vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
After months of dealing with issues in working towards obtaining a short sale approval letter we finally received and deadline to close is XX/XX/18. However, we can not close because XXXX XXXX XXXX has a judgment against the property for the wrong person, they confirmed it was not my social security number. 
We had our realtor and daughter contact MCM for proper release on XX/XX/XXXX and they confirmed it was mailed on XX/XX/XXXX, yet we did never receive. We called again on XXXX and offered to pay for the expedited service in additional to a fax or email of document to closing attorney for title insurance approval and closing by deadline -- MCM said they could not. Now i'm faced with possible foreclosure due to short sale deadline and MCM will not work with us in providing quicker service. Their best is to wait another 7-10 days for regular mail. Supervisor XXXX confirmed there is no escalation process and manager above him will not be able to help as well. When asked to speak to his manager, conveniently he was unavailable and no direct # to call back. 
Furthermore, their website for service and complaints have been down for maintenance, it re-routes back to making payments only. Not as friendly as website portrays to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

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 2018-03-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX  XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
A letter dated XX/XX/2018 was sent to me telling me that all my accounts are being closed on XX/XX/XXXX for a " business decision '', after 7 years of banking with them and having 0 problems! 
I've tried calling them and they told me that corporate will call me back, but never heard back from them. 
They closed my credit card account without any heads up notice, didn't even send a card advising that it's about to be closed. I just found out about that today when I went to the bank to ask for a reason. 
I've had automatic payments that didn't go through because of this, and it's turning my life upside down in a matter of days. 
I think that the minimum I deserve is a reason as of why my account is being closed and not just " business decision ''. 

Thanks

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
With the new XXXX Tax Law I considered paying off my mortgage due to fact that my Standard Deduction will double. A {$50000.00} principal payment was made on XX/XX/XXXX. This payment was made via check from XXXX XXXX to Ditech Financial LLC ( " Ditech '' ) XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX on XX/XX/XXXX. Ditech cashed my check on XX/XX/XXXX. The allocation of the principal & interest was not processed until XX/XX/XXXX. I have tried to resolve this issue with Ditech since my first phone call to Ditech on XX/XX/XXXX. After this initial call I have had 9 additional correspondence with Ditech. The last call made XX/XX/XXXX to Customer Service said I wouldn't receive an answer until possibly the end of the month. Each call to Ditech never initiated a return call the rep mentioned and/or promised. I always had to call back and talk to someone different and review the entire scenario all over again. My wish and/or request is to simply apply what principal amount I have coming and that has yet to be completed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GREAT LAKES
State: FL

Complaint narrative:
I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a chase credit card that was charged off in XXXX of 2014. This debt was sold to a debt collection once then went back to chase. I believe this debt is part of the settlement when cfpb brought action against chase. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted chase to see if they would remove the account however they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: SLM CORPORATION
State: IL

Complaint narrative:
Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$6700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX {$5700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX A letter was send to inform the credit agency that this information is incorrect, they have no prove or wet ink signature or any contract with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. 

On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. 
We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. 
Here is the contact information for the company servicing the loan. 
XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . 
o : XXXX f : XXXX e : XXXX w :  www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

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 2018-03-13 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: LA

Complaint narrative:
I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: LA

Complaint narrative:
I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company refuese to remove the credit line from my credit report. I have paperwork to verify that the company said they will remove the credit line in the month of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CA

Complaint narrative:
Sent certified letter to Equifax and delivered on XX/XX/XXXX, regarding XXXX, No Response from bureau, and my previous complaint regarding hard inquires filed on XX/XX/XXXX still no update or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Netspend Corporation
State: LA

Complaint narrative:
I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
2 hour wait time with experian or more on all their lines and I still can not get through. They are charging me and not letting me cancel!

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was affected by the Equifax breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( Equifax - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX # XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY 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 2018-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MT

Complaint narrative:
Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.

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