vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. 

Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. 

My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in 2007 i was out of work and behind on my payments. Wells Fargo put into the HAMP program, but in the process they over charged me for my loan. They took all my payments and put in on the back end for a 40 year mortgage. My loan amount went up way much higher than is should of. It went from XXXX to XXXX XXXX. At the time they made it sound that the amount correct, because it included back payments and back years of property taxes. Upon further review years later. It turns out that I was WAY over charged. I've tried numerous times to get help from Wells Fargo, but they told me they can not help.

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 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking that pursuant to the FCRA & the FDCPA, they validiate this debt. According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), this company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. They responded with the letter I have attached below which they are intentionally not complying and requiring notarization means undue hardship since one typically has to pay for a notary and that is a violation of FEDERAL law.

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 2018-04-10 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX AS OF XX/XX/XXXX MY HELOC HAD A XXXX BALANCE. ON XX/XX/XXXX I TOOK AN ADVANCE OF {$5000.00}, WHICH WAS PUT INTO AN ACCOUNT AT 4.25 % FIXED. 
ON XX/XX/XXXX I CALLED THE HELOC DEPARTMENT AND ASKED THEM IF I TAKE ANOTHER ADVANCE WOULD IT GO INTO THE 4.25 % ACCOUNT AND I WAS TOLD YES, SO I TOOK AN ADVANCE OF {$25000.00} BECAUSE THE RATE WAS LOWER THEN I WAS PAYING ON ANOTHER HELOC. I DID THE SAME ON XX/XX/XXXX & XX/XX/XXXX FOR A TOTAL OF {$38000.00}, WHEN THE STATEMENT CAME IN IT WAS AT A HIGHER RATE OF 5.48 %. I WOULD NOT HAVE BORROWED THE MONEY AT THE HIGHER RATE. I HAVE CALLED THE COMPANY NUMEROUS TIMES AND GONE TO A BRANCH TO NO AVAIL. THEY SAY THATS THE WAY IT IS TO BAD. 
I RECEIVED A CALL FROM A RESOLUTIONS DEPARTMENT THAT I HAVE CALLED BACK AND LEFT MESSAGES AT LEAST 10 TIMES TO NO AVAIL, VERY FRUSTRATING TO BE TOTALLY MISLEAD. I HAVE ALSO BEEN TOLD A SUPERVISOR WILL CALL, STILL WAITING, AGAIN VERY FRUSTRATING. 
THANK YOU FOR ANY HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
on XX/XX/17 XXXX XXXX appeared on my personal credit as a collection account for {$680.00}. I have not opened an account with this company and do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ

Complaint narrative:
I received a call from a representative at XXXX XXXX XX/XX/18. I spoke to her for 4 mins. I then received another call from them and they left a message. I called the company XXXX with a supervisor XXXX XXXX she advised me she would coach and address the situation. I then received yet another call at XXXX XX/XX/18 from XXXX. I called back in and spoke with XXXX again advising I know my rights. I feel as if the intent is to continously call and annoy me on my cell phone

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 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc.
State: NY

Complaint narrative:
Calling frequently, told that they know my Social Security ID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: TX

Complaint narrative:
I have requested validation of the late payments for my student loans with XXXX and US Dept of Education on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc.
State: AZ

Complaint narrative:
In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I paid in agreement with the settlement with Chase bank and XXXX XXXX on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: KY

Complaint narrative:
I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.

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 2018-04-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was interested in tickets to a XXXX  XXXX basketball game. I searched on line on XX/XX/17 and found 2 tickets that I was interested in for {$160.00}. I provided my credit card information to the seller and discovered that the tickets were available only electronically. This was not suitable since the tickets were a XXXX gift. I then declined the tickets. I have an email from the vendor stating " You have declined the ticket ( s ) offered by XXXX XXXX. This offer is no longer valid ''. I was surprised to see that I was charged {$160.00} when I received my credit card bill. I disputed the charge with the bank and my claim was denied. I appealed to the bank and my claim was again denied. The bank states that " we can't confirm you're due a credit because the merchant has no record of you cancelling the request within policy guidelines ''. The merchant 's policy is that orders can not be cancelled. I contend that the offer for tickets was declined, so that there was no order to be cancelled. I spoke by telephone with the bank, and their supervisor explains that the bank can not refund the {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice 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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A collection account was added to my credit report on XX/XX/2017 by a collection agency named XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, MA XXXX and telephone # ( XXXX ) XXXX. I am reporting this collection agency due to the fact that XXXX XXXX XXXX does not currently have a valid license in the state of GA to collect on debts. This information on the Georgia Secretary of state website states that their license is currently dissolved or expired. I am requesting that you investigate this matter or have XXXX XXXX XXXX to please provide me with proof that they are licensed to collect debt in GA. Thank you so much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.

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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I set up auto pay on Capital One 's website in XX/XX/2017. The auto-pay did not work due to a technical error on their end and I now have a 90 day late reporting. I have contacted Capital One and made a reasonable case, but Capital One is reacting unreasonably refusing to remove the lates from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid in agreement with the settlement with XXXX XXXX and Capital One on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
My original creditors sent my collections off to another agency, in which I did not submit a contract with the collection agencies. I have 2 derogatory marks on my credit report from two collection agencies. The first company is named XXXX XXXX XXXX XXXX. This company charged {$580.00} on my account. This account was open XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX XXXX XXXX. The second company is XXXX XXXX XXXX. They charged an additional {$700.00} on my account. The account was open XX/XX/XXXX. The original creditor for that account is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation