vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: LA

Complaint narrative:
I have requested that Ed Financial Services fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
these types of loans are predetory i am in a repayment plan with them for my account # XXXX and even this payment plan is only payiny interest nothing going toward principaly. they still want 541 a month whihc was being paid consitent until ebenfts got cut since them i have had a death the the family and im willing to repay t but need to make pyaments once can fford not payments that are insterest only and are not getting me anywhere.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX inaccurate information to credit company or broker

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX lexus nexis inaccurate information to credit company or broker

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC
State: TN

Complaint narrative:
My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I  requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue. 
After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and E-Oscar will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question. 

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!

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 2018-07-30 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: AES/PHEAA
State: TX

Complaint narrative:
After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: NY

Complaint narrative:
I am a victim of identity theft, i have reported to the police, I have items on my Experian and XXXX  reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B, my identification, social security number, and address proof, however these companies Experian and XXXX refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH XXXX AND EXPERIAN REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY EXPERIAN AND XXXX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have requested that XXXX XXXX XXXX  fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased ( financed ) a vehicle in XX/XX/2017 and through the dealership, received a loan from Wells Fargo. Since then, I have been making monthly payments to Wells Fargo since I still owe money on the car. As a lien-holder, Wells Fargo has the requirement that in order to finance with them, you need to have full coverage insurance. I never had full coverage insurance and neither the dealership nor Wells Fargo informed me that I would need to. My car has since been totaled, but I still owe over {$5000.00} on it. Wells Fargo should have required that I have comprehensive and collision prior to allowing me to purchase the car. They are not requiring that I pay off the rest of the balance, despite their negligence in confirming that I had comprehensive and collision.

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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Unauthorized transaction. I have a police report and a email statement that it was a scam and pulled into fraud account. Regions will not refund! I had money stolen from my Regions Bank Account on XX/XX/2018 one transaction for {$5000.00} and one for {$3700.00}. I called to inform them and they said they would be glad to report the claim. I got a police report and an email saying money was pulled unauthorized into a fraud account and was a scam incident. Regions Bank denied a refund. They did not notify me and help in anyway to stop this and when found to be a scam and stolen without my authorization, they refuse to refund my money back to my bank account. I have tried going to the bank, over the phone, and by mail. They refuse to take responsibly for allowing my money to be hacked and stolen from me. My name is XXXX XXXX and my bank account is XXXX ( opened in XXXX, MS ) and last 4 digits of the card was XXXX. All of this money was pulled into a fraudulent account. It bought cryptocurrency and I did not authorize these transitions and want Regions to put that stolen money back in my account. I have a police report XXXX. Which states money was stolen and unauthorized. They lied and said they talked to the company. I called and the company said they never spoke to Regions and would not speak to banks for any reason. They just don't want to take responsibly for allowing these to happen and not being accountable for their mistake.

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 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This complaint is associated with Wells Fargo Bank. I have had multiple accounts with Wells Fargo including a VISA credit card. Over time, I accumulated points by using that card. Recently I attempted to redeem rewards online without success. I went to a local Wells Fargo Bank to find out what was going on. I was told that Wells Fargo closed my VISA account. They maintained that I hadn't used the account for some time and that they sent a letter to me notifying me that the account would be closed. I have no knowledge of any notice and, according to my card, it is not set to expire until XX/XX/2018. The person at the branch was also told that since my account was cancelled, all of my accumulated points were cancelled, as well, even though my online account still states that the points are valid. The person at the branch attempted to get a copy of the letter purported to have been sent to me but was told that a copy of that letter was not available.

