vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Dynamic Recovery Solutions, LLC
State: DE

Complaint narrative:
Original loan was with XXXX. It was sold 14 times. Ended up in collections. Collection company XXXX XXXX. We went to court on XX/XX/XXXX and the case was dismissed WITH PREJUDICE. Account was beyond statute of limitations. *See attached. In XX/XX/XXXX I began receiving phone calls and letters from Dynamic Recover Solutions attempting to collect this debt. I've ignored phone calls. XX/XX/XXXX I received a letter *attached. I told them the debt was dismissed and they wanted proof. After providing a copy of said dismissal, they sent me to XXXX XXXX XXXX, who in turn reiterated I was to begin making payment arrangements. I refused to speak with a representative from their company. How do I make this stop, as it is causing high anxiety and health issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: AL

Complaint narrative:
About two months ago Lexis Nexus agreed to remove the bankruptcy from my Lexis Nexus report ; however, XXXX, XXXX, and XXXX are stating your company is still verifying the bankruptcy. This is a violation of the FCRA and my next action is filing a complaint against your company with the Alabama and GA Attorney Generals office. If you deleted the information from your database ; why are you still reporting to the credit reporting agency the bankruptcy is valid? I am requesting that you inform XXXX, XXXX, and XXXX that the Bankruptcy information is no longer reporting in your database and refrain from verifying information that is not there. I have provided each credit bureau with proof the Bankruptcy is no longer in your database. I will forward this information to the Attorney General of GA and let them know you continue to violate FCRA rules along with the CRA 's. Either your company reporting false information or the CRA 's are lying about verifying with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}. 
I have been denied, charged XXXX times the deposit on various occasions. 
I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists. 

This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Experian back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

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 2019-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We received a letter dated XX/XX/2019 informing us that our mortgage servicing was transferred from Ocwen to PHH Mortgage. The letter informs us of our new method of accessing their website for information and tells us where to make our payments. The website when we try to access says it does not recognize our information. We tried to register as new users and got a message saying our information does not match any of their information and to call an 800 number. Called the number and they said they could not help us and that they would transfer us to another department, stayed on the line for 30 minutes and gave up. Called back and got the same " service '' rep and asked to be connected to a manager. She put me on hold and I waited another 45 minutes and gave up. We have received one delinquent notice, but have never received monthly billings like we did from Ocwen so we don't know the payment dates or the amounts due. 
My wife tried their telephone help line and it didn't work no matter which option she tried. Both my wife and I have worked in the banking or financial fields for over 30 years. We have never seen service like this. Close this mortgage company down and assign their mortgages to a really mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Westlake Services, LLC
State: UT

Complaint narrative:
ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with Westlake Financial Services associated to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with Westlake Financial Services, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the Westlake Financial Services customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before XXXX, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the Westlake Financial Services customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of Westlake Financial Services at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with Westakle Financial Services but I have not received the necessary attention and I also tried to solve it with XXXX but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
1 ) By correspondence dated XX/XX/2019, I received notice that a Home Depot Credit Card issued by Citibank was approved ; however, I never applied for any such account and notified the creditor of same. 
2 ) Notwithstanding the above, on or about XX/XX/2019, I received an Account Statement listing charges in the amount of {$1500.00} for " flooring '' merchandise bought at a Home Depot store in XXXX XXXX, NJ on XX/XX/2019. I did not purchase the merchandise. 
3 ) On XX/XX/2019, I contacted the creditor and initiated a fraud investigation. The account was closed. 
4 ) By correspondence dated XX/XX/2019, I received notice that an investigation had commenced by the creditor and I was not responsible for any charges during the course of the investigation. 
5 ) By correspondence dated XX/XX/2019, I received notice that the investigation was complete and it was determined that I am responsible for the charges in question and that the charges have been re-billed. 
6 ) I never purchased the merchandise and was not involved in the creditor 's investigation. The merchandise was bought as a result of fraud and I am not responsible for any of the charges. I hereby reserve all of my rights and remedies. 
7 ) All documents referenced above are attached.

