vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: PA

Complaint narrative:
I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I have asked numerous times for this company to show proof that this is my debt and still have yet to receive it.     I have never been to the location listed. Until they can show the originally paperwork with my signature or ID or anything they need to remove it from my credit as it is causing me issues and it is not mine. I am so tired of asking and disputing for them to prove this before just throwing it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a chapter  XXXX  bankruptcy in   XXXX   I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and  XXXX  refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 2017-05-10 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: AL

Complaint narrative:
Transunion experienced a computer glitch the early part of this year that deleted my inquiries off of my credit report. Transunion later added the inquiries back on to my credit report without giving me the legally required 5 day written notice prior the inquiries being added back on to my credit report. I called Transunion on  XXXX / XXXX /  XXXX   and spoke with a foreigner and I asked for the inquiries to be deleted, and I was denied. The rep stated that I was not a victim of identity theft, and that the inquiries would remain on my credit report. The rep hung up in my face. These inquiries add a hardship as I 'm constantly denied credit and my rights were violated by TransUnion.

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 2017-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, My name is  XXXX   XXXX  and I open a credit card account with Chase Bank f or British Airways ( A cct # ) around    2002  and at that time there was no Annual Fees. I have never sign any credit card agreement with this bank Chase bank with British airways and now I have been charge annual fees without my consent or any agreement between me and the bank. I have requested several times to send me the original agreement with my signature on it that show any annual fees involved but to no avail. Chase bank refused and trying to destroyed my credit rating files with  XXXX  major Credit Bureau by pressuring me that I have to closed or cancelled my credit card account in order for them to stop billing/Charging me for annual fees that I did not signed for. I have never received any agreement that involved annual fees. I am asking for your help to stop this kind of abuse from  Chase B  ank/British Airways from   XXXX  off a working class people like me. Enclosed below is my attachment billing from  Chase bank /British airways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up..     I would like to see signed documents or original paper work with my signature, ID something to show proof.

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 2017-05-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy in 2012 I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus XXXX and exprian refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an account with Wells Fargo, and I have been trying to get access to copies of checks that have been deposit onto me account ; but the online system only allow Wells Fargo clients to access checks within 90 days of deposit ( most banks allow up to 3 years ).
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In order for me to get online access ( view ) the check details ( such check number ) behind the 90 days, and or go to the branch for the same reason, Wells Fargo charges his clients a fee per every check request. In addition, it will take the clients 10 days or more to view the check that it will be sent via mail. Wells Fargo do not allow his clients to print, download a check behind the 90 days either. In my personal opinion, it 's my believe that Wells Fargo practices are not only deceiving the consumers on what fees they charge ( i.e - my account has no fee if I keep a a minimum balance ; however they will get their money to use such services like get a copy and or view a check ), but as well unfair business practices.. Most banks, such XXXX XXXX, allow their clients to view account summary, checks, print, and download the same up to 3 years ; so why is Wells Fargo does not follow the same rules as other banks?

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 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: GA

Complaint narrative:
On XX/XX/XXXX I discovered a Chapter XXXX Bankruptcy had been re-inserted into my credit file by XXXX. This item was previously deleted on or around XX/XX/XXXX. The credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an XXXX representative name XXXX today, she stated it was reinserted from a notification they received from Experian. This makes perfect sense because I recently file a complaint about Experian on XX/XX/XXXX. She also stated that the item is in dispute based on the information that Experian sent to them. This is very concerning to me, for one how can they report something based on Experian & furthermore, put it in dispute based off that same notification? I never gave Experian permission nor authorization to share or furnish my information with anyone especially another bureau. Both XXXX & Experian have violated the FCRA & upon checking their website to view my report, it states this information was furnished by XXXX XXXX ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from XXXX dated XX/XX/XXXX in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that XXXX please delete this item immediately & Experian refrain from sharing any of my information with other bureaus..

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 2017-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account from 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 2017-05-10 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: GA

Complaint narrative:
I am filing this compliant against   XXXX   XXXX   XXXX     XXXX  and  Experian  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  & Experian continue to reported this account as verified, without proof. However   XXXX   has removed this account from 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 non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo claims there was a clear title when modification was obtained. Have furnished supporting documentation from Wells clearly showing they delayed finalizing my modification due to title issues. Title clearly has these liens even then. Liens were put on in  XXXX .and 12 2 years prior to modification.
Now Wells Fargo states they can not do a modification nor principle reduction which   XXXX   XXXX   offers due to these same liens that were there years ago. ( letters attached showing Wells Fargo refusal to assist in any way due to prior modification and any other excuse they can come up with ) they state all liens must be cleared prior to a modification.
How did I get the last one, why has Wells Fargo put a claim in with the title company for the errors made by title and Wells?
Why did Wells deny my right to contact the title company concerning these errors?
Why has Wells refused any help since I asked close to a year ago.
Why is it that there is no protection for homeowners again?
How is it that Wells collected on a title error for the loan and I cant get assistance?

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 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Today is   XXXX   XXXX   XXXX     and for a couple of days now I have been trying to resolve and deformant my loans for now since I will be delivering my second baby in  XXXX . I have been trying to explain that to them from Customer Service to the  Manager  and they are demanding that it does n't matter to them and they will need a payment asap.. It 's very sad and ashamed that they ca n't hear there customers and instead wants their money. I 'm fed up and tired.     My husband has been unemployed since  XXXX  of last year and I had told them I am the only  one  working and I 'm the  one  making the Income as for now.     This really needs to be resolved and looked into asap I ca n't do this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   credit card.   I made three payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was told  XXXX   XXXX  had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  Portfolio Recovery  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted  XXXX   XXXX  but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  XXXX   XXXX .     In  XXXX   XXXX  I contacted both  Portfolio Recovery  and  XXXX    XXXX  k.  Portfolio Recovery  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance.  XXXX  said the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth with  XXXX  Bank and  Portfolio Recovery  since  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: FL

Complaint narrative:
I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.

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 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resource Management Group
State: FL

Complaint narrative:
On Monday  XXXX    XXXX   I received a call from  Resource Management telephone  number  XXXX , the representative asked for a  XXXX   XXXX   XXXX   I  advised her I was not   XXXX    and to stop calling my number. On  XXXX   XXXX ,   XXXX   I received yet another call from the same number mentioned above from, the agent whom called asked for  XXXX   XXXX  I told her the same information, " I am not  XXXX  and stop calling my phone '', she then said verbatim " I am NOT removing your number and we will keep calling you '', I told her that I would contact the police because at this point I felt like I am being harassed, she then said " you are so ignorant, they wont do anything ''. I asked for her name she hung up. I called back and was told the person I was speaking to was  XXXX   XXXX  and her  manager  was  XXXX   XXXX , apparently the both were not available. I asked for the number for the corporate office I was given a  XXXX , this number is the same number that they have called from but its toll free. These calls are continuous and this company obviously does n't want to stop calling. I want to know the steps to file a small claims suit for violating the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.

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