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 2018-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
For over 20 years I have been transfering money to XXXX XXXX for family emergencies ( death, hospitalizations, celebrations, etc ) by Western Union (WU ) with no problems, when all of a sudden a transfer on XX/XX/2018, for {$200.00} was declined and the amount refunded on XX/XX/2018. After many calls to customer service I did not get the any answer as to why! I filed a complaint with the MD Dept of Labor and Licensing ( DLLR ), who received a response from WU indicating that they made a business decision to cancel ( my funds transfer ) based on suspected consumer fraud. ( NOTE : THE MONEY SENT WAS MINE AND THE RECIPIENT WAS A NEPHEW I HAVE KNOWN SINCE HIS BIRTH! ) I appealed to WU and on XX/XX/2018, I was sent a questionnaire for reinstatement which also requested my financial information. I submitted all of the information. On XX/XX/2018, they acknowledged receipt of the information. Finally on XX/XX/XXXX, I have received a response upholding their previous decision to deny me access to their money transfer services. I requested an explanation and the reply was reason why consumer not authorized to use Western Union services can no be disclosed, it is private policy. Read all the fine print explaining services but only reasons they seem to list are based on fraud or criminal activity. The financials I sent to WU and verified by my banks and brokerage clearly prove that the money is lawfully obtained. Then when I sent their response to MD DLLR they indicated that since WU was relying on their policies they could not do anything further.

I AM BLOCKED FROM USING WESTERN UNION AND NO ONE GIVES ME A VALID REASON! I do find it interesting that after years as a GOLD CARD member, I have enough points that I no longer have to pay transfer fees, and NOW THEY DO NOT WANT MY BUSINESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I was a cash patient to XXXX XXXX XXXX XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) back last year prior to XX/XX/2017. At that time I was a XXXX not having the best health insurance plan so it was best to pay as a cash patient ( per XXXX XXXX XXXX XXXX ). I paid the full amount of {$100.00} for the check up and was told from the front office that my account " WAS PAID IN FULL AND CURRENT ''. My assumption here is the back office was NEVER updated and I find out through a letter from Credit Consulting Services , INC. on XX/XX/XXXX a collection letter that states COLLECTION NOTICE for the amount of {$100.00} + {$11.00} ( Interest ) = {$110.00} I reached out to XXXX XXXX XXXX XXXX in XXXX with the above mentioned address and even on XXXX this business does not exist and is CLOSED. They're now a new business operating under XXXX XXXX XXXX XXXX and when I attempted to get the back end office number to clear up this discrepancy I was informed a contact number to which when I called that number this number was a non existing phone number. This is very frustrating as I never got ONE single letter mail from XXXX XXXX XXXX XXXX over a year later stating I owe an amount to Credit Consulting Services INC,  with a Collection Notice that I owe a debt that should've been cleared up by XXXX XXXX XXXX XXXX when I paid the full amount. Why must my credit be affected as a negative item and suffer when XXXX XXXX XXXX XXXX clearly was at fault by hiring incompetent employees that could not complete a simple task as such as updating a payment record for a cash patient. If any information is needed from my end please feel free to reach out to me.

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Gemini Direct LLC, dba Credit Innovation Group
State: FL

Complaint narrative:
I have 5 moths to Credit Innovation Group to fix my Credit. They has promised me that they can fix my in 1 month to 5 months. I went to check on my credit my credit its still the same with only disput. They have only put disputable on my credit thats it. I ask them for my money back but no respond back. Its Rip Off thats what they doing. XXXX Credit Profile Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I owe a debt of {$3600.00}. I'v gotten four letters from this debt collector in the same month of XX/XX/XXXX and XX/XX/2018. I called and told then I was on SSI. I was told to send in an Award Letter which I did. Along with the Award Letter I sent in a Judgement Proof Letter. I called a week later after receiving the second so called Summons to  ask if it was receives. I was told it was on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Student Assistance
State: GA

Complaint narrative:
I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and American Student Assistance no response XX/XX/2018.Instead my file was transferred to another agency XXXX XXXX on the XX/XX/2018 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from American Student Assistant that I will not be offset XX/XX/2018 I was offset XX/XX/2018 (  enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and American Student Assistance refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. American Student Assistance violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did XXXX XXXX review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.

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