vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: TN

Complaint narrative:
I applied for a FHA mortgage from Guild Mortgage for a manufactured home because the other company that approved me for a loan would not give loan for manufactured home. My realtor told me I could get a loan for manufactured home through Guild. I applied, sent all paperwork they requested. They then asked why my XXXX  payments did not show on my checking account. I told them I had a representative payee and my XXXX  payments go to our account with both our names on it and she transfers money to my account as needed after all bills are paid. They wanted the paperwork stating that I had a representative payee. I sent that. They already had my last 2 yrs taxes, benefit statements. They then said that the XXXX   benefits was my representatives income and not mine. I told them they were wrong. Sent them the social security act that states what a representative payee is and how it works and that the income was mine. They said they would send it to an underwriter and get back to me. I informed them they were wrong and that I would seek representation because I felt they were discriminatory towards me because of my XXXX and that my income was XXXX payments. That upset them and sent my complaint higher up the chain. I was sent an email stating they would look into the matter and get back to me within 30 days. Well, the house I want might be gone in thirty days. This process has already gone on for 2 weeks. Now I am Afraid to contact other lenders because this might happen again and I don't want my credit to keep getting checked cause that messes with score. I also will not find another house any time soon that fits our requirements and for an outstanding price I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.

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 2018-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: GA

Complaint narrative:
The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: GA

Complaint narrative:
Experian is incorrectly reporting a record from XXXX XXXX. This has been disputed several times and is now past 7 years but it is still reporting. If this is not resolved, I will seek 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 2018-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XX/XX/2017 I applied for a mortgage with Quicken Loans. Our landlord lost our home in foreclosure so we are scrambling to stay here. I explained this to the loan officer. and that my mother is a XXXX veteran with XXXX  and moving is the last thing we need right now. I completed the document request and received my pre approval letter, continued the process only to be told after almost 4 mos that I need a cosigner. I offered a cosigner from the start but was told FHA does not accept non resident cosigners. The reason I was given for the new requirement was that my credit dropped from XXXX to XXXX. They had run my credit for times in that period and charged me each time. This was the only changes in my credit. I was flooded with lock the rate emails and I told XXXX XXXX to lock it each time but he never locked it. After being preapproved and submitting all requested documents, knowing my income to debt ratio and credit score both qualify me yet I still have no loan for my house..??? I'm frustrated. My rate went up 4 times and my closing costs went up as well..XXXX score was XXXX, XXXX hourly job in my field of study. No Loan!! I am requesting all credit report fees be refunded as well as them removing all hard inquiries from my report. XXXX said no can do. I can understand running it once, getting to closing day then running it again but not four times in a 90 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lightning Fast Finance
State: NV

Complaint narrative:
This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and 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
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I saw virtual currency removed from my Coinbase account. Concerned that I was hacked, I called Coinbase support team. Coinbase team explained that my bank reported insufficient funds, and that I was credited with excess virtual currency as a result. Hence, there was no hacking involved, and that money was removed by Coinbase to account for my checking bank account 's insufficient funds. However, per support team, since I called to inform that I was " hacked '', even if they agreed that I was not, they closed my account and will let their " specialist '' contact me to have it opened again and that " it is not under their hands ''. I have called the support team again multiple times, and was told repeatedly " they can not do anything '' and " wait for the specialist to call you ''. No one has reached out to me since they closed my account, and they refused to open my account for me to gain access to my own money. I am held hostage for being concerned that I was hacked, and up to this point, have no access to my own money because of their refusal to expedite the process claiming " it is out of their hands ''. I do not know what else to do as I have repeated called and emailed them to no avail. They are not giving me access for 20 days now and counting. Please help me get my access and my own money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.

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 2018-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed a charitable scholarship fund due to lack of paperwork on the account and the check they provide was not good. I received an " unable to locate account '' from my new back. Bank of America owes our scholarship fund XXXX. I worked with them for 3 months and gave them everything they requested and each time they indicated all was fine until XXXX, when I received a check in the mail for the amount XXXX ( Balance in the account ), indicating they closed the account. At least 6 calls to their back office and 3 visits to the local branch and it produced nothing to keep the account open. The account was out of compliance because they lost the paperwork between changing systems over the years yet it is our ( consumer 's ) fault they are unable to maintain paperwork. Their back office is a complete mess and their people are poorly trained. They are engaging Robo Closing of our accounts due to their incompetence.

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 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America reported fraud on my XXXX report for fraud activity on the account. Please help me correct 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 explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: OH

Complaint narrative:
I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: OH

Complaint narrative:
I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

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 2018-02-11 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: OH

Complaint narrative:
I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

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 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC
State: FL

Complaint narrative:
I respectfully requested to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Failing that the item must be deleted. On XX/XX/XXXX, I was only sent an alleged credit card statement with no payment history or judgement against myself. The listed item is completely inaccurate and incomplete and is a very serious error in reporting.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: TN

Complaint narrative:
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Debt she'd be discharged as it is over 7 yesrs. Company, Navient. falsified last payment date to hold onto debt. I couldn't have made a payment in 2014 as I couldn't even buy my own food. Plz discharge full debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
this company has a XXXX bill they put on my credit report and they refuse to communicate with me about this debt. This is my Second time disputing this debt with the cfpb they sent me what they called debt verification the last time i disputed it but it wasn't sufficient ive tried emailing them i wrote them letters and ive tried calling to either verify this debt or pay it off because its hurting my credit but ive never gotten a response from any of my inquiries. im not sure what type of debt collector this is they are very poorly managed

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 2018-02-11 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: MI

Complaint narrative:
I disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I transferred XXXX to my Bank of America account XXXX. I made an error. I should have transferred XXXX. Subsequently, four items including one for {$5.00} dollars put my account into an overdrawn state. Aside from the error, I have repeatedly asked BOA not to pay out if there insufficient funds. I was charged {$140.00} dollars. I would like the total amount returned to my account-it clearly was an error.

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 2018-02-11 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: Convergent Resources, Inc.
State: CO

Complaint narrative:
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, 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