vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see attached documents : (  1 )  FACTS - CFPB  XXXX  (  2 )   Form  HUD-1 - Wells Fargo Bogus Demand Letter -   USAA Insurance f or Military Forensic accounting.xps  ( 3 )    XXXX   XXXX    Recorder 2015.xps M y story and my forensic accounting, from "  XXXX  independent professional sources, '' remain the same.      Wells Fargo  replies continue to present erroneous and changing information (  1 ) to backfill accounting errors, ( 2 ) to hide dual tracking, ( 3 ) to hide securitization of real property, ( 4 ) to defraud the Federal government and its tax paying citizens.      Moreover, I have learned that  Wells Fargo Bank  wrote a  20-year ac cumulation period Annuity Application at their   XXXX   XXXX  ,  XXXX , CA  XXXX  store, based upon a " telephone interview '' of my Mother in "   XXXX   XXXX  . '' The overwhelmingly egregious  fact is that my Mother  reached her mortality on   XXXX   XXXX   XXXX  , "  four years prio r. '' Even if my  Mother had  been alive in   XXXX   XXXX  , a  20-Year perio d would have placed her at " age  XXXX  '' before annuity income from her otherwise liquid savings account. This action violates every  Senior Suitability and Compliance Law o f record.     Our family, that has ban ked at Wells Fargo since Year   XXXX , has been targeted by  Wells Fargo in its " 8 is  Great '' schemes. There must be some  Federal restitution to the victims of Federal Bank schemes to restore our hard earn ed estate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Attn : Complaint Department   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insu rance C. Employment D. Court Order The following  credit inquiries are related to none of the aforementioned permissibl e TD Ban k (  XXXX / XXXX / XXXX  )  XXXX   (   XXXX / XXXX / XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: MOHELA
State: CA

Complaint narrative:
I have receiv ed 100 's o f calls from various numbers - most predominantly  XXXX  and  XXXX . The recorded message intimates that student loans can be forgiven. When you press through to the person, they ask for your student loan ID, which is a  SSN  for most people. They then try to sell you a bogus service. I have asked them repeatedly to stop calling. Apparently this is  one  of those " work from home '' scams - so not only are they attempting to scam me, but those who are calling are also victims of a scam. The phone # 's on caller ID are all spoofed. Please do something - this is widespread fraud against people who are already subject to the fraud committed by  XXXX  and similar service rs (  XXXX , Mohela ) who  frequently attempt to scam customers as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to 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 explanation
Consumer complaint received 2017-04-24 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: NJ

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   N.J.  XXXX  Experian  Attn :   Complaint Department   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX   (   XX/XX/XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,   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 non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services
State: CA

Complaint narrative:
I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: TX

Complaint narrative:
I request a loan rate quote from Interfirst Mortgage Co out of  XXXX , Il.  XXXX   XXXX ,   XXXX  . I received an email fr om Senior Mortgage Loan Originator,   XXXX   XXXX  that afternoon. I explained to him what I was looking for as far as 20 yrs, etc. He sent me an email with the available rates for that day.  XXXX   XXXX , I to  XXXX   XXXX   XXXX  to place application and agree to electronic signature.  XXXX   XXXX , I was contacted by  XXXX   XXXX ,  Sr. Loan Processor for Interfirst to up load documents. I provided all the information needed. The loan was submitted to underwriting  XXXX   XXXX .  XXXX   XXXX , I was told I had conditional approval on the refinace (  1 . Provide a satisfactory  XXXX  Re : inquiries in the last 120 days to evidence no additional debt. Respond to each inquiry by the creditor 's name.  1 )   XXXX ,  XXXX  ;  2  )  XXXX / XXXX ,  XXXX . Please provide signed and dated letter of explanation for each inquiry, by creditor name, and date, state results, if new accounts opened, provide current statements. ) This I provided. Also I gave a credit card # for the appraisal {$490.00} which could not be done until  XXXX . After that I was lead to believe we were closing  XXXX   XXXX . I had told  XXXX  that I had  XXXX  acres but only financed home with  XXXX  acres and that I had built a mother in law area for my Mother. This was all discussed before appraisal.   When Appraiser came I explained this to him too. But he did the appraisal on the  XXXX  acres. I received a denial because of acreage. I spoke with  XXXX  and he spoke with  XXXX   XXXX  Co and they had the appraiser redo for just the  XXXX  acres. Then I never heard from anyone about what was going on. Then  XXXX   XXXX ,  XXXX   XXXX  ( Manager Retail Operations ) I was told both  XXXX  and  XXXX  were no longer with the company. I do not know why and believe this is the major reason the loan was denied. She said denial based on acreage and no comparable in area for mother in law area. Like I said this was all upfront information. The appraiser did an amended appraisal for the  XXXX  acres  XXXX   XXXX .   I am trying for another loan and they can accept that appraisal but have to have a transfer form signed by Interfirst and they are not cooperating. I am the one who pays the appraisal and after all the mess I went through with them they should at least do that. Otherwise it is going to cost another {$590.00}. I have all of the emails and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Feldman & Stern, LLC
State: OH

