vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sharinn & Lipshie, P.C.
State: FL

Complaint narrative:
After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, 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 monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am on  XXXX  and my truck is financed with Chase. This payment is being paid by  XXXX  insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When Chase received the payments to catch it up, they applied one paym ent (  XX/XX/XXXX  ) to the loan and the credit bureau is still showing that the  XX/XX/XXXX  and  XX/XX/XXXX  paym ent are past due. We have no idea what Chase did with our payment and they wo n't fix or tell the credit bureau that we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: SD

Complaint narrative:
my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I am a victim of identity theft. I have disputed an account  with North state Acceptance and  they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is about unfair and unsound banking practices that will result in a foreclosure sale scheduled for  XX/XX/XXXX  of my deceased mothers home that I inherited. After my mother died in  XX/XX/XXXX  and inherited her home I made several attempts to have my name added to the loan to continue the monthly loan payments without any success. On  XX/XX/XXXX  the bank performed a lockout before it had legal ownership of the property. My mothers property was compromised and the bank offered no relief. On  XX/XX/XXXX  I made application with the bank to have my name added to the loan. On  XX/XX/XXXX  I was informed by the bank that I did n't qualify to have my name added to the loan because I was not residing in the home at the time I made application. How can I prepare the home to reside in or sell when the bank had locked me out before it had legal ownership of the house? I recently gained entry into the house and found that the house was in need of repairs before I could move into the home or sell the home to pay off the note and save my equity that I inherited. I have also reapplied for loan assistance with the bank loss mitigation department in an attempt to qualify to reside in the home and at the same time listed the home for sale sell to payoff the loan. I have an offer on the home to sell that is being negotiated at this time. I have also included an approved Florida Supreme Court form that gives reasons why the foreclosure sale should be canceled for  XX/XX/XXXX . Because of the difficulties I have had with the bank in assisting me with the home I inherited after my mothers death I believe that the bank has engaged in unfair and unsound banking practices that are offensive and contrary to Florida public policy. I request that the foreclosure sale for  XX/XX/XXXX  be canceled and given a fair opportunity to reside or at the same time negotiate a sale of the house that I inherited to save my inherited equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
After looking at my credit report as i am trying to purchase  my 1st hom e i noticed This collection account w ith Trident Asset  management, I called them and sent a certified letter for them to validate it and I never received the proper validation. I sent in disputes with all  XXXX  CA and they came back verified but I never received verifiable proof of this negative event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.

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

Complaint narrative:
Trans Union  are n't aware that you must enforce the permissible purpose provisions of the fair credit reporting act and see to me that the inclusion of these inquiries complies with this federal law or remove it.  <P/>  Tran uni on or the issues did not remove the inquiry and follow through with federal law.

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 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

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