vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XXXX after graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to Naviant and spoke with XXXX. Naviant researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XXXX that has been paid ( loan number XXXX ). 

I was referred to Naviant because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XXXX, and all records transferred to Naviant and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark XXXX integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I checked my credit report and there is a resolved and closed account issue that has reappeared threw another creditor by the name of ( Commonwealth Finance ) .This account was closed by the creditor ( XXXX XXXX ) and submitted to the necessary credit report agencies for permanent deletion from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX/XXXX IS REPORTING MULTIPLE ACCOUNTS LATE THAT SHOULD NO LONGER APPEAR ON MY CREDIT REPORT. THESE ACCOUNTS HAVE BEEN DISPUTED MULTIPLE TIMES AND NOW THEY ARE PAST THE 7 YEAR TIME FRAME TO REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
Value for the property came back way too high. Wouldn't have another appraisal done. Need to dispute value. Got construction company to bid repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!

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 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have made payments they were returned and sent all documents and they end up needing more. Like they do not want to let me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial. 

The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter. 

My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle. 

I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence. 
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court. 
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL. 
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them. 
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me. 
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO. 

I need to license the vehicle so I can drive it. I need it to work. 

I hope you can help me, I can not afford an attorney for this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: MI

Complaint narrative:
I called XXXX service number on the back of the card on or around XX/XX/2018 and explained that I had been through a hardship and wanted to get my XXXX card back on track I told him that I couldn't make a payment until XX/XX/2018 and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my XXXX card was closed on XX/XX/2018 wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/2018 to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XXXX of XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX   is not interested in helping customers when they have fallen on hard times.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc.
State: CT

Complaint narrative:
Called repeatedly, told them to stop calling they do not have the right number. They some how got my home phone number and call at all hours. I have spoken with them many times to tell them to stop harassing me. I have recorded the phone calls that I have asking them to stop. I have a lot of messages from them. On my house phone and my cell phone. Sometimes they call up to 10 times a day. I will get a lawyer and proceed with legal action if they do not stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible. 
Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. 
Please contact me for additional information or questions you may have. 

sincerely, 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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
This company calls multiple times per day to my office XXXX and cell XXXX. I have answered and asked them repeatedly to stop calling ( see attached screenshot, all of the XXXX numbers ), but they insist I must give them my personal information or they won't talk to me. This is harassment and it must stop. I want both of my numbers marked as do not call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. 

The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. 

Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. 

The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number. 
Ally is contacting others who are NOT related to the borrower.

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 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-29 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: CA

Complaint narrative:
CFPB Complaint Experian Report # XXXX for XX/XX/2018 Dear Sirs, Greeting. 

We sent a letter with Disputed Inaccurate Information listed on our Credit Report to Experian, XXXX XXXX XXXX, XXXX, TX XXXX to the attention of : Dispute Department Manager, on XX/XX/2018. 

We provided detailed descriptions of the disputed items and attached a Copy of Government Issued ID and a copy of Social Security number as a verification of identity, and allowed 30 days for them to investigate and correct the erroneous information appeared on our report. 

Experian responded on XX/XX/2018 ; with a fraudulent request ; for us to ( AGAIN ) provide Copy of Government Issued ID and a copy of Social Security number as a verification of identity!!!! 

We believe that Experian and its Managers are acting in bad faith and in a violation of Fair Credit Reporting Act, by STALLING the investigation process ; hence the gap of time listed above. 

We believe by stalling and demanding verifications of identity MULTIPLE times, they will brush the matter away and avoid the costs associated with the investigation process, in their fraudulent attempt to escape their fiduciary responsibilities and in total disregard to the laws and regulations ; with no intention of correcting nor verifying our identity, evidenced by the attachments that sent to them that was referenced in our dispute letter.

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