vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Please be informed that my husband and I have been trying very hard to establish communication with our Home Mortgage Preservation Representative, XXXX XXXX XXXX, XXXX, of Wells Fargo Home Mortgage but it seems all our efforts were in vain. As of this writing, our mortgage has been referred to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in spite of our several attempts to send proof of timely payments to XXXX XXXX on our HAMP Trial Modification. He stands on his assumption that we missed payments on our mortgage. We sent him excerpts of our Bank Statement but these were ignored by XXXX XXXX. 

Below please find a summary of my communication/correspondence with Wells Fargo through XXXX XXXX XXXX, XXXX. 

Friday, XX/XX/XXXX HAMP Trial Modification Approved Wednesday, XX/XX/XXXX Hamp Trial Modification Approval Rescinded allegedly : missed payments Thursday, XX/XX/XXXX Replied Letter of Denial asking reason why Thursday, XX/XX/XXXX WFHM Preservation Specialist, replied allegedly making phone calls to us regarding late mortgage payments Thursday, XX/XX/XXXX replied Specialist 's email informing him that we are still in the XXXX and no phone calls registered on my cell phone Thursday, XX/XX/XXXX emailed Specialist with proof of payments and sent by our bank ( XXXX XXXX XXXX ) to WFHM Thursday,XX/XX/XXXXSpecialist emailed back for additional proof ( did n't state type of proof needed ) Tuesday, XX/XX/XXXX Letter, dated XX/XX/XXXX, from collection agency XXXX XXXX XXXX XXXX XXXX XXXX, collecting {$260000.00}, received on XX/XX/XXXX Wednesday, XX/XX/XXXX Received a letter from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX stating to help on our mortgage problems Sunday, XX/XX/XXXX sent two emails to XXXX XXXX re Bank Satement as proof of payment Thursday, XX/XX/XXXX sent another email Saturday, XX/XX/XXXX sent another email Thursday,XX/XX/XXXX mailed a letter to XXXX XXXX, Senior VP, XXXX XXXX XXXX  XXXX re : soliciting help I do n't understand why XXXX XXXX sent our case to a collection agency in spite of our efforts to settle the problem ( s ) with him, allegedly for missed payments. This very unethical for a Representative of one of the biggest Mortgage Servicer/Lender in the United States. We are so close of completing the Trial Modification. 

When he rescinded our HAMP Trial Modification on XX/XX/XXXX, or only after one week, on XX/XX/XXXX, he referred our case to a collection agency. 

This in injustice, I hope CFPB could help me. Thanks ...

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized inquiries on consumer 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 2017-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.

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 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized inquiries on consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Michael Harrison, Attorney at Law
State: PA

Complaint narrative:
It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
This loan servicer has been unreliable and impossible to work with since closing on the loan. 

In XX/XX/XXXX we were notified that our mortgage company did not pay our hazard insurance premium and they were going to cancel our policy. So we paid the premium out of pocket. 

In XX/XX/XXXX we were noticed by our local city government that we had n't paid our property taxes and were facing a judgment. These also were to be paid by the mortgage servicer via Escrow. 

In XX/XX/XXXX the mortgage servicer sent us a notice that our Escrow account projected balance was too low and we needed to send them {$440.00} to settle it, which we sent on XX/XX/XXXX. 

In XX/XX/XXXX we requested that our Escrow account be removed and refunded so that we can just continue to pay our insurances and taxes out of pocket on our own since they continued to make errors and they denied our request. 

In XX/XX/XXXX we received a notice from our flood insurance servicer that our flood policy had n't been paid and they were going to cancel our policy. Again this is supposed to be paid by our Escrow. 

InXX/XX/XXXX we recieved a notice from the mortgage servicer that we did n't have a home owners insurance policy on our property so they were providing us one, we do in fact have one. 

In XX/XX/XXXX we received yet another notice that our Escrow fund was low and they need a check for XXXX. 

If they are n't paying our taxes, are n't paying our insurances how is the fund low? Further more I 'm a XXXX and my husband is a XXXX XXXX and we own 3 homes ; neither of us have ever seen anything like this in 15 years. Additionally, all of my clients that are serviced by this mortgage company have the same complaints. I want to open and investigation into the Escrow funds to see if they are servicing them appropriately and if there is any mishandling or commingling of the funds in some way to pay the companies debts or something, because this is just insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 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: AR Resources, Inc.
State: NJ

Complaint narrative:
A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, 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 2017-09-06 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: MO

Complaint narrative:
After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of e-Oscar ( their web based automated verification process ) Their exact e-Oscar definition ( per XXXX XXXX XXXX ) is that " e-Oscar is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX  in which I disputed with them on XX/XX/XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: FL

Complaint narrative:
request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last day I used card was Saturday XX/XX/XXXX2017 yet I got hit today with ten transactions that all went through today. This happens on holidays I was hit last time with this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is my second complaint in correspondence to Transunion 's response to my first complaint. Transunion advised me to send in documents from each creditor to have the unauthorized inquiries removed as they were fraudulent, the creditors sent them in and sent me copies as well. I too sent copies of what they sent me to them, I worked tirelessly to get these to them and they continue to say they do n't have record of them. I have attached one of many documents from one of the several creditors to prove that I have sent in the documents via fax/mail and so have the creditors. I have called numerous times and they continue to tell me the information has not been received and therefore can not delete the unauthorized inquires from XX/XX/2017. There is lack of organization and filing with this company and they refuse to take anything electronically.

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 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX is charging excess over draft {$35.00} fee a day. Which was not explain by the representative during enrollment to opened the accounts. Although, the representative was very kind and pleasant to get in and out. I wind up having 3 check returned such a {$19.00} dollar, {$120.00}, {$48.00}. I did placed a deposit on a few occasions. Unfair to keep charging the account each day {$35.00} and plus {$25.00} over draft per transactions. I went to have the balance waiver {$550.00} accumulated 60 days. Manager stated there nothing she could do but credits 1 fee back once I would make another 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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation