vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get XXXX   XXXX ) creditor told me I am right but still refuses to remove late pays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CT

Complaint narrative:
Debt from XXXX  showing amount owed of XXXX dollars. Debt collection company calls every hour requesting payment also has account from XXXX for XXXX dollars I currently have a XXXX account paid to date. Debts are not mine or we forgiven by company while on XXXX XXXX under XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service
State: CT

Complaint narrative:
Attempted to contact creditor after discharge from military card closed and charged off without warning after discharge. No statements received no contact information to get to someone to pay balance due.

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 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!! 

Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.! 

We try to contact them since XX/XX/2019, without success.! 

Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).! 

We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.! 

The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX and 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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Attention to cfpb ; A company called XXXX is putting false information on their search seite and refusing to remove the info. I have tried to resolve the issue with the company directly however I am receiving no response and it has been 3 months and this poses as a security issue for me and my family as our personal info. is being exposed. They put my name in these listings XXXX XXXX ; XXXX VA and XXXX XXXX in XXXX XXXX VA. I don't go by this mane nor do I live in any of these places. Also a company XXXX XXXX ; XXXX ; XXXX ; and XXXX ; XXXX ; XXXX and many other like XXXX ; is posting false information in these names XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX also XXXX  ; XXXX ; and many other search seites is being posted like this and I want all these false info. to be removed and also XXXX   posted false divorce records against and refuse to remove the info. also a with hold persuant. to USCIS false odd file control number is circulating on XXXX and on other searches as well in XXXX XXXX XXXX and I requested this to be removed but they denied this request also also XXXX and complaints XXXX falsified slanderous alligations against me that could harm my security and I pose as no threat to no one any I am a legal law abiding US citizen.

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 2019-02-07 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I made a single {$2000.00} money transfer, WU withdrew the money twice from my XXXX XXXX XXXX account onXX/XX/2019. I have repeatedly contacted them to refund my money. They acknowledged their error but did not refund my money. 

Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
As of XX/XX/XXXX, this Fraudulent XXXX Account ( XXXX ) REAPPEARS on my credit report after it was removed back in XX/XX/XXXX. I DO NOT have ANY SIGNED accounts with XXXX. I DID NOT sign any accounts with them. Furthermore, EXPERIAN removed the account from my credit report back in XXXX of LAST YEAR after they DID THEIR INVESTIGATION in XX/XX/XXXX. So, again, this is MY FINAL ATTEMPT BEFORE I SUE EXPERIAN because they violated the Fair Credit Reporting Act by NOT notifying me before RE-INSERTING an account they removed almost a year ago.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX  XXXX   XXXX. 
Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically? 
Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property. 
The issue is that the holder of the note named by Ocwen as XXXX   XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. 's asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX  XXXX XXXX a division of XXXX XXXX XXXX  involving an interest in real estate, land and building, immovable property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I was injured in an accident in 2016 and went to the hospital. I didn't have my insurance card on me at the time so originally the hospital didn't get insurance information. However, I gave it to them immediately after. Somehow, Wakefield and Associates was given my information immediately after that accident and before I got my insurance information filed. I told them in writing on their website when they sent a letter asking me to explain the event. I wasn't sure why a debt collector was aent my info so immediately ( within a week ) or why they needed an explanation of the case, but still sent it. They should have updated the debt to not existing since I paid the hospital and they never wrote back telling me anything after my insurance paid. Instead, they started calling me every single day from numerous phone numbers and have not stopped since then. I have blocked over 10 numbers associated to this company and they still call daily from at least 3 phone numbers. They are complete scam artists. Stop calling me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TCF NATIONAL BANK
State: NC

Complaint narrative:
Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Good morning, I am trying to obtain a lien release letter for a vehicle. The vehicle was purchased and paid off approximately 10 years ago by my parents. My mother recently passed away and I am the Executor of her estate. I am trying to assist my father in obtaining the title for this vehicle so everything can be switched to his name. I can not get a title for this vehicle until I provide a lien release letter to the motor vehicle. The loan was originally obtained through the XXXX XXXXXXXX XXXX XXXX. After doing some research, I found out that this company was brought by Capital One. My Dad and I went to a local branch and tried to obtain the lien information in XXXX, but there was no record of it. I came across the FDIC after further research and it was suggested to contact Capital One directly, however I did that already and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX XXXX XXXX.

Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically?

Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property.

The issue is that the holder of the note named by Ocwen as XXXX XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. XXXX asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX   XXXX  XXXX a division of XXXX XXXX  XXXX  involving an interest in real estate, land and building, immovable property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
well fargo sent me a notice that my escrow was off and that i owed an extra {$87.00}. said notice says there office hours are 6am-10pm. when i called them at XXXX XXXX i get a recording that says there office is closed. if they can't even get there office hours correct on official notices how can they be trusted to actually calculate my escrow correctly? 

they should have received a refund check from my home owners insurance policy in the amount of {$300.00} dollars that was sent to them by florida XXXX XXXX. Additionally my homeowners premium will actually be going down by over {$1000.00} dollars a year which means i actually have a surplus in my escrow account not a shortage. please stop crooked wells fargo from repeatedly sending notices with false and or misleading information as it cause undue stress on home owners '.

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 2019-02-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a credit card with AMEX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with American Express. I tried contacting both XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I requested that Affidavit of fact Page 1 enclosed to  Transunion / XXXX /XXXX they never responded to page 1 in any detail submitted on XX/XX/2018 enclosed transunion , response was Closed with explanation { i will receive results in 60 days of investigation never any information from any of the companies .I have contacted the company throught the CFPB many times no response but one and I can not get an answer to that question who owns this alleged account if it is in collection I can not get a answer from anyone. Also I keep getting update changes again, XXXX states in collection this seems to can not get validated also if this alleged account is in collections XXXX has no legal right to report this alleged account, BUt that makes this alleged account between the XXXX and myself paid in full making myself the alleged furnisher with all legal rights by owning alleged contract I have no alleged contract with anyone else on is this alleged account not a contract with any third party with my signature .i request a copy of alleged account paid in full

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

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 2019-02-07 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation