vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have the exact name and birth date of a Texas XXXX that has a long criminal record, so I'm being turned down from jobs and places to stay due to his criminal record.

I'm a retired federal officer for the XXXX XXXX XXXX XXXX with over 25 years of service including 4 years in the United States XXXX XXXX. 

Your assistance in this matter will greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from XXXX XXXX XXXX XXXX. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a XXXX XXXX  XXXX veteran adjudicated since XX/XX/2013. I have had legal representation on all debt since XX/XX/2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case 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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Good Day! 


{$1500.00} car loan posted on credit report as a charge off. The lender company said that I am behind in payments but I crashed that car and all the charges were paid by the insurance inclusive the GAP, but this company insist that I was supposed to do payments during the resolution of the case something that nobody told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC
State: FL

Complaint narrative:
In roughly XXXX of 2015 my mother and I registered with this company to handle my student loan account that had gone into deferment status. Anytime I spoke to their customer service they seemed extremely legitimate and we have thought so for OVER three years. We were told to pay an up front fee of I believe either {$250.00} or {$300.00}, and then my monthly student loan payment was {$59.00} for the first 24 mos, and it was then lowered to {$39.00}. I have paid nearly {$2300.00} to this company to handle my student loans-to only now find out that according to the XXXX XXXX XXXX XXXX NONE of this money has gone towards my student loans, and I am now in delinquent status. I was also made aware that this company created an account for me with XXXX XXXX XXXX under a username I would never have created-which is identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Dear Sir/Madam, TD cards servises added fraud transaction to my account since XX/XX/2017 $ XXXX USD today its with late fee total debt $ XXXX-XXXX debt, this charge not belong to me how i can pay them, i called 10 different times told them this charge not mine something related online cam model site but they not agree and stay in my statement today there collection company report file non payment to credit score thus without no reason my credit scores damage now i have lot of problem to obtain loan and credit cards at very low interest rate. Thus i need your assitant this matter, invetigate right culprit give them punishment and give me justice.my account number with TD card services is XXXX. 

Thanking you in your anticipation. 


Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: NY

Complaint narrative:
this account was never late and was paid in full has of XX/XX/XXXX XXXX XXXX CRE Account Number XXXX Account Type loan Terms M XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$350.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address P O BOX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Account Original Creditor - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We have made requests from three national banks we use for a data download of banking date in access of the 18 month limitation set for comma de-liminated data files. 

When National banks will provide up to 7 years of PDF monthly statements, yet will not provide seven data files for the same data beyond the 18 month limitation. What is the logic?

In both cases, they have to go to off-line storage to access the data. In the data format, they will only have to retrieve up to seven annual data files. In the monthly PDF example, they will have to retrieve up to 72 monthly statement PDF files.

We have no problem with 18 months being the standard for data file downloads. However, we think they should be able to honor a formal request for data beyond the 18 month limitation.

Based on the assumption banks are required to keep 7 years of data for IRS purposes, honoring our request should be of no consequence.

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 2018-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My mortgage is with Bank of America. I filed Chapter XXXX bankruptcy in 2012. The BOA mortgage has been modified but has never been with another lender. BOA is refusing to report my payments to the credit bureaus- my payments are always made on time- and this is causing me to have a XXXX credit score. I reached out to them a few days ago and they are still refusing to report the account to the credit bureaus.

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 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.

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 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Dear CFPB Director : 1. XXXX XXXX ( now becomes Morgan Stanley ) claimed my 4 shares of XXXX stock from CA XXXX XXXX XXXX without my permission. 

2. On XX/XX/1992, CA XXXX XXXX XXXX paid $ XXXX.to XXXX XXXX XXXX XXXX 

3. I have contacted Morgan Stanley for last 5 months and requested Morgan Stanley refused.to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attempted to have TransUnion verify public record information that appears on my report. I did not authorize and party or 3rd source to place public record if any to my report. I have reviewed my report with TransUnion and show that they continue to list a public record item on my report that has not be verified with original source. Also, I am aware of their XXXX automated verification system that does not comply per the FCRA law that such a system is considered a viable verification source. I am requesting deletion of stated public record reference number XXXX Circuit Court with no date of file for amount of {$69000.00} to be deleted from my TransUnion report due to not verified with original source and 3rd party does not consent to request information as such to be placed on my report. Also, per investigation I am requesting a copy of any documents bearing my signature of public record that show that stated amount is in fact a legal to collection or owed. If stated account is not verified bearing my signature within 30 days of compliant for investigation per FCRA it was be deleted.

