disputed claim for services by " XXXX ( OR ) XXXX XXXX XXXX ( XXXX ' ) - Claim for Services Acct. # XXXX - XXXX XXXX '' XXXX 's claim was denied by XXXX XXXX to XXXX by Certified Letter dated XX/XX/XXXX. 

Consequent to the Complaint and the actions taken on my behalf by CFPB, the wrongful debt collection reporting was immediately and satisfactorily removed from my XXXX  and XXXX   credit bureau reports in XX/XX/XXXX. No additional credit collection activity or reporting has been engaged by either XXXX or XXXX  in this matter. However ~ and only now in XX/XX/XXXX ~ has it come to my attention that the collection reporting was never removed from the TransUnion credit bureau report and wrongfully remains there today with consequent prejudice to 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 2018-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.

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 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
First of all, I have no idea if this is real or a scam. I have no recollection or awareness of the debt they are claiming I owe ( they are saying I have a debt to Wells Fargo attached to a bank account from 2004 ), but if it is a real debt that somehow I forgot about or didn't know about, their tactics are completely inappropriate and probably illegal. 

I received a voicemail on my work phone saying I was being sued and was going to be served with documents the next day if I didn't call back. Asked me to call XXXX and provided a case number ( XXXX ). The voicemail said the person was named XXXX XXXX calling from " The XXXX XXXX XXXX '' but no other company name or anything was given. 

I called back, and someone answered the phone " corporate office, '' and I asked " what is this the corporate office for? '' and she said " I answer the phone for 8 different law firms, whats your case number? '' So I gave it to her and she connected me to a woman who said her name is XXXX XXXX and she's with a law firm called XXXX XXXX XXXX and I'm being sued by Wells Fargo for {$3300.00} for an unpaid debt from 2004 for {$1100.00}. She said I have to pay immediately or they're going to repossess my car and garnish my wages. I asked what my car has to do with this and she said they want their money so they'll seize assets if they have to. 

I told her I have no idea what this debt is and why is this the first time I'm hearing any of this, and why doesn't it appear anywhere on my credit report? She said because it's not a credit card, it's a bank account debt and those don't show up on credit reports, but if I don't pay this money my credit will be ruined. I think she said it had to be paid in 10 days. 

I asked if I can dispute it and she said yes but the only way to dispute it is to go to court and then I have to pay all the legal fees. 

She said maybe she could get it down to 50 % and I said ok but I'm not paying anything until I see some documentation. She said ok and that she would email it to me, so I gave her my email address. 

I never received an email, but roughly 24 hours later I received another voicemail from her ( this time calling from XXXX ) asking me to call her back.

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 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
No fraud protection via XXXX despite the fact that it's offered through your bank! 

I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. 

I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: OR

Complaint narrative:
This is the SECOND complaint I have had to file as Equifax still has not accurately updated my credit file. My bankruptcy is now complete and discharged yet there is a collection account from XXXX XXXX XXXX XXXX showing " Open '' and a {$200.00} balance. 

I did try to call XXXX XXXX XXXX as well and spoke with a XXXX. She told me it was updated. When I told her it was still showing on my credit report, she told me too bad. They have no control over that. That is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!! 
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life. 
To their credit- XXXX XXXX has not contacted me at all. 
I was given this information as a result of contacting Bank Of America at 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 2018-06-07 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
XX/XX/2018 - Quicken Loans called me after I was researching on their site. We started talking, then when it came to the credit information I told them not to pull my credit and I am going to wait about 6 months. As soon as I got off the phone I got a notification that my report was pulled from all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Hello, This message is in regards to an error from Mr.cooper mortgage loan company formally known as nationstar mortgage. 

The company 's website prompt accepted a monthly payment reflecting principal, interest, escrow, and additional principal payment. 

This payment was submitted XX/XX/XXXX - payment is {$1700.00} plus an additional {$500.00} principal payment which is entered separately in another prompt. 

Total is {$2200.00}, However mr.cooper mortgage applied the payment as a sole principal payment incorrectly and was unable to explain how or why it happened. 

On XX/XX/XXXX this issue was noticed when the complete payment history was reviewed after a payment was made. 

Cooper mortgage then reversed the payment of {$2200.00} into the intended payment of {$1700.00} plus an additional {$500.00} principal payment. 

The issue is that there were 3 payments made + 3 additional principal payments of {$500.00} total of {$2300.00} principal and {$1500.00} additional which comes to {$3800.00}. The balance of the mortgage is {$120000.00} as of XX/XX/XXXX when the error occurred. 

The balance should be XXXX however on the website the balance reflects {$110000.00}. so the problem is {$790.00} is missing from payments. 

A representative / supervisor submitted the information to billing for further inquiry. Her name is XXXX and extension is XXXX on XX/XX/XXXX. 

I am awaiting contact from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : -XX/XX/XXXX-30 Days late- -XX/XX/XXXX - 30 Days late- -XX/XX/XXXX - 30 Days late - -XX/XX/XXXX - 30 Days late- I am not sure how this happened, I believe that I had made my payments to you when I received my statements/bill. My only thought is that my monthly statement did not get to me, and therefore caused me to look at the wrong date. I'm sure I paid ontime during those months. Definitely not 30+ days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Capital One allowed a charge from XXXX XXXX XXXX to process for {$2000.00}. My credit limit is only for {$600.00}. These charges have been in dispute since XX/XX/XXXX and the company continually misfiled the category. Originally the claim was filed as a " fraud :, then Capital One changed the category to " dispute ''. This happened twice which caused the 180 day time to expire with XXXX. I have attempted to resolve this issue several times and Capital One is the one who is ultimately responsible. They were notified about the wrong amount and given documentation since last year. The company should have completed their due diligence and proper research to ensure that the dispute was filed accordingly and timely. The amounts have constantly changed throughout this investigation and process. No amount matches any contracts that were sent over to Capital One. Each time that Capital One requested documents they were uploaded through an internal link. Each time Capital One requested documentation, they received it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
The bank rearranged the orders of the credits and debits. This tends to make it seem like you have more money than you do. sometimes it makes it less money. On the XX/XX/XXXX I didnt have over {$1000.00}. I didnt have that in the 3 days prior either. On that money when I de tied the {$400.00}. I should have only had {$400.00} left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX  would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. 

XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 172 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.

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