vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!

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 2018-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

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 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint narrative:
Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.

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 2018-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. Please also look for accounts under my maiden name. 

American Express closed my CFPB complaint claiming they don't have enough information to find my money. That is not true. They just are not using their own systems ( recording ) or business relationship with XXXX XXXX to get it. I do not have the American Express account number where the payment was applied. I just know it was not my account. XXXX XXXX would not provide me the information due to privacy reason. However, XXXX XXXX provided that account number to American Express. American Express needs to listen to their recordings or ask XXXX XXXX for the account number. I've provided American Express the XXXX XXXX payment confirmation number, which is XXXX. That is all that XXXX XXXX needs to again find the American Express account number to which my payment was applied and give it to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.

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 2018-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have taken loans out from XX/XX/XXXX until about XX/XX/XXXX. 
I am the victim of Predatory lending practices from Navient 's deceptive practices and predatory conduct harmed student borrowers and put their own profits ahead of the interests of millions of families across our country who are struggling to repay student loans there is no way I borrowed maybe about XXXX, to about XXXX in loans and owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
If you refer to complaint XXXX received by you on XX/XX/XXXX, you will see that money was wired from XXXX XXXX from my account to a fraudulent account at Capital one. The funds were subsequently frozen on XX/XX/XXXX and I have not received any funds back or can even be given an amount of funds or when they will be returned. Can not not get any correspondence from Capital One on this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual 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 non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is breaking the law in multiple ways as identified below. Wells Fargo is currently being sued for these issues and if this isn't resolved we will move to form a class action lawsuit. 

Violation of law # 1 - CA XXXX has been expanded as of XX/XX/2018 to forbid dual tracking on short sale requests. Wells Fargo verified this property was under short sale review and illegally continues to have a scheduled foreclosure sale date. Stating the foreclosure is suspended while having a posted sale date is illegal, duplicitous move who's intent is to violate non dual tracking law. 

Violation of law # 2 - ( acting in bad faith regarding a real estate transaction ) Wells Fargo countered buyer to XXXX on short sale request. Buyer countered Wells Fargo to XXXX and provided a bid of XXXX showing significant damage to property. A value dispute was requested and performed by Wells Fargo. At the end of the value dispute Wells Fargo is legally required to advise buyer of their final result after value dispute is completed to allow buyer to respond. In this instance Wells Fargo decided to stay at their counter of XXXX however closed the short sale request prior to telling buyer they were staying firm. They informed buyer AFTER they closed short sale request causing harm to buyer and seller. Wells Fargo is legally required to allow buyer to respond to final offer which they did not. Wells Fargo did this due to an illegal pending foreclosure pending sale date of XX/XX/18 so Wells Fargo could charge foreclosure fees and act as a foreclosure mill. 

Wells Fargo has significant ongoing issues with non compliance. They continue to have these issues and should have their license pulled in CA rather than just freeze their ability to grow. Breaking laws and not doing anything about is unacceptable.

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 2018-03-29 00:00:00
Product: Debt collection — Payday loan 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: Advance America, Cash Advance Centers, Inc.
State: IA

Complaint narrative:
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Got calls to my cell phone from portfolio recovery XXXX. They didn't leave a message, refused to tell me who they were trying to reach, when I asked for no more calls I was told they can only remove a wrong number but again refused to tell me who they were looking for. I provided my first name only in case it's a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove it.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.

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 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from 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 explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: NY

Complaint narrative:
On XX/XX/2018at XXXX  I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX  attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX   stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX  submitted the wrong paperwork. The representative instructed me to contact XXXX  and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX  and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX  Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.

Company response to consumer: Closed with explanation