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 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received two emails from Wells Fargo stating that someone had sent money via XXXX to a person I don't know ( Named XXXX XXXX ). There were two transactions and two separate emails for each. 

The first was for {$1.00} at XXXX and the second was for {$250.00} at XXXX I saw the emails about two hours after they were sent and immediately called Wells Fargo to report the fraud and was walked through the process of locking down my account - changing my username and password, some other security measures for phone identification, etc. I was told the fraud case would be opened and I would have my money back in a maximum of 10 business days.

7 business days later I called them to get an update and was told that it was still being investigated, but that I would still have the money back in my account within the 10 business days.

12 business days from when I filed the complaint, I received a letter from Wells Fargo ( with a date of XX/XX/XXXX - two days BEFORE I called for an update and was told it was still being investigated ) telling me my claim was DENIED with them and that they are saying that I authorized the fraudulent transactions.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies. 

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XX/XX/XXXX) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for  disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXXXX/XX/XXXX) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt. 

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We are in the process of purchasing our first home. Since XX/XX/XXXX my lender has been trying unsuccessfully to pull my Equifax score and report. The response from Equifax is that no FICO score or information is available for me, but when my lender tries to get my Equifax score I get a notification about an inquiry from Equifax. After many calls to Equifax they asked me to fax my drivers license, passport, W2 and social security card to verify my identity and to be able to look further on the problem. Today XX/XX/XXXX I received a letter from Equifax confirming that all my information is correct but still my lender cant pull any type of information. Called again today and Equifax will look into the issue again. Also I have an Equifax monitoring service, I can see my report using the service but my accounts have not been updated since XXXX, my student loan was updated recently on XX/XX/XXXX. None of the information Equifax is providing makes sense. My closing date is 15 days away and as of today this issue seems that it will put an end of my home purchase since I cant meet my closing date. 
Please help with Equifax, I only need my info to be update and report it to my lender, I have been getting ready for this day for years and all my financials are in place. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I received two ( so far ) text messages from Zelle informing me that someone sent me {$500.00}. I do not recognize the sender 's name, I was not expecting any money from anyone, and I do not use Zelle. 

I contacted Zelle to report the mistake or fraud, and to ask that they reverse or cancel the payment. They refused to reverse or cancel the payment, saying that if I do nothing the sender will receive their money back within 14 days. 

They didn't seem concerned that it was at least erroneously, but likely fraudulently sent from the rightful owners account, and they were knowingly profiting by retaining the money for a significant period of time. 

They also initially said that there was no way to block my phone number from their service, but after I got very insistent the agent seemed to change her story and said that she would block the text messages. I was tired of arguing with them at this point and gave up on pressing the point that blocking the text messaging was not the same as blocking my phone number from any use by their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently won suit against XXXX XXXX XXXX XXXX for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX XXXX XXXX XXXX # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with TransUnion back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

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 2019-08-13 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: UT

Complaint narrative:
ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with XXXX XXXX XXXX XXXX to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with XXXX XXXX XXXX, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the XXXX XXXX XXXX customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before Experian, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the XXXX XXXX XXXX customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of XXXX XXXX XXXX at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with XXXX XXXX XXXX but I have not received the necessary attention and I also tried to solve it with Experian but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On our mortgage fell below the 78 % required for automatic removal of PMI approximately XX/XX/2019 as required within the Homeowners Protection Act. We have contact PNC to remove the PMI, however this has still not occurred. When we contacted PNC they stated we would receive a response with 10-15 days. It has been over that time frame. We received an additional letter dated XX/XX/XXXXwhich stated we would receive another response within 5 business days. We have still not heard anything related to the removal of PMI, we have spent over 2 hours on hold and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX both for travel overseas and military training. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. We have sent another letter to the CEO showing evidence of our travels and military duty.

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