vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: HW Holding, Inc
State: FL

Complaint narrative:
I sent two certified return receipt letters the first was signed for on XX/XX/2018 that letter was a letter to negotiate payoff and I heard nothing then I sent another letter to tell them since they did not reply I want them to remove from my credit and that was signed for on XX/XX/2018, as of today XX/XX/2018 I still have not heard from them at all. They removed this same collection last year and put it back on about 8 months ago.

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 2018-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Approved for remodification with Mr. Cooper. However remodification contract sent in deceased mother 's name. Remodification Contract was never corrected. Final mortgage payments were then placed in an Mr. Cooper unapplied account and I never received unapplied payments back. After which, my Mr.Cooper mortgage was transferred to XXXX without a remodification or unapplied mortgage payments returnrd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Colony Brands, Inc.
State: TX

Complaint narrative:
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX  should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, Santander and XXXX. XXXX  should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Management, Inc
State: SD

Complaint narrative:
reference : XXXX The company AMI ( Account Management Inc ) did send me the validation of debt as I requested back in 2016. I went online at the hospitals website ( XXXX ) and paid off all the bills and amounts that they listed. This was a judgment, and since paying it on XX/XX/2016, the judgment remains as active with the clerk of courts even though the amount they sent was paid in full. I am closing on a house in 14 days, and this needs to be showing as satisfied asap. It was removed from my credit reports years ago, so I thought it was gone and had no idea until now that the title was ordered, that it was still showing active.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I filed a complaint with my bank about fraud on my card on XX/XX/2018, there were 50 charges totaling {$2000.00}. I was informed by my bank today that they could not prove the charges were fraud. And that they look at the charges as a whole and if they think one is not fraud then they refuse to refund on all the charges. In this case 45 of the charges were out of state or internet games and 5 of the 50 charges were in my state but hundreds of miles from where I live. 

When I asked what steps the bank took to prove these disputed charges were not fraud they told me they could not tell me because it was bank secrets. 

Wells Fargo Claims # 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 2018-08-10 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: MO

Complaint narrative:
My credit card company ( XXXX ) accidentally issued a hard inquiry on my credit report. This action took place on XX/XX/18. I spoke with XXXX regarding this issue and they agreed that it was their mistake. XXXX then sent the appropriate information to Equifax to resolve the issue and remove the hard inquiry. XXXX sent me a letter dated XX/XX/18 that explained what they had done and that they were correcting the issue with Equifax. It has been over 30 days and Equifax still has not removed this hard inquiry from my report. I spoke with XXXX on XX/XX/18 and informed them that I am still seeing the hard inquiry on my credit report. XXXX then said that they would resend the information to Equifax to have the inquiry removed. I disputed the hard inquiry with Equifax as well and still no action has taken place to remove this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This not a duplicate complaint! 
On XX/XX/18, I used Bank of America app to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called Bank of America and reported the issue. I was told by Bank of America if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with Bank of America. I tried reaching out to XXXX and they told me to call Bank of America. Bank of America reports that they reached out to XXXX XXXX XXXX  where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient. XXXX XXXX XXXX  responded to the compliant and stated they do not accept XXXX transfers so not responsible for the return of the money. Between Bank of America and XXXX one of the them is holding the money. Bank of America and XXXX both ADVERTISE that the app lets you send money to anyone and that's not true. I have attached XXXX XXXX  response that they never received any money since they don't have any agreement with XXXX to accept money. And Bank of America and XXXX keeps passing the blame on each other. I want to know where is the money since XXXX never accepted on behalf of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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 — Card was charged for something you did not purchase with the card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # 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 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.

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 2018-08-10 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX  Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Clearing House of America, Inc.
State: SC

Complaint narrative:
The original creditor is called XXXX XXXX XXXX XXXX XXXX. The collections agency called Credit Clearing House of America has reported account # XXXX with a balance of {$730.00} to the credit bureaus. My credit file shows that this account will be removed XX/XX/XXXX. This implies that the account was delinquent from the year XX/XX/XXXX. However, this information is inaccurate. The medical service was performed, and subsequently became delinquent, in XX/XX/XXXX, which means that this account should be removed from my credit file at the credit bureaus in XX/XX/XXXX. I contacted Credit Clearing House of America, and I spoke to one of the agents, whose name is XXXX XXXX, and I told her that not only did I not have the medical services done in XX/XX/XXXX, but also I was not living in the Kentucky-Indiana area in XX/XX/XXXX. She actually confirmed that the account/services were from XX/XX/XXXX. She told me to write a letter to her agency, so that the matter can be looked into. She also said for me to ask that the correct date of delinquency be updated on the account. She also said that she would forward that letter to another person in the office who can/will " take care of it, '' as she puts it. However, when I call Credit Clearing House of America,  the employees are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XX/XX/2018, I attempted to deposit {$1200.00} into my bank account via Western Union. 