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Too many account of XXXX XXXX  on my credit report wrong database amont pls remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CORELOGIC INC
State: FL

Complaint narrative:
I do have many hard inquiries from companies that I do not recognize

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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global lending services, call me when I am 24 hours after the due date. I have 10 days to get my payment in. Because it is such a large payment I divide it into two parts through my bank. They call me incessently to demand a payment immediately. I have set up the payments for the next months to be paid through bill pay in one payment. They have also charged me four times for late fees. The extra money I called them on four occasion to pay towards my principal and instead they have taken the late fees. Global lending is a predatory company that demands payment immediately and does not follow directions or listen to the customer for instruction on how to handle their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and Im paying my mortgage to CMG Mortgage but this company keep reporting to credit bureaus that Im late on my payment each time even i made my payment and seems they dont want me to refinance my house to lower my interest payment and decrease the life of the loan of my mortgage so i can not refinance to other company i had an equity on my house and i never refinance since i bought my house never filed a bankcruptcy but every time they run my credit it shows the late payments and never stop reporting on it so i will be more struggle .I was a victim of identity theft last XXXX to XXXX they break my car windshield stole my bag with my passport credit cards and identification luggages and many items on my car and i even reported that to credit bureaus and report to police department and told them as well to mortgage company as i have to change my bank account and reported cause of this incident i was fixing my credit for this people used my credit card and identification i was in a process of refinancing my house in XXXX XXXX  XXXX XXXX Ca . XXXX but i was always denied cause of this CMG mortgage holding me and keep reporting late payments even i made my payments so i wont go to the different lender and i could be more struggling stay on their company. and the XXXX and XXXX  are still doing it even i reported them that i was a victim of identity theft and submitted a report to them thats not me who is using this and stolen my credit card. pls. help me for i wan na lower my interest payment and get a better rate and decrease the life of the loan of my mortgage. 


Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: SC

Complaint narrative:
We have a mortgage that the company holds us in escrow. In reviewing our tax history they have not paid our taxes on time for the past 4 years of taxes, and of course it comes out of our escrow so we actually are paying these fees, the fees total {$430.00}. I contacted the Federal Trade Commission and they advised me to contact you regarding what we can do. I did email the mortgage company and they gave a non-answer or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Hard inquiries in my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I do have many hard inquiries from companies that I do not recognize

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 2018-03-07 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: FC HoldCo LLC
State: FL

Complaint narrative:
I do have many hard inquiries from companies that I do not recognize

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 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I filed a complaint against Select Portfolio Servicing a few months ago. As a result of this complaint SPS agreed to work with me and to allow me access to homeowner programs that they had blocked me from in the past. I have had a change in financial circumstance and am in a better position to qualify for these programs. We did as they requested and submitted a full package for review to SPS 30 days prior to our upcoming sale date. However, SPS is stating that they refuse to even look at the package because it was received less than 37 days before the scheduled sale date of XX/XX/XXXX. We feel that SPS has not been straight or forthcoming with us. We had not been given a deadline prior to the submission of the updated documents and had been told that they would work with us.

We suffered a true hardship a few years ago but have slowly rebuilt ourselves financially and have applied for help over and over with SPS.  When we finally got them to respond we were offered a repayment plan that raised our payment significantly. We dont know how they came up with these figures, or what type of financial information SPS was looking at, but there is no way that we could enter into that agreement. After months ( that dragged into years ) of attempts to get their attention we were finally able to get reviewed for assistance last summer. However, we were denied due to " not being able to create an affordable payment. '' Through repeated phone calls we found that this meant that we did not have sufficient income. We tried to get information as to exactly what type of income calculations were used and what inputs were used for this evaluation. We never received any of this information. Our property is a three-unit triplex, and we have renters in the other two units, and my husband and I live in our unit along with our XXXX grown sons. We have owned this property for 20 years. 

After the denial in XX/XX/XXXX and the failure to provide us with the income and input information we wrote SPS a letter and also contacted several regulatory agencies ( including the CFPB ). We explained that our financial circumstances had changed and that we want a new review to be conducted based our current and correct income. I am self employed in XXXX  and my business is continuing to grow. My wife has worked as a XXXX XXXX XXXX for 7 years. We receive rental income from the additional units and my XXXX adult children are starting to contribute. We have the financial means and income to afford a reasonable payment and deserve a new review. In fact, when SPS responded to us they encouraged such a review, and a new package was submitted on XX/XX/XXXX. However, their agents told us that they would not even LOOK at our package, because it was received less than 37 days before our scheduled sale date ofXX/XX/XXXX. We have been playing these games and dealing with obstruction by SPS for  far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address 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