vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.

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 2017-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am  XXXX   XXXX  th e POA  of my mother  XXXX   XXXX   XXXX , my mother whom has had   XXXX   XXXX . My mother signed a mortgage with  Specialized Loan Services  address  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , CO  XXXX . I submitted several request for a copy of the original loan that she signed for and to know avail I have not received it. I solicit your help in thi s matter.Loan #   XXXX  Property Address  XXXX   XXXX   XXXX   XXXX   XXXX  GA.

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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

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 2017-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
This Attorney and  XXXX   XXXX  have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has gone unanswered. I am exercising my rights under th e " Fair Debt Collections Practices Act '' a s  codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided .  <P/> This law firm and  XXXX   XXXX   XXXX  are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/> I have requested the following  : 1. Copy of  the original alleged note accompanied by an AFFIDAVIT from the alleged Lend er 2. Ide ntify to what the alleged debt pertains.    3.  Provide details how the alleged debt was calculated.   4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act  ) 5. P rovide copies of any papers that show that I agreed to pay the alleged debt.   6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and  Servicing Agreement t o the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody bu t the Depositor ( Settler ) can transf er property to the trust.    7.  Provide the agreement between the creditor and your firm which authorizes you to collect funds  (  without a contract, your firm has no right to foreclose ).    8.  Provide evidence that you are licensed to collect in my state.    9. Provide your license numbers and the Alleged Lender 's Registered Agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.

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 2017-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: SC

Complaint narrative:
I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.

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 2017-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I received a letter fr om Procollect offering  a settlement and deletion from my credit reports. I contacted them on  XXXX   XXXX  in reference to this letter and paid the settlement and was told the collection would be deleted on  XXXX   XXXX .   To date the collection has not been deleted and still shows full balance due. I have contact ed Procollect twice about this, once spoke with a supervisor, both times being told my balance is {$0.00} and thi s is no longer their issue and was then hung up on by both associate and supervisor when I started to ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX  under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: NY

Complaint narrative:
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: AL

Complaint narrative:
I pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   XXXX   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
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I disputed the collection through  XXXX  originally. The collections were removed from the report. Approxima tely 30-45 days la ter it was really reported to all   XXXX   credit agencies,  XXXX ,   XXXX   and  XXXX  after obtaining information from  XXXX . It is illegal to attempt to col kk ectopic after an item has been removed for violation of the fcra. I want this removed and the company dealt with appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.

Company response to consumer: Closed with explanation