Complaint narrative:
This number keeps calling me and saying they are  XXXX   XXXX   XXXX  trying to collect some kind of money from me. I told them I was paying the  XXXX  they said I owed so they said 'ok we can can split it in half for and ill take a credit card over the phone now for  XXXX  '' For one thing that is not half and they said I owe for some gym membership in South Carolina and I have n't lived there in over a year. He started getting real nasty with me on the phone and yelling at me. I do n't even know what this guy is talking about. I told him to leave me alone or to send me something by mail and I never got it. But he keeps calling me and now he is calling friends and my job telling people I am going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
This is a complaint from  XXXX   XXXX  again st TD Ba nk, because it is trying to collect from a person that does not owe the debt. Specifically , TD Ba nk continues to report this debt on  XXXX   XXXX  's credit report, despite being shown evidence that he does not owe it. The true obligated party for the debt alleged is  XXXX   XXXX .  XXXX   XXXX  managed the business at the time, but did not assume any personal obligation for the loan.     Evidence that  XXXX   XXXX  did not owe the debt was provided in a  XXXX   XXXX ,   XXXX   letter to TD Bank  (  attached as exhibit #  ). Th e letter further requested that TD Bank either provide evidence that  XXXX  has a personal obligation to the debt or remove it from his credit report. TD Bank did not respond to this letter, nor remove the item from  XXXX   XXXX  credit report.     Because of TD Banks non-response, disputes were filed to the credit bureaus. Each bureau responded that TD Bank replied to the dispute and verified that the debt alleged and reported was valid. A copy of the dispute reports are attached  )   XXXX   XXXX  is not personally responsible for  XXXX   XXXX  debt. TD Bank is actively ignoring requests for removal -- It is unfair, abusive and deceptive that TD Bank continues to give no proof of its claims while it negatively reports on  XXXX   XXXX  credit reports. Reports of unpaid debts of this size are extremely harmful to a perso ns credit score. As a r esult of this negative reporting,  XXXX   XXXX  has been unable to qualify for lending and refinancing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I have been in contact with this company on multiple occasions in regards to listed accounts being reported to the credit bureaus under my name. Acct #  XXXX ,  XXXX ,  XXXX , and  XXXX . This company claims i owe them money for these unpaid accounts, but has not been able to verify that these accounts belong to me. I have asked for validation and i have received a billing summary. As per the FCRA article 609 section B, validation must include an original signature from myself stating that i am the owner of these accounts. A billing summary is not verification and does not include my original signature. This company has claimed that they have verified my address, however i am not nor have i been affiliated with the address listed on these accounts and i have called all  XXXX  credit bureaus to confirm this information. I have been a victim of identity theft and all  XXXX  credit bureaus has a copy of the report on file. I am requesting that this company remove these accounts from my credit file or prove to me that these are my accounts. I have never been under contract with this company nor do i feel that i am under any obligation to pay for these unverified accounts. This is my last and final attempt to resolve this issue before i file suit against this company. Once this case is taken up in the court of law this company will have to provide all documentation that holds me accountable to paying these accounts. My credit and name is being tarnished by this company and i still have yet to receive proof or verification that these accounts belong to 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 2017-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
loan  XXXX , per  XXXX   XXXX , wanted a " down payment '' made. A {$100000.00} down payment was made when purchased the home as of  XXXX   XXXX ,  2017.    In  XXXX ,    2017 O cwen came up with a " Shared Appreciation Modification '' was nothing but a great big joke ; Ocwen took my  2 pa yments of over {$6000.00} and wo n't return it ; the loan mod is and was dead ; the modification was for Ocwen 's benefit.   Ocwen wanted to make the loan look current for themselves and investor.   The loan mod was not signed properly, notarized or recorded. It was held over my head while a foreclosure was pending.   Ocwen is trying to modify an interest only loan that 's been interest only from the first day I signed the note. T he Loan is DEAD ENDE D.   This loan needs to be truly looked at because the originator is out of business and so is the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My name is  XXXX   XXXX  an d BSI Financial ha s been my loan servicers since  XXXX   2016,   and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans were taken out in  XXXX . I thought once they wer e 10 years old the y are not suppose to take them. I never got to use the skills I went to school for and I have been a single mother barely working. I a have been homeless 3 times since  XXXX , I received deferments and forbearance they knew I was a low income household and was struggling with no help from my children 's father.     They still took my income taxes two years in a row and still show that I owe them. Please help stop the harassment I am dealing with.     Thank you for your attention to this matter.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: CA

Complaint narrative:
I had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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: GA

Complaint narrative:
I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .

Company response to consumer: Closed with explanation