vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-12 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: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: MS

Complaint narrative:
On XXXX XXXX, 2017, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.

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 2017-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclaycard blocks us from enabling external account access. It causes me to not link XXXX, XXXX, XXXX, and other apps.

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 2017-11-12 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.

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 2017-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC.
State: OR

Complaint narrative:
I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing has caused me years of extreme harm attempting to embezzle my property to enrich themselves. 
( 1 ) I Attached my XX/XX/XXXX drivers license with my signature on it.
( 2 ) After the year XX/XX/XXXX is when I changed my signature the way that it appears on recent documents. 

( 3 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification and the schedule A without my signature and initials that Ocwen Loan Servicing sent over to the CFPB responding to my consumer complaint.
( 4 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification with my forged signature on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 5 ) I attached the bogus American Home Mortgage scheduled A with my forged initials on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 6 ) I attached the bogus XXXX with invalid tracking number that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
Ocwen Loan Servicing is running a unorganized crime operation paying its employees high salary 's to become professional pathological liars, training its employees how to harm as many homeowners as possible - embezzlement. Ocwen then uses the money that it embezzles from homeowners to pay lawyers who will turn a blind eye.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in XX/XX/XXXX and student loans were discharged. 
5. The private loan can no longer be collected by Navient and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. Navient sold two " XXXX XXXX '' loans to XXXX XXXX XXXX. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both Navient and XXXX XXXX XXXX demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. Navient could only produce 1 application, no note and no payment history. 
8. XXXX XXXX has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: VA

Complaint narrative:
I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in 2014 and student loans were discharged. 
5. The private loan can no longer be collected by XXXX and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. XXXX sold two " XXXX XXXX '' loans to Fed Loan servicing. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both XXXX and Fed Loan Servicing demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. XXXX could only produce 1 application, no note and no payment history. 
8. Fed Loan has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.

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 2017-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES
State: NJ

Complaint narrative:
Shortly after consolidating my student loans with through the federal student loan.gov website i was repeatedly bombarded with telephone calls from many different companies stating that they worked with the education department and are trying to help people reduce their student loan debt by getting them into the student debt reduction program that was in the last days from the XXXX XXXX. The also said that I would have to pay 5 payments of XXXX to lock me into the program and make sure that my loan repayment stay at $ XXXX monthly for 20 years which would allow the rest of my loans to be forgiven after that 20 year period. I naively believed that they were associated with the government and signed up with the company as i feared a large monthly repayment having owed {$100000.00} in student and XXXX children to raise. I realized that XXXX XXXX XXXX XXXX were fraudulent after calling them and hearing a recording that said they were shut down and being sued. I became suspicious and called because earlier that morning I received a call from another loan forgiveness agency, from a California number but their service rep had a strong foreign voice, sounding XXXX. This made me really think about How foolish I was with ( XXXX XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. 
I quickly contacted my lender but not sure what else I can do.. I also need to find out how to freeze my credit and must some how check to see if i must change my SS #, and must contact my bank just in case my finances are in jeopardy. 

Now i am going crazy trying to get things cleared up. I am a nervous wreck and terrified, they have so many of my personal information. I am in total fear and agony. please help me if you can assist in any way. I will appreciate your guidence. 
please contact me ASAP, Thank You Naive Mother

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: OR

Complaint narrative:
As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.

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 2017-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in 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 2017-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Submitted a request for validation of the debt, but have not received valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
As opposed to deleting tax lien from my credit file as unverifiable. XXXX marked the debt as paid, in order to keep an unverified tax lien on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate 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 explanation