vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Was contacted by freedom mortgage to complete a streamline refinance. Was assured there would be zero fees associated with the process ( several emails assuring this ). First documents that were sent had incorrect payment amount-and had closing fees tacked onto loan. Emailed representative back and he stated he would reach out to the processor to get fixed. New representative stated there was an issue with CAIVRS and could not complete loan. Called previous representative who did not know why this was being communicated to us as it was incorrect information. Reached out to HUD and was told there was no issue and no alerts were showing. Called representative back and he stated he had not spoken with the processor. Asked if he had called And spoken with loan processor and he said no and that he had emailed. Asked if he could call and he said his supervisor could. Asked to speak to supervisor and was told he was busy. Received another email from Loan processor stating application was incomplete because of the cavir alert.

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 2019-09-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has not updated my account to reflect my name change after marriage which is causing a serious issue with my time-sensitive mortgage application. Their website does not give an option to do this, and on their website they say not to worry, that lenders will be able to identify you through other information. This is not true, and neither lender I have applied with is able to pull my credit report from Experian. I have tried every phone number and option I can find and have been provided for Experian, but the automated system continues to take me to dead ends until it eventually hangs up on me. It is impossible to contact them to update my name, putting my mortgage and earnest money in jeopardy.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX I received a call from ( XXXX ) XXXX. They stated that they have tried to deliver papers to me because I'm being sue by a XXXX XXXX XXXX XXXX that works with Wells Fargo. They said if I wanted more information on the care I would have to call them at XXXX and gave me a case number ( # XXXX ). I called the number the lady asked for the last four of my social, I told her I would not give her that information because I didn't know who she was. she then gave me the last four of my social and had the numbers correct. Then she told me I had an account with Wells Fargo back in XX/XX/XXXX-XX/XX/XXXX and my account overdraft the amount was {$1100.00}. I told her I have never had an account like that with Wells Fargo I actually have a home mortgage and credit card with them they that I open in XX/XX/XXXX ... this is scary to me to find out that an account may have been open under my name back in XX/XX/XXXX-XX/XX/XXXX and now I'm finding out 10 years later.

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates, despite their lacking a legitimate foundation for furnishing data on my credit reports, and a continued failure to state a verified foundation stating their rights to maintain this claim on my credit, continue to furnish this data to the credit bureaus. They have not shown a valid contract in any of my attempts to demand they provide this. They continue to ignore multiple attempts to get them to obtain this proof, and as such, have not proven that there were valid accounts or that any such alleged accounts included a right to assign or transfer since Portfolio itself has not provided me with any consideration or service. They have failed to show how their efforts to claim possession of the alleged accounts are anything but lack of privity. 
They have engaged in many violations of the FDCPA, documented in prior complaints yet they continue to furnish their derogatory data without remorse. They shouldnt even have access to my credit files since they havent even proven a right of assignment in showing any original contracts, listing such a right of assignment as part of the contract terms. 
They have violated FCRA 1681s in the sense that they have never notified me in the first place that they were furnishing this derogatory information and they have continued to violate that in that this information came off several of my credit files and was placed back on those files without formal notice to me by Portfolio, a willful transgression of the law. 
Boatley v Diem held that credit reporting IS debt collection. Portfolio has stated that they are ceasing debt collection efforts yet they continue to report this data on the alleged accounts in violation of this higher court holding. 

I am enclosing the results of my search of the UCC files in the two states I have lived in in recent years and both show that there is no debt claimed on me. No debt has been filed with the states involved. Every time Portfolio continues to furnish derogatory data about me they are engaging in wire fraud and every time they send a mailing stating that these alleged accounts are valid, they are engaging in mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I keep getting robocalls from a supposed debt collector from a local area code. I get a robo message instructing me to call a toll free number, not the number they are calling from noted on my caller ID. 

More than likely a spoofed number and a phishing attempt for personal information for ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
We tired extremely hard working with Salle Mae they refuse, they robo call us daily sometime 10 times daily, ringing us all day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Deatrick & Spies PSC
State: KY

Complaint narrative:
A XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX ; a claim was filed with my nationwide insurance, as the XXXX XXXX XXXX had full coverage. A check was issued to XXXX from XXXX on XX/XX/XXXX in the amount of {$5900.00} to pay the loan in full. 

Since my XXXX XXXX XXXX was totaled I have since bought another truck from XXXX in XXXX a XXXX XXXX XXXX Vin # XXXX and no issue has ever been brought to my attention about an outstanding balance on a previous loan with them. I am requesting an investigation be conducted ; I am attaching proof of payment from XXXX to XXXX. 

I have never received a previous notice from the original creditor Autosmart telling me I had an outstanding balance and now Deatrick and Spies, P.S.C is trying to garnish 25 % of each check I receive.

