vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.

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 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
In submitted a written request for debt validation, on XX/XX/XXXX, to NCB Management Services. This letter was sent certified mail and was delivered and signed for, on XX/XX/XXXX. Under Texas Finance Code Section 392.202, NCB was to provide information that this debt was owed by me, how they calculated the amount owed, and that they were licensed to collect debt, in the state of Texas. According to that statute, if the debt was not validated within 30 days, NCB must cease all collection efforts and send notices to me and all credit reporting agencies that this account should be removed. I waited almost 45 days, without one word of response from the collection agency. On XX/XX/XXXX, I sent another certified letter, which was delivered, as of XX/XX/XXXX. Yesterday, I received a letter from NCB Management Services that I did not provide sufficient information, for their investigation. If memory serves me correctly, I requested for them to validate the debt that they claim is mine. I was asking them for information, which they did not provide. I sent copies of the original letter and the certified receipt, which they did not speak to or address. How can they get away with not doing their jobs? This place is putting stuff on my report that they ca n't even prove is mine. It 's not fair. I 'm trying to follow the proper channels, but this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America reordered transactions so my paycheck deposit came after two debits and cost me {$70.00} in overdraft fees. The debits were not on my account the day before and then at XXXX appeared on my account along with the paycheck 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 2017-08-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
There is a company on my credit report stating I owe a debt. It has no name and no lender information. I have no received anything via mail or phone about this debt and I am disputing to get it removed off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have checked my account again with BBVA and they show charging me a {$38.00} NSF fee for a check that they have as " paid item check '' when if fact the check DID clear. There was enough money to cover it - according to what I see on MY online banking. I do not understand how they continue to get away with this. I doubt I am the only customer having this issue with them. If I see a balance of {$380.00} and THEY clear a check for {$350.00} - I STILL have a balance of {$39.00} then how in the XXXX can they continue to charge me a {$38.00} NSF for that check - they say did not clear but it obviously did!!! What is going on? How unethical do you have to prove a bank is before someone steps up and does something? Like XXXX XXXX ....?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am XXXX XXXX military. I requested help from Loan care to let me pay the interest for this VA loan while the house was on sale and they refused. I requested a deed in lieu and they are dragging their feet hoping the house goes on foreclosure. They have transfer my packet to 3 different representatives, they refuse to let me talk to a Supervisor and they keep asking for different paperwork instead of asking for those at the beginning. They are refusing to work with me and costumer service is one of the worst I ever seen.

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 2017-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wellsfargo services my home mortgage ( Loan # : XXXX ) from XX/XX/XXXX - XX/XX/XXXX. The first issue is that I was informed by the loan officer that I only qualified for a 20 year mortgage prior to closing after all of documents indicated a 30 year mortgage. The loan officer informed that I should pay on the 20 year mortgage for 6 months and refinance to a 30 year mortgage. I completed the process to refinance into a 30 year FHA mortgage in XX/XX/XXXX and the original FHA loan was XX/XX/XXXX. My second issue is that Wellsfargo requested {$3100.00} from HUD in XX/XX/XXXX by informing HUD that I was behind on my mortgage. I was not late or behind on the mortgage in XX/XX/XXXX. I actually refinanced the mortgage in XX/XX/XXXX from Wellsfargo to XXXX. I would not have been able to refinance the mortgage in XX/XX/XXXX if I was late/behind on the mortgage in XX/XX/XXXXas indicated by Wellsfargo to HUD. I was not aware of the {$3100.00} mortgage taken out on my home untiXX/XX/XXXX by the title company that is handling the sell of my home. I did not sign documents for the {$3100.00} mortgage. Finally, I am in the process of working with Novad Consulting due to Wellsfargo negligence of not filing the cancellation with the Clerk of Court office. I had to pay for the shipping for XXXX to XXXX me the cancellation due to immediate closing date on my home and I must pay the filing fee at the Clerk of Court to file the cancellation of {$3100.00} that was erroneously take out on my home in an effort to clear the title for sale of the home. I have attached the mortgage that was filed with the clerk of court in XXXX XXXX XXXX. Wellsfargo attempted to file the cancellation, but the mortgage was sent back by XXXX XXXX XXXX  Clerk of Court due to a president not signing the mortgage and Wellsfargo did n't send the corrected cancellation back.

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 2017-08-08 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: Io, Inc.
State: PA

Complaint narrative:
I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.

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 2017-08-08 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: GA

Complaint narrative:
On XXXX XXXX, XXXX, I realized that Experian placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XXXX XXXX, XXXX, the XXXX XXXX XXXX account was updated. On XXXX XXXX, XXXX, I contacted Experian regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that Experian is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called Experian back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
InXX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called XXXX and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts.XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self

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