vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.

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 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: PA

Complaint narrative:
I was not contacted by XXXX XXXX XXXX (would have disputed claim) prior to NCS collection call to me XX/XX/XXXX about alleged police incident.I have obtained a copy of XXXX incident report that XXXX XXXX is using to claim liability against me.The police report notes police are unable to prove their allegations and their client ("victim") is unable to identify accused. No charges have been filed against me for this XX/XX/XXXX alleged incident.Additionally, my SSN, not provided by me, was published by police (their attorney has admitted they shouldn't have released my SSN).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Re : Reply People XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX To XXXX-XXXX Message body From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : Reply Thank you for your news as regards to JP MORGAN CHASE, Please I need to ask for my share holding partnership investment with your Bank for quite a long term now I need my share report certificate and dividend payout ASAP XXXX bless VA A/F XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.

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 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed this debt with the credit reporting agencies and they continue to validate it without providing the information I have requested. I have also asked them to stop calling me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
Filed for bankruptcy on XX/XX/XXXX. XXXX  flagged my credit report with the bankruptcy information. All the companies I filed on also reported " debt included in discharge through Bankruptcy ChapterXXXX '' with closed. Including Navient, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. XXXX has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX i have been living and owing my property since XX/XX/XXXX still living in the house mortgage through u.s.bank the bank stated they gave me a modification back in XX/XX/XXXX but also i paid one of there attorney a reinstatement fee back then so i been trying to work with the bank to stay in my home since then in XX/XX/XXXX the bank said my house was in foreclosure so then i retained a mediator but the bank wanted me to pay almost 2,000 a month i could not afford that i was not making that much money with kids and also the reason i ended up with the mediator was because the bank was prolonging my modification package so therefore i ended paying the bank some money but i could not afford almost 2,000 a month so there for i kept seeking help but then the bank got to saying my house was sold so then i really could not get help i did not have any body so i went to the deeds of court and they stated i still own my house and my name is on my tax bill and deed so then i filed chapter XXXX and got the arrears down to XXXX through the plan and still made my bank payments yes i was late on 2 payments but i sent them in through the bank u.s.bank now i still can not get help from them they are still trying to foreclose i need help and more understanding the trustee lifted the stay and abandoment but i am still making my payments as of XX/XX/XXXX XXXX what can i do i do not want to lose my home.

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 2018-01-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I HAVE BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX  AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I've received MULTIPLE phone calls for months from telephone numbers that are similar to my own so that I feel more inclined to pick up. 

They call themselves " Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX , NY XXXX telephone XXXX '' and have tried to collect a " debt '' from me for XXXX XXXX XXXX in the amount of {$60.00}. I do not, nor have I ever owed this amount and have confirmed with XXXX XXXX XXXX that my account is in good standing. 

I have threatened to report them several times they've called ( and now I'm finally doing it ), but they are persistent and the phone calls turned in to mailed letters requesting payment.

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 2018-01-31 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: OK

Complaint narrative:
Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I submitted a complaint concerning my mortgage (Caliber Home Loan)Complaint# XXXX.In their respond they said they would work with me getting a modification, I submitted everything they asked for in a timely matter .They called me a few times requesting other items , and I submitted them. They said they would notify me. Did not hear from them by phone, mail etc....Received a letter XX/XX/XXXX from an attorney stating that I had to be out of the property in 10 days. Per XXXX XXXX  respond thru CFPB they said they notified their foreclosure firm on XX/XX/XXXX to temporarily suspend any additional foreclosure proceedings to allow sufficient time to return complete mitigation application. I did what they ask and now they are kicking me out with out any other notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: OK

Complaint narrative:
Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
They said that I owe them money from a hospital bill. I have not been to that hospital in many years and I have never recieved a bill from that hospital. I think it's a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: Midwest Recovery Systems
State: OK

Complaint narrative:
XXXX and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: NCB Management Services Inc.
State: OK

Complaint narrative:
XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money 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 explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy 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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy 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 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless

Company response to consumer: Closed with explanation