vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 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: LEXISNEXIS
State: NY

Complaint narrative:
All three credit bureaus are reporting a Bankruptcy Chapter XXXX from XX/XX/XXXX on my credit reports, however, XXXX immediately removed it upon my request, yet XXXX and XXXX continue to report it claiming it obtained the public record from LexisNexis. I sent my first letter to LexisNexis on XX/XX/XXXX via certified letter ( letter and certified receipt are attached ) and they did not respond within 30 days, therefore, violating the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I then sent my second letter on XX/XX/XXXX via certified mail ( letter and certified receipt are attached ). I also asked for a copy of my credit report on XX/XX/XXXX and have yet to receive it, therefore, I called LexisNexis yesterday to enquire and they basically had no answer, so I decided to ask about the letter regarding the 'Bankruptcy Dispute ', I spoke to XXXX and he said he had good news, that there were some items removed, however, not the Bankruptcy. I've never seen the credit report LexisNexis maintains under my Social Security Number, so I'm not sure what good news he had for me and he did not disclose that to me. Nonetheless, LexisNexis failed to respond to me violating the FCRA section 611 ( a ) ( 1 ) ( A ), therefore, they must remove the Bankruptcy and issue me a letter confirming as much. Lastly, Federal Law Rule 9037 prohibits their validation methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This account XXXX was charge-off status on my credit reports that I have no knowledge of. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a balance of ( {$770.00} ), and charged offXX/XX/XXXX The account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX XXXX. I didn't received a notice from Portfolio. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on several occasions asking for VALIDATION, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information. On my credit report Portfolio re-aged the debt showing the account was opened on a different date. This is not my debt with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. I've even disputed it with All credit bureaus and they all state that debt is verified not VALIDATED from the furnisher on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a line of Business Credit with Wells Fargo for over 8 years. Shut the account down due excessive fees and sold my XXXX. I have been paying account faithfully over the years. Called Wells Fargo Customer service to get a payoff figure to pay off account. On XX/XX/XXXX went into the local branch here in XXXX, NC with a certified check to pay off line of credit. Two weeks later went on line to check my account and there was a credit of {$100.00}. A week later ( XX/XX/XXXX ) went back into the branch and spoke to Manager and he said we have to have 14 days - 21 days before a refund check can be issued. As of the date I have not received a refund check from Wells Fargo Bank. I feel as a consumer I am getting the run around. The is the worst bank I have ever dealt with. I would like to received a refund since I have follow through with this transaction.

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 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Credit Management Lp has reported to all 3 credit reporting agencies concerning an unknown debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
Original loan was in XXXX. XX/XX/XXXX received a text saying a warrant for my arrest was being done for non payment. Loan didn't maturectil XX/XX/XXXX so it wasn't even past due as of yet. I have since lost my jonmb so can't pay. They say I owe XXXX, XXXX and something dollars, so balance has increased instead of decreased. I have since learned that my contract is illegal. They are charging 152.08 % annually which is over the 12.5 % cap on pawn transactions. Have relied my truck and said selling. So far, no resolution. They will not budge. Want my truck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax Credit Report suddenly showed a hard pull by XXXX XXXX XXXX XXXX XXXX. on XX/XX/2018. I spoke with an Equifax representative by phone today and told her I did not authorize XXXX XXXX XXXX XXXX. to pull my credit for any reason. I use XXXX for cell phone service and XXXX XXXX for TV service. I have no need for XXXX XXXX XXXX XXXX. The Equifax rep said I would have to dispute this with XXXX XXXX XXXX XXXX, even when I suggested that this could be an attempt by someone to use my identity. Equifax is very difficult to deal with under these circumstances while XXXX is much easier to work with. It is no wonder most lending institutions are switching to reliance on XXXX for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us.

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee.

The only explanation is that the loan started over. - what does this mean? What is this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: NC

Complaint narrative:
TransUnion failed to correct an account from XXXX XXXX Loans in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want TransUnion and XXXX XXXX Loans to correct this error and update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I requested a loss mitigation review for a modification to help bring my account current. The correspondence between the loss mitigation team at Freedom Mortgage and myself has been slacking. 
First, I have not received the acknowledgment letter that was supposed to be dated within 5 days of receipt of my documents advising me of the missing items. Yes I received a call, but they stated a letter was sent out. I advised them that I was at work, unable to write things down as I operate construction vehicles ( dozers, etc. ). They said no worries basically because this letter was supposed to be sent out. NEVER RECEIVED IT. I know according to the CFPB and OCC regulations, they are in violation of notifying me of my missing information. 
Number 2, Just 2 days ago, I finally received the SPOC letter advising me who my contact was. This should have been sent to me as soon as my documents were first reviewed. Not 3 weeks later. I am aware of the regulations and compliance rules/laws. 
3rd issue, I was advised my 4506T form was incomplete, when I review the sample provided verses the one I submitted, EVERYTHING is filled out correctly. This is alarming to me, as I now feel that Freedom Mortgage staff might not be able to review the documents in the proper manner. How do I know they will calculate my income, expenses, and review all the rest of my documents correctly?

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX this company has attempted to collect a debt of {$85.00} for an XXXX XXXX XXXX bill five times a day, every day starting from 8am to 8pm. I have tried talking to them, I have put XXXX XXXX XXXX representative on the phone with them and had XXXX XXXX XXXX confirm that I did not owe them any money as my bill is automatically withdrawn and always on time. I have blocked dozens of different phone numbers of them attempting to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: GA

Complaint narrative:
We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 

1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. 

I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Siggi LLC
State: NC

Complaint narrative:
XXXX failed to correct an account from XXXX XXXX XXXX in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want XXXX and XXXX XXXX XXXX to correct this error and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: PR

Complaint narrative:
I sent a certificate letter to TRANSUNION LLC on XX/XX/XXXX XXXX XXXX ) asking to validate XXXX XXXX   XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX T RANSUNION LLC answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX service to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that TRANSUNION LLC used false information to verify the accuracy of the XXXX XXXX XXXX AND XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY TRANSUNION CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: GA

Complaint narrative:
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with countywide that had already been released. We continued to pay Ocwen under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to XXXX also under threat of foreclosure for a brand new loan no one ever gave us. 

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. 

The only explanation is that the loan started over. - what does this mean? What is this loan?

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 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Insurance paid this debt, now the debt collector is attempting to recover money not owed. They're also using a malicious practice of reporting the same debt multiple times in a fraudulent attempt to collect a debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, CHECK # XXXX {$210.00} was withdrawed from my checking account and I was charged a overdraft fee of {$36.00} I have contacted PNC bank to waive this fee as a courtesy credit, and they have refused saying that I'm not eligible. 

Here is the Reference number : XXXX I asked to be transferred to a supervisor/manager, and they said they would call back. After contacting the manager, they were saying that I'm not eligible. 

I asked, what is your eligibility for issuing courtesy refunds? and they said " we don't have one ''. 
I'm very confused that they don't have a policy that defines the terms. They were being passive aggressive about answering this question. They said I received 2 courtesy refunds in XX/XX/XXXX, and that they can not issue one for me now. I have been a loyal customer for at least 12 years, and they are actually refusing to reverse this fee. 

I think it is unfair that they can do whatever they want without any clear policies. They are not transparent about their practices. 

I think this is more than my concern for {$36.00}, actually banks should have clear policies about these things. I'm sure this fee applies to many Americans who are not financially doing well. This is one of the issues I think that affects the poor and that's why there is no clear policy!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/2017

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