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
this credit card has been billing me and has never itemized the charges as I have been requesting for 2 years multiple times. When I call them they leave me on " hold '' and never return. They are hurting my credit score and now threatening to send the bill to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days

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 2019-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX University extended my pervious student loan without my permission/approval. I am no longer a student at XXXX XXXX University. I attended XXXX University, however XXXX University can not obtain my student loan funding, due to the fraudulent actions of XXXX XXXX university. Nelnet is my student loan facilitator. I contacted Nelnet, however they would not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX I had contacted Synchrony bank to advise them that my Paypal account was a fraudulent account. XX/XX/XXXX I had disputed the account, XX/XX/XXXX I sent in another dispute along to advised them I as incarcerated during the time of this account and transactions were being made. On XX/XX/XXXX they confirmed the account has been resolved in my favor. However, there were money being paid on this account every month for over 3 years. I have requested a payment refund request for at least over {$3000.00} I had sent them letters from the bank acknowledging that it was my account that the money from Paypal was being taken out of my bank account. I had sent them over 80 pages of bank statements showing that PayPal was taking money out of my account on a account that was fraudulently opened. On XX/XX/XXXX they stated give them 2 billing cycles. I called back on XX/XX/XXXX to check on the status if my refund they stated I need to resend bank statements. Did that on XX/XX/XXXX they confirmed they received it and to allow 30-45 days so I called on XX/XX/XXXX they stated they could not use the bank statements I sent in so on XX/XX/XXXX I called and they confirmed they received my documentation and allow 30-45 days. I've called every month and get transferred to several people I even spoke with the fraud department and they stated they were sending a email on XX/XX/XXXX to allow 3-5 days called back on XX/XX/XXXX they stated my account need closed from the fraud department and to call back in 3-5 days I called back on XXXX stated nothing has changed and to call back so on XX/XX/XXXX I called spoke to 2 different departments 1 lady stated she dont see no change and suggested i call recovery department spoke to that department the guy seen my 82 pages of bank statements and stated he's sending the information over to request a refund and to allow another 30-45 days to call back.Here we are today and still no payment refund. I've been dealing with this situation for 8 months for them to process my payment refund request. They have been giving me a run around, wasting my time and energy, This is very stressful considering they state that the payment refund department doesn't have a phone number to call they can only send emails. It didn't take them 8 months to take money from my account but its taking 8 months for them to return my money especially they have the bank statements to showing they were receiving payments.

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 2019-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Usually a big fan of Chase. But they messed up my credit card accounts. I am really frustrated and upset. But hoping you can help. I was sent a replacement card on XX/XX/19 without my consent. I tried to call to fix the issue but company didn't do anything to fix it except for apologising. Enough sorry but I just want to feel my information is " safe '' and nothing will be issued on my behalf without prior consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Texas Guaranteed
State: TX

Complaint narrative:
This company is calling me on my employer phone which is a hospital and I can not accept personal phone calls in an hospital setting. The phone is designated for patients only. Voiced this to them and a XXXX still proceeded to reach me at my place of work. I will file harassment if this continues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
THE CBE GROUP XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with CBE GROUP or XXXX XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: The Outsource Group, Inc
State: NV

Complaint narrative:
I paid account in full to Medicredit when they called and asked me to pay, they told me they would submit it to the credit bureau to be showed as paid within a month. It has now been 5 months ( I paid it in XXXX ) and they have yet to report it as paid. They are ruining my credit and ability to refinance my house. I believe I have given them ample time to correct it and they still have not fixed 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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have been a Victim of Identity Theft I did not Authorize any of these Accounts

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 2019-09-05 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: VA

Complaint narrative:
I voluntarily repossessed my car in XX/XX/XXXX. I filed bankruptcy shortly after. The remaining debt was forgiven as part of the bankruptcy. I have not made any payments on the vehicle since XX/XX/XXXX when it was repossessed. This loan appeared on my report in XX/XX/XXXX. It dropped my score over 100 points. I do not know why this populated onto my report 10 years after the fact. I contacted the lender and they indicated that they have no idea why that happened, they show the car was repossessed in XX/XX/XXXX and no payments have been made since and I need to take it up with Equifax. I then filed a dispute with Equifax and they determined after a 5 day investigation that they were not going to remove the debt. I asked them to reopen the investigation, reach out to the lender and to give me the information of where this can be reported to file a complaint. They would not provide me any of those things. Now I am stuck with a invalid debt that is almost 11 years old on my report because Equifax has refused to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Payments Check Services, Inc.
State: OH

Complaint narrative:
GLOBAL PAYMENTS CHECK SE XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with GLOBAL PAYMENTS CHECK SE. Please delete this account from my credit report. 
This can be done by submitting a UDF form to all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief