vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
The mortgage was originated with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Bank XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX,  the XXXX XXXX XXXX XXXX XXXX was closed by OCC with FDIC as receiver. During my bankruptcy, XXXX filed a proof of claim dated XX/XX/XXXX. It contained a copy of the mortgage, rider, original note, an assignment dated XX/XX/XXXX with a stated Effective day of XX/XX/XXXX ( recorded XX/XX/XXXX ) from XXXX to XXXX as trustee for XXXX mortgage pass through certificates series XXXX. It was executed by XXXX XXXX on behalf of XXXX. However at this point the XXXX XXXX XXXX XXXX XXXX was in receivership and the FDIC was the receiver and XXXX XXXX would not have had authority to transfer this note. The copy of the Note was stamped ORIGINAL ( with no binder holes ). The allonge was not attached at that time. 

I have requested a loan modification numerous times. I have basically not qualified based on failing the net present value test due to their inflated valuation of the home as well as qualifying for a reduction of my payment of less than 10 %. I requested a waiver of these provisions on several occasions but again with no response. Now I am just denied without even a review, Wells Fargo, the servicer for XXXX said that I didn't qualify for a modification and they wouldn't even review it. I asked for documented verification of this and they have refused to provide this. 
In XX/XX/XXXX, I was forced into a Chapter XXXX bankruptcy due to the downturn in the real estate market and a condo project I was building.Since then I was able to file for a Chapter XXXX bankruptcy but they have still refused to work with me. I filed a bankruptcy to stop the foreclosure sale. 
I have made multiple requests for complete copies of my closing documents and loan documents. I never get them. 
After filing bankruptcy and while attempting to make a repayment plan, XXXX /Wells Fargo has said that I cant rent the property seasonally because I signed a 2nd home rider. I have read that XXXX XXXX has said that the XXXX XXXX rider should not be interpreted to say that. XXXX XXXX has recently revised their rider due to misunderstandings as to the meaning. I also have read that this is an unreasonable restraint against my rights in my property and it is against public policy. I have also read that it is only Wells Fargo that is telling home owners that they cant rent their properties.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Ive been receiving multiple calls every single day for months regarding my account and the debt I owe. I understand what I owe and have contacted the company before about my issues. Im extremely tired of getting these calls and having to block multiple numbers from different people harassing me about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: AZ

Complaint narrative:
I took a interest only loan on my house for {$310000.00} agreeing to {$2500.00} per month. Three months into the loan it was sold to BSI Financial Services and there was no problems until XXXX, when I attempted to make my XXXX Payment the person I spoke with in customer service said " your loan in under a periodic review by the federal government '' because of this we are unable to take your payment at this time call back next week. After 3 weeks of this customer service finally said " just mail a check '' so I sent them a check for 2 months of payment, yes a paper check. The company sent me a statement XXXX for {$9000.00}. What I didn't realize till it was too late that the company was stalling in order to charge excessive fees, charges and anything else they can. They intentionally stalled me for a month saying it was the Federal Governments fault for auditing my account and therefore I have thousands of dollars in late fees. I have made several attempts to contact the company, results vary from them " graciously '' refunding 1 of the 17 or so different fees ( I can't sort them all out ) to them hanging up on me after 9-12 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I am requesting for a update to all three of the credit reporting agencies for me XXXX XXXX and XXXX XXXX for 30 + delinquency reporting for XX/XX/XXXX and XX/XX/2019. I have encountered some medical issues in the beginning of 2019 and have tried my best to keep up with my bills. I am asking for a goodwill update due to the unforeseen circumstances with health that caused the payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Signed the loan paperwork for new vehicle at Nissan of XXXX on XX/XX/19, was approved for a loan and at 6.9 % APR. While finishing up paperwork employee called me a " breeder ''. On XX/XX/19 dealer asked me to come in a get my copies and plates for car. Got there and was told my original approval was denied and they had to finance me with Nissan. Said I would not leave with car if I didn't sign new loan agreement. I also asked to see the denial letter from the first bank and have yet to receive it. I also asked if I could simply return the vehicle and was told yes but it would be a voluntary repo and would severely effect my credit score. I have asked to speak with their General manager several times and owner with no response. Dealership has not paid off the trade in either after almost a month of the sale/trade in. The finance department has been rude, nasty, and terrible customer service the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Tower Loans has been reporting an alleged account on my credit file from the 3 credit bureaus as a charge off with a balance of {$2200.00} and the payment status on the account is showing as current. This is negatively affecting my credit. They have not provided me with an original contract with my signature nor the account reporting for this tradeline.

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 2019-09-12 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: UT

Complaint narrative:
I filed a Dispute against these collection agencys : XXXX XXXX XXXX in the amount of approximately {$5000.00} on XX/XX/2019, explaining that this is not my account. I also disputed an account with XXXX  in the amount of {$370.00} I requested that they send me any documents that I signed obligating me to any debts with this company. On XX/XX/2019 I received a reply from Experian that both of these debts were verified and will remain on my file. I did not ask them to verify this, there is nothing to verify, its not mine. 
The FCRA allows for an answer within 30 days. The law is clear. These companies did not supply me with any signed by me documents that obligated me to them. By law these should have been deleted. Further, I also disputed 3 other collection accounts that were not mine that Experian did delete, to their credit, however the prior month my credit score, that I paid for, was XXXX. Since deleting 3 collection accounts, my credit score is  now XXXX and lowered my debt by {$1600.00}. Since when does your credit improve and your score gets lower? Then they send new credit card offers for people with bad credit at exorbitant interest rates that they admittingly receive compensation for. I am suffering personal monetary losses due to Experians # 1. Not removing inaccurate information within the 30 days prescribed by law and # 2. Falsely lowering my credit scores for their unjust enrichment by offering bad credit credit cards that they get paid for ultimately by 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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed an account on my credit report from ProCollect in 2015 for an apartment complex that I have never lived in. I have been disputing this with ProCollect and the credit agencies for years with no progress. Not only is the debt not mine, but it is also duplicated on my credit reports. I have submitted documents of proof of residency during this time, but ProCollect still will not have the items removed from my credit report and continue to make attempts to collect the debt. I recently contacted ProCollect, the orginal creditor and the credit bureau to provide me with a validation of the debt in the form of the original lease, cancelled checks for rent and/or money order receipts to show proof that I lived there, which none are able to provide. I don't know if this was identity theft or something that the collection agency just came up with. I have had no other problems with any other companies reporting any type of debt during this time. And since no one can provide me with documents to validate the debt, I have to assume that ProCollect has simply put this on my credit report in error, or deliberately. Although ProCollect has stated over the phone that the accounts appear to be duplicates, they will not even remove one of them, which will at least decrease my debt balance. However, both of these accounts need to be removed! They are not my accounts. ProCollect finally said today that they would possibly remove the duplicate account but I would still be responsible for the other account. They said that I needed to provide them with an identity theft affidavit, in order for them to even consider looking into the other account. However, without them providing me any documentation of the lease or payments to verify that someone else used my information ; I don't feel right swearing to identity theft, when I don't know if that is the case. I do not know how they got my information and I can and have provided proof of my residency elsewhere to the credit bureaus. I do not feel comfortable giving ProCollect any more information than they already have about me, since I don't know how they got my information. The amount that they are showing owing on both accounts is {$6600.00} for a total of {$13000.00}. These accounts need to be removed immediately from all three credit 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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: MS

Complaint narrative:
I do not owe this debt. It is the result of identity theft. Ive tried reaching out to the debt collector, XXXX and CFPB. This debt does not belong to me yet noones taking action to remove it from my credit report. XXXX   XXXX XXXX XXXX XXXX must be investigated for fraudulent practices. Ive been dealing with their attacks on me and my credit report since 2017. I have been consistently targeted by the XXXX staff. Take a look at the documents attached. This fraudulent debt collection agency doesnt provide an account number. This is done to gain access to consumers social security numbers. This company must be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Applied for American Express Blue Business card which offered a 10,000 point welcome bonus after spending {$3000.00} in 90 days. After waiting some time after meeting the spend and not seeing the points post, I reached Amex. The chat agent mentioned that the " welcome offer '' was declined by Amex but couldn't explain why. This seems rather deceptive to have an offer and not notify the end user that you are declining the offer yet approve them for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
XX/XX/2015 I filed a chapter XXXX fed loan service gave the trustee an amount of XXXX  on  paper the amount was paid the bankruptcy was dismissed by the court fed loan service refuses to acknowledge this they have created a bill that no longer exists they are charging me late fees on a loan that isnow paid and is over 31 years old over 16.000 has been paid on an XXXX loan I have paper work to prove the amount they gave the truster

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I began an 8 month lease with an apartment complex in XXXX, CO called XXXX XXXX at XXXX in XX/XX/XXXX. It was set to expire in XX/XX/XXXX and I extended it on a short term basis twice into XX/XX/XXXX. I had numerous problems with the complex involving communication and incorrect information, but after moving out I saw that I had a final amount owed of XXXX. Despite feeling that this figure was inaccurate, I felt I needed to pay it due to the aggressive late fee structure of the complex. I did so on XX/XX/XXXX and followed up with the company. Upon doing so, I discovered I was charged for items that were false and incorrect. I was told I would be issued a check in the amount of {$160.00}, which has been withheld. Instead, the company created a collection on my credit in the amount of my final rent, which as I stated was paid on XX/XX/XXXX. My bank records will reflect that. The company does not issue receipts they indicate they will, does not return phone calls as promised, and has now falsely reported items on my credit. This is dishonest and abusive behavior and has taken months to monitor and is further from a solution than it began.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: CO

Complaint narrative:
XXXX offered me a " bundle and save '' deal if I transferred my phone landline service from XXXX to XXXX. 

When XXXX turned out to be significantly more expensive than promised, I cancelled my XXXX service, and returned to XXXX. 

I paid XXXX in full when I cancelled the service. 

I recently found out that XXXX put a black mark against my credit because I applied for a mortgage. XXXX claims I owe {$53.00} for a " final bill ''. XXXX claims my account number is XXXX. This is impossible. I had already started service with XXXX, and cancelled my XXXX service. XXXX refused to give me any details of the alleged debt, and never even billed me for this " final bill ''. 

I spent many hours on the phone with XXXX, and also contacted them by email. The email address they gave me ( they refused to discuss the situation on the telephone ) was incorrect -- my email was undeliverable. 

I want XXXX to remove the black mark on my credit report. I also want XXXX to provide proof that I incurred this alleged debt.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This company " XXXX XXXX XXXX '' sent a collection letter to us stating that PayPal is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY PayPal account that we have, so how is it that we are in collection mode from PayPal? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2019-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX  XXXX  in 2017 amount {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMCB CARD SERVICES continues to put a debt on all my credit reports that is not mine, was part of identity theft that was filed in 2015 and they refuse to remove this debt despite multiple demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
SYNCB/SYNCHRONY MAST continues to put on all my credit reports this debt that is not mine and was part of an identity theft issue that was filed in 2015 and they refuse to remove this from all my credit reports despite multiple requests.

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 2019-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
This report was outdated. How did you verify it when I see that the date iit was last reported was still XX/XX/2013? Date of last active as well is XX/XX/2013. This is also a PAID account so why do you have a Late 30 Days for it's payment status? This is insane! DELETE this immediately.

Company response to consumer: Closed with explanation