It was supposed to arrive the next day and still has not arrived two weeks later. According to WU, XXXX XXXX  credited my account. This is not the case. Feel free to check with XXXX XXXX. 

At one point we attempted a three way call between myself, XXXX XXXX   and Western Union. WU hung up. 

WU has repeatedly given me the runaround at one point stating the confirmation number was XXXX. Yes, XXXX. 

Now that I am asking for a refund I get placed on perpetual hold. 

I'm not really sure what to do. I have spent hours on the phone trying to get a resolution of some sort, to no avail. 

WU transaction # XXXX WU Investigation # XXXX My WU # XXXX XXXX phone # XXXX ( saying " More options ... more options ... more options ... none of these. '' Will speed things up ) XXXX XXXX  phone XXXX ( no real speedy options )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This nightmare started when the broker mortgage from XXXX gave us a loan tu buy this property, he said this is a good loan and they called Pick a payment .This form of is very bad, because if the loan officer does not explain well about the facts and the whole concept of this loan.Its dangerous of sending the minimum payment because if we did, the payment does not cover the principal and not part of the interests and it is like not paying anything.If we understand well this loan, we would no have to bought this house.After that XXXX   closes for made that kind of loans .My loan was transferred the Loan to the XXXX XXXX XXXXXXXX and we have to fight with them in order to get a other kind of loan because this loan we have was illegal, with the house crisis the property became underwater like a half price but nothing happen .I am in the loan, but the payment was made by me and my father. We had a hard time when my father suffers a XXXX XXXX very serious .We lost his income and I tried myself continue with the payments .But the medical expense were very high I talked to the bank for some kind of help, because I can in that moment continue with the payments, that situation can be temporarily, also my father come in XXXX for several months the bank accepted a new application because my father past away and we need to restart the loan payment, but Nationstar take 2 years in the new modification and never allowed to send the payment when we are ready to continue with the payments .in the middle of the negotiation the again transfer to another bank without telling us anything, also in that moment I want to file a complaint that because they had cancelled my home insurance and had ordered another very very expensive one with minimum protection and very high deductible.With all this I felt that this purposely delayed the modification, because they wanted to us to loose the house .I and my family have a real hardship with illness and deaths that was real.The new Bank called Mr Cooper has the responsebility to fixing this situation, And now I get married and this change all.I need the bank remove all the illegal charge they charge to my loan because this illegally increase the amount of the loan .With all this I want to request a new loan with a fairly monthly payment .I just do not want my senior mother, my XXXX sister and his baby became a homeless for many illegal o errors of the banks.I have had some lawyers checked the entire loan and find serious errors since this loan was started.The rent of the apartments are very high in this area and I could not help my mother .my sister and his bb to pay for a home for them .That is my request to keep the house, the only house we have for me and all my family Thanks for your time and hope we keep our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I went to BB & T, on XX/XX/18 to opening up a business account. And was waited on by XXXX XXXX, XXXX XXXX XXXX. Upon XXXX XXXX, ( XXXX XXXX ), request for a Social Security Number. I had explained to her that i did not have one do to my SSN, being compromised due to identity fraud. And that i had a letter proving that. And did provided the document to her along with documents and case law that one isn't required to provide a SSN, to open a bank account. And that i had a EIN and my 98-number. the the IRS, had instructed me to use in place of a SSN. XXXX XXXX, asked to copy my documents to send over to her Superiors legal. To look over the papers i handed her for review to determine whether i could open up a account with the documents i presented to her. And that she will take my number and give me a call when she hear back from legal. This was at XXXX on XX/XX/18. It was XXXX when i phone her to check on the status of me opening up a business account. And did received a call from her stating that i could not open an account unless i provide a SSN, And that was the answer she received from legal. I had also allow her to see a business check that i wanted to deposit.

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 2018-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lending Club Corp
State: NY

Complaint narrative:
I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change. 

I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through. 

When I called back, the payment had not processed so I paid within the grace period. 
Why did I then get a late derogatory notice sent to the credit bureaus? 
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report. 

I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day. 
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously. 
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report. 

Thank you in advance. 

XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation