vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.

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 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client

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 2017-09-07 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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
XXXX sent me numerous written warnings about an amount they claimed I owed that was not owed. I attempted to rectify this with them on multiple ocassions, and they remained unhelpful. This has now been sent to collections, and my credit has already been dinged. This sounds like a common illegal practice by this company, as there are class-action lawsuits in multiple states against them. I have joined the class-action suit in my state of Colorado.

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 2017-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
Back in XXXX of 2017 I noticed something on my credit report from Diversified Consults in the amount of XXXX . I reached out to them by letter and they replied that the debt was for a XXXX account I supposedly had. I requested the debt be verified with a signed contract, a receipt, anything besides this company claiming I owe it. They replied with the same letter showing my name, an amount and XXXX name. I have subsequently requested this debt be verified in XX/XX/XXXX and again in XX/XX/XXXX. They have not verified the debt and continue to re-report onto my credit report every month, gaming my credit score. Not only is this an unverified debt, it is predatory collection as they know its not a valid debt and continue to report false and misleading information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: BB&T CORPORATION
State: MD

Complaint narrative:
Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
First I received an email from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX XXXX. Then I started receiving calls from a XXXX from Alliant Capital Management they started saying if I did not pay {$13000.00} and set up payment arrangements that they were going to pursue a judgment on me and garnish my wages and I need to lock in with them right then and right there. I was scared and frightened. I did research and no such company exists. I do not know if it is a legitimate company and do not want to make payment arrangement unless I am certain and I do n't like being threatened. The original amount of my loan was {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our Mortgage was recently bought from XXXX by Shellpoint Mortgage Servicing in XX/XX/XXXXof this year. We received from them in early XX/XX/XXXX a pamphlet of information from them about Points of Contact and way to contact Customer Service. On the day we received this information ( I believe the call was made XX/XX/XXXX ) we called the Customer Service Line as was told that we had a negative Escrow Amount but since we were in Bankruptcy there was nothing more the lady would be willing to talk to us about.
So we called the Point of Contact ( XXXX XXXX ) and it went straight to voicemail and we left a message but did not receive a reply. We tried again ~XX/XX/XXXX and when we called XXXX answered right away. We mentioned to her that we were trying to figure out how to go about paying for our Mortgage since there were no clear instructions on the paperwork and I could not pay online due to the bankruptcy. She said that we needed to contact our Bankrupty POC ( XXXX XXXX ) regarding anything tied to the Bankruptcy and that we had to get a note from our Attorney for them to be able to speak with us regarding solutions to the issues with the Mortgage.
We then went to our Attorney 's office on XX/XX/XXXX and got a letter from him as requested and faxed it to Shellpoint via the phone number provided the following day. We then called XXXX the following Monday or Tuesday and it went straight to voicemail. A message with all the necessary information was left which included wanted to talk about issues regarding the Bankruptcy, and a Home Repair Escrow that would have been transferred from XXXX.
After receiving no response from XXXX the following Monday or Tuesday we called both XXXX XXXX and XXXX and were taken again straight to voicemail. Messages were left according to the instructions and as of now ( XX/XX/XXXX ) I have not heard from them or any representative of Shellpoint Mortgage even though I have reached out multiple times.
This is obstructing our families ability to repair our home since there is a Home Repair Escrow Balance and as such is limiting our options in terms of resolving the Mortgage in an amicable fashion with Shellpoint. We have reached out to them multiple times in good faith and it feels like they refuse to work or even talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.

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 2017-09-07 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
continously provides me with a bolden statement telling me to XXXX off-that Im not getting my files disputed wo my blood type ( provided ) starship name, etc. 

When I give this informaion they claim I have not provided enough to dispute ( XXXX XXXX seems to think so ) and dismisses my claim. 

then they try to claim I am frivilous. 

I am sending them to a lawyer for FCRA ACTION. 

I have given the bureaus stacks of paperwork and they continue to play this XXXX from months ago, unresolved.

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 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Based on my researched. I have file numberous complaints against XXXX XXXX /XXXX XXXX XXXX XXXX. in regards to alleged illegal foreclosure process. I know have a new foreclosure attorney acting on behalf of Bank Of America, Which I never had any contract agreement with Bank of America or listed on my Deed of Trust and Note. So therefore I would like for Bank Of America to show proof of claim that I owed the alleged debt and Also XXXX XXXX XXXX show proof of discovery and legal contractual agreement from there law firm and Bank of America. I never receive Bank Of America mortgage statements in day of my life.
I also show violation of Preditory lending, Truth n Lending and Adjustable Rate Mortgage, RESPA., alleged payments increasing due to 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 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX  online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account.
I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank.
I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had.
I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''.
Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a American Express XXXX XXXX card with a XXXX  XXXX points bonus after {$3000.00} of spend in the first 3 months of the card being issued. My credit application was approved and card was issued on XX/XX/XXXX I met the spending of {$3000.00} in XX/XX/XXXX. Statement closed on XX/XX/XXXX. I have yet to see the points posted to the account. Have spoken to Amex representatives several times and they do not know why the points have not posted and have opened a case. They keep telling me that the points will post 6-8 weeks after meeting the spend. It has now been 11 weeks and no one can tell my why the points have not posted. They say they have opened a case and it 's ongoing ...

Company response to consumer: Closed with explanation