vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.

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 2015-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Following my divorce my ex-wife had our original mortgage modified after getting the home into foreclosure. Wells Fargo modified the mortgage lowering the principal and interest and adding a XXXX mortgage for back payments and legal fees. The house has gone into foreclosure again and Wells Fargo is coming after me, I did n't sign any of the paperwork to modify the original mortgage or the second. How can I be held responsible for a contract that I did n't execute?

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 2016-11-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX 2015 was a record XXXX in XXXX Washington. As I was moving into property at XXXX XXXX XXXX WA. It was changing from XXXX level to XXXX level evacuation. Fortunately that area was allowing traffic to flow both ways and on good days I continued to move in. After spending nearly {$10000.00} cleaning, repairing broken pipes, pumps, electrical issues and roofing, I was able to pass XXXX and XXXX inspections and finish moving in. Both Wells Fargo XXXX XXXX XXXX XXXX were informed by the Owner that we had a lease agreement and that I was occupying the residence. In XXXX 2015 there was a Sheriffs sale and the next day someone trespassed and changed the locks on the house while I was out of town. When I tried to file a criminal complaint the Sheriffs office told me, " The Bank ordered the locks replaced. '' Neither Bank admitted doing this criminal act and the company ( XXXX XXXX XXXX, XXXX XXXX WA. ) handling the Sale of this property denied having the locks changed and then agreed there is a year of redemption in effect with the owner. The trama & frustration was devastating. XXXX has a class action law suit addressing this issue state wide. Thousands of renters, lease agreements and present owners have been locked out illegally. This should never happen to legal occupants and I pray restitution for these actions.

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 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I mailed a letter requesting a Validation of Debt. The Validation of Debt letter was mailed via Certified Mail and delivered and signed for by a Williams & Fudge employee on XXXX at XXXX, SC XXXX. As of yet, the firm has not complied with my request. This VOD was mailed well within the 30 day time period as stated by law. 
Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof, UNTIL the debt collector obtains VALIDATION OF THE DEBT. 
If any debt collector fails to comply with the " validation of debt notice '' the borrower is entitled to an award of actual damages, statutory damages up to {$1000.00} XXXX per count ), cost and attorneys fees. 15 U.S.C. Sec. 1692k ( a ). Class action relief is also available. 15 U.S.C. Sec 1692k ( a ) ( B ). 
William 's & Fudge has not responded to my Verification of Debt, nor my follow up demand for my account to be closed due to their FDCPA violation. I have not received any documentation verifying the alleged debt, nor a confirmation of account closure that is required due to the company 's FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: CA

Complaint narrative:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )

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 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: AZ

Complaint narrative:
I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Overdraft fee of {$39.00} for a {$3.00} dollar difference on XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ERC
State: SC

Complaint narrative:
They consistently trying to call my place of work several times day. I can not except external calls on my phone especially from a bill collector. I have informed my boss about the calls since she sees my phone reports. This is embarrassing to me and the calls need to stop.

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 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I had returned my equipment and cancelled my cable service in XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX Enhanced Recovery reported a collection for {$120.00}. I was informed it was from a past due and equipment non return. I contacted XXXX XXXX they proceeded to find the equipment. While I dispute the bill as I know I paid in full, I paid XXXX 90.00 and there remains a zero balance on the account. Enhanced Recovery is continuing to report an unpaid collection account for {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
My husband and I had a mortgage loan with XXXX and a XXXX mortgage with CCO Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of 21 years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to XXXX, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification XXXX continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. One was XXXX XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. CCO would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX. CCO would not agree with any option that was put out there so the couple found another home. The next day CCO called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now XXXX continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX

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 2016-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Representative, My complaint number is # XXXX. Since filing our complaint to you, there has been more errors made on the Citizens One Auto Finance PAYMENT HISTORY SHEET FOR US, that Citizens sent to us.. They are still stating that certain payments have not been made. Now they have XX/XX/2015, and XXXX 2015 also as not paid by us. XX/XX/2015 payment they have as not paid we already told you about. I am attaching the BANK STATEMENT RECEIPTS FOR THESE PAYMENTS THAT WE MADE. ALONG WITH ALL THE PAYMENTS THEY SAY WE DID N'T PAY. AND BANK RECEIPTS AGAIN. They need to adjust principal balance, Remove late fees and clear false credit reporting that they have made. I am also including where they started to charge late fees when was not owned. Please look at sheets. Thanks .Our payments are {$480.00} on the XXXX of the month with a 10 day grace period following the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
No knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Interest was charged on my account even though I had paid the bill in full and a full week before it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.

Company response to consumer: Closed with explanation