vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.

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 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: CO

Complaint narrative:
Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and Transunion refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

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 2018-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I recently found out I was sued by an old apartment company I used to rent from and this debt is now in collections. I looked up the court records and I was never served by this company nor the debt collector they hired nor the attorney 's office whom handled the lawsuit. Now this company is attempting to collect an amount even after the debt is older than seven years due to a fraudulently obtained judgement. This is tremendously unfair and abusive debt collection practices. I have tried to reason with them and they will not cooperate or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: DC

Complaint narrative:
On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: SC

Complaint narrative:
On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..

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 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2017, my wallet was stolen along with all of my identification and credit cards, including an XXXX XXXX issued by XXXX XXXX XXXX XXXX ( " XXXX '' ) were taken. 

Following this event, my XXXX XXXX was then used to make charges at different locations in Florida. For example, on a day in which I was working at my business in XXXX, XX/XX/2017, the card was used three times at XXXX in XXXX Florida. Fourteen separate charges were made out of my area between XXXX XXXX, none of which I made. 

I filed a police report with the City of XXXX Police Department, report number XXXX. I also alerted XXXX XXXX Fraud Department and faxed over further documentation. 

When I recently applied for a mortgage, I learned that, despite reporting the cards as stolen and having them canceled, the XXXX XXXX 's card continued to report to my credit as an open account that is over 90 days late, with a balance of over {$4300.00}. I disputed this information to the credit bureaus as fraudulent and provided paperwork. XXXX  deleted the account ; however, XXXX and XXXX XXXX left it continuing to report to my credit history because, they stated, XXXX 's " verified '' the balance as accurate and not the result of fraud. I am well aware the Fair Credit Reporting Act ( " FCRA '' ) requires XXXX to make a " reasonable '' investigation into disputes -- how exactly did they make anything even close to this?

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 2018-02-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent 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 non-monetary relief
Consumer complaint received 2018-02-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent 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 non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.

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 2018-02-27 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:
I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both Equifax and XXXX  refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Business Services, Ltd.
State: TX

Complaint narrative:
I need Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX Wyoming in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXX until it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX, XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX and the receptionist of the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XX/XX/XXXX, then XX/XX/XXXX along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XX/XX/XXXX. This company is reporting a debt on my credit report that another company has. The other company, nationwide recovery, could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX, XX/XX/XXXX in XXXX of XXXX. XXXX XXXX XXXX   XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XX/XX/XXXX Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
well Macdowell and associates I called to settle my debt XXXX is supposed to be the collector on the my case well I asked her for a settlement amount and she begin to get rude with me about no I can not settle for {$900.00} and I have to meet somewhere close to the amount owed. I don't know why they would place a different amount on my credit report then when I call in the amount is totally different then what is stated on my credit report. I never received any communications about this debt and the only way I found out due to its income tax season and I usually pay my debt off around this time. XXXX seems rude and unethical remarks makes it no better I am not the first to complain about this due to she has her name posted in XXXX review from a complaint another consumer posted that was also trying to settle their debt but could not due to XXXX was very rude and uncanny and hung up the phone on me and the other consumer when I was simply trying to see if we could settle. she began to state that all of her bills were paid and she did not have anything to worry about. okay where did that come from I just want to see If we can meet in the middle somewhere then she began to be very harsh and say what are you offering to pay I gave her a figure and she proceeded to keep telling me repetitive but in a sarcastic way no that's not good enough and she hung the phone up on me when I attempted to call back they would not answer the phone. I have attempted to submit payment to this company and they refused and mailed the payment back since it was not the amount that was agreed on. this incident happened at XXXX on XX/XX/18 ( MacDowell and associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. 

The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. 

I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. 

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