vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 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: FL

Complaint narrative:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

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 2018-04-26 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: FL

Complaint narrative:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with Experian. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
What happened? 
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX  took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX   took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
This is in reference to # XXXX that has been closed. Experian indicated that they are in the process of removing XXXX XXXX XXXX from my credit report. They have declined to remove the name XXXX XXXX XXXX from my report. Again, I have never been associated to anyone who has this last name. The other two major credit reporting agencies have removed this inaccurate information so why is Experian indicating they are declining to remove this? I would like further investigation and also for them to provide the information of whomever reported this. 
Thank you

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 2018-04-26 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: Credit Protection Association, L.P.
State: ME

Complaint narrative:
A debt collection agency has repeatedly called me first thing in the morning XXXX waking me up ( I work the late shift ) seeking a debt collection from a XXXX XXXX? I have tried several times to call the number they provide ( XXXX ) to remove my number from their list but it brings me to a dead end and disconnects. I have an old answering machine so do not have a caller ID. Please make them stop. 
Thank-you!

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 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received my Capital One in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. I have been a proud customer with them for years ; however, in XX/XX/XXXX due to XXXX XXXX, XXXX XXXX   and family obligations I was left in an unfavorable position financially which caused me to have a late payment on my Capital One account. 

I have sent Capital One goodwill letters on multiple occasions ( two Goodwill letters to the CEO ( XXXX XXXX, XX/XX/XXXX ) and multiple phone conversations with XXXX of Capital One Executive Office ( XX/XX/XXXX ) ) to request for assistance and understanding of my situation. I have also offered to send proof of medical history during my hardship. They have denied my requests and they are not willing to negotiate, change my status or assist me in any form. 

I have taken numerous steps to ensure that I am a current and abiding customer. I have downloaded the Capital One App and I received notifications to my phone & email to ensure that I am most current on my Capital One payments - and I have been. Even with these successful changes and a spectacular payment history since, they have not been willing to consider my request to remove this single late payment from my credit reporting history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I was informed in a bank email dated XX/XX/XXXX ( attached ), that proof of cash to close was necessary 30 days prior to closing. I informed the bank, in my letter dated XX/XX/XXXX ( attached ), I would provide proof of cash to close 30 days prior to closing and authorized them to proceed with an appraisal. Three weeks later on XX/XX/XXXX ( attached ), three months prior to the closing date of XX/XX/XXXX, the bank informed me I had ten days to prove proof of cash available for closing. If I could have complied with the 10-day notice, it would have cost me extra thousands of dollars I otherwise would have not incurred. Due to the extremely short notice, I requested flexibility in my email dated XX/XX/XXXX ( attached ), and heard nothing from the bank. On XX/XX/XXXX ( attached ), I requested the bank to review my letter of XX/XX/XXXX, cancel the application, and do not charge me for the appraisal. On XX/XX/XXXX the bank refused to refund the cost of the appraisal. The bank was uncooperative, arrogant, and wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: SC

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I file this complaint today on Innovative Recovery Inc. On  behalf of XXXX XXXX XXXX. I have been denied for certain promotional move in prices on apartments due to a balance being reported that was paid prior to being sent to collections. Despite my efforts to get this removed the collection has remained leaving a negative impact on my credit score that could never completely be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My problem is to be unable to access my Wells Fargo 's account for long time now. I used all the systems located in online but they said that all time " we do not recognize your username, password or SSN ". I am truly a customer for many but now unable to access my account in this bank now.

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 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My membership on experian site reports my credit score to  be XXXX ( in line with XXXX and XXXX who reports it to be XXXX and XXXX ). 
Experian reported my credit score to my bank ( XXXX XXXX ) as XXXX. 
The 2 figures are way apart. I have tried phone connection and on line disputing this issue with Experian in vain. Difficult to communicate efficiently with them.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In 2007, I applied to Navient for Student Loan Forgiveness. They approved me and transferred my loan amounts to Navient. I paid my monthly loan payment for ten years and was a XXXX XXXX XXXX   and a XXXX XXXX XXXX XXXX then went back to XXXX XXXX XXXX. I contacted Navient for the loan forgiveness and was told to contact MyFedLoan to apply for the forgiveness. I went through the process they approved my employment and my 120 payments ; however, I was not qualified for the loan forgiveness because I was not in an eligible repayment plan. Navient counseled me on my payment plan, they never told me I was in an ineligible repayment plan. Now I am told by MyFedLoan that I will need to make payments for another 10 years! I recently read some articles online about Navient and it recommended I file this complaint ; I hope I will receive a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 my agent entered my local Citibank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit a promissory not with the value of {$10000.00}, to be divided as follows ; {$10000.00} to be credited to my account with that branch, as well as {$500.00} in cash or federal reserve notes. The person i spoke with accepted the promissory note, implied that he understood the conversation was being recorded, and expressed his understanding of the debt created by his acceptance of the promissory note as a representative of THE BANK. the MANAGER of the bank was standing there between us participating in the conversation. SHE ( XXXX ) admitted that she had made multiple mistakes during the conversation, including calling themselves representatives of the bank, instead of employees of THE BANK. 

The teller ( XXXX ) accepted the promissory note, from my hand to his, and said the words " I'll accept this promissory '' and " the funds will be credited to your account tomorrow morning '', but the funds were never credited to my account, and no cash was supplied as had been ordered with the deposit slip. 

These underhanded business practices by THE BANK and " it's representatives '' has eroded my faith in the Federal Reserve Banking System in its entirety. Please see that the bank honors the promissory note that IT has already accepted as well as any future promissory notes I will be depositing.  thank you and have a blessed day, 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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I seen where I had a collection on my credit report with Calvary portfolio. I disputed through the credit reporting agencies and all I was sent from Calvary portfolio was a debt settlement offer. I requested validation of this debt numerous times and even filed a compliant with the XXXX  and Calvary portfolio comes back with the same reply that they validated and sent to my home address. The ONLY thing I have ever received from them was a debt settlement and that was in XX/XX/XXXX. I have not reviewed any type of debt validation from this company and this has been ongoing since XX/XX/XXXX. That is 4 months and still nothing showing what the debt is for, is it my debt, when and who the bought the debt from. Every compliant comes back that they previously validated. I am an honest person and I would not say I hadnt received anything if I had received something. This is a violation of my rights. A debt collector has 30 days to provide validation of an account that is being disputed. I want this removed from my credit reports and not to be sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
yes bank of America has been taking fees of XXXX dollars out of my account XXXX because they stated I no longer had a mortgage with them but then they lied to my wife who is on doctors order XXXX  as she is taking XXXX and I am XXXX XXXX XXXX due to the fact she had to go on XXXX they falsely charged us over XXXX in fees for maintenence after we refinanced but still have other accounts with them credit card and other checkings. I tried to resolve this with them several times and there excuse is they can go back only three months. My wife is a XXXX  her XXXX is not good and her XXXX treatments.

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 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I noticed on my credit report that I had a collection added from the company XXXX XXXX XXXX XXXX. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I saw on my credit report that it comes from a company called Synerprise Consulting Se and they haven't reached out to me or sent me any type of notification regarding this claim.

Company response to consumer: Closed with explanation