vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I filed my REPAYE application in early XX/XX/XXXXand myfedloan has still not processed it. First they told me there was some type of delay and put me on a forbearance or deferment. Then, they asked for a {$5.00} payment in the beginning of XX/XX/XXXXwhich I made and then failed to put me on the reduced payment plan. Rather they put me on the regular payment plan with a payment I could n't afford. I was assured that the reduced payment was coming soon despite my account and statement showing a very large payment. Very close to the due date of the large payment I reapplied for REPAYE and when I called for the status of my application I was told that my original REPAYE application had now been rejected and that I had to restart the whole process. I thus had to apply for a forbearance which I did n't want to do.
I would sue this company but I do n't think there is a private cause of action for what they did being that it seems it is preempted by the CFR regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO

Complaint narrative:
I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo accepted a payments from me then i sent them another payment and they sent it back. I have asked for a reinstatement figure. I am presently raising the money to bring my loan current. I have most of the money but will I have enough time? 

I tried to speak to Wells Fargo representative they said I have no more chances to get any help from Wells Fargo. The so called re-entry team will not even talk to me. 

After submission of over 20 or 30 documents they requested every week while I was trying to work with them each week. 

As soon as I sent them every item they requested on the list for the underwriter that changed according to them every week I had to start over. 

My house is all I have. I have tried to pay a large sum down and make payments each month to be considered for a workout they wo n't to anything to help me. 
Please help me save my house.

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 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action

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 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: PA

Complaint narrative:
I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: VA

Complaint narrative:
No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes. 

Selene Finance is being sued for insurance fraud by XXXX vs Selene XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX This Loan was originated XX/XX/XXXX with XXXX XXXX, now defunct, at 7.5 % 30 yrs. XXXX XXXX took over the mortgage from XXXX XXXX. 

XXXX XXXX was servicer from XX/XX/XXXX-XX/XX/XXXX, and here is where the loan payment discrepancy occurred. 

XXXX XXXX sold servicing rights to Selene Finance ( XXXX ) XXXX, who after zero missed payments, and no offer to modify this mortgage decided to stop receiving my monthly payments at the end of XX/XX/XXXX. 

I have been battling with Selene, and their Lawyer since XX/XX/XXXX. 

My mortgage is not foreclosed at this time, and I hope to refinance with another mortgage provider to a get start fresh. 

I have the ability to pay monthly, my income is {$70000.00} per year, and have been employed with the same XXXX for 18 straight years. 

The value of my home is {$200000.00}, and the balance on my mortgage is {$150000.00}. 

I have {$51000.00} of equity in this home. This home has been in my family since XX/XX/XXXX, 40 years. 

Please offer me a new mortgage. I only want to refinance the balance {$150000.00} for 15 years. 

Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX My FHA Case # is : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX My name : XXXX XXXX XXXX, XXXX. 

This is the information on the DEED OF TRUST that I have, and signed XX/XX/XXXX The current loan servicer is Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Their Attorney is XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX My family purchased this home in XX/XX/XXXX. I refinanced this home in XX/XX/XXXX, and have paid over {$140000.00} towards this mortgage. I want to keep this home. 

Please help! 


Loss Mitigation Services for FHA Homeowners XXXX XXXX, XXXX. 


No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC
State: MD

Complaint narrative:
The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.

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 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The first letter received was dated XXXX XXXX 2017. It was from a XXXX XXXX XXXX XXXX on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.

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 2017-09-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under 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 2017-09-07 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: CA

Complaint narrative:
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and XXXX have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. Experian, XXXX, and XXXX have it reaged.

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 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Hello, The bitcoin wallet site coinbase.com just locked my account on XX/XX/XXXX without any reason and seized my funds, now I can not access to my account nor to my funds. They locked my account without any reason. Please help me get my funds back. A lot of people are complaining about coinbase fraud and I 'm one of those victims, I sent various emails to coinbase support but they do not respond at all. They 're making people fool and locking their accounts. I have almost {$1000.00} USD locked in my account, Please help me get my funds back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a Bank of America BUSINESS checking account ( XXXX XXXX XXXX ) for the express purpose to deposit my rental income checks from XXXX XXXX XXXX XXXX XXXX XXXX ( which is the property management company that manages my rental properties. ) I was told by the Bank Manager that I would have access to those funds the same day, that I deposited my check. Today, I could not use my debit card. I checked online to discover I did not have a penny of those funds available to me. Bank Mgr tells me a HOLD was placed on this check until XX/XX/XXXX! He said any checks written will BOUNCE!!! WHO incurs all the NSF & Bounced Check Fees?

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 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR

Complaint narrative:
To Whom it may concern : My first complaint was filed on XX/XX/XXXX. 

This is my second complaint ; about Iberiabank, in XXXX XXXX, Arkansas .Branch Manager : XXXX XXXX I fully cooperated with all the banks requests and conditions to receive the rest of my flood insurance money. On XX/XX/XXXX, my wife and I went to Iberiabank in XXXX XXXX. We gave XXXX XXXX alittle over {$12000.00} in receipts to XXXX XXXX. She then made copies of them and the proceeded to tell us that we should hear something within 24 to 48 hrs. It is now Wednesday XX/XX/XXXX. and I still have n't heard anything. On XX/XX/XXXX I Spoke with XXXX XXXX and she told me that she was waiting for her Inspector to come out and look at the house, and he would n't be able to make it for another week. Which has already caused a two week delay. And still have no word yet.

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 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX did an account review on XX/XX/XXXX. Not sure why, I have not applied for any credit cards, loans or anything else during the last year. 



XXXX XXXX XXXX XXXX did a credit report on XX/XX/XXXX. Not sure why, I have not had a car accident, requested any information from them, not have I tried to open an account with them. 

All the address that are listed where I lived are seriously incorrect : XXXX XXXX XXXX-sold house in XXXX XXXX The house on XXXX XXXX in XXXX, TX-sold house back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-have not lived there since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX listed twice with two different dates-both are incorrect. Have not live there since XXXX XXXX Not sure of the address it was XXXX XXXX, TX XXXX have never lived in this zip code XXXX XXXX XXXX  XXXX XXXX, TX-I have never lived at this address. This address belongs to my ex sister n law-who has a son who has been known to steal things from family members.

Company response to consumer: Closed with non-monetary relief