vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo Corporate 0ffice XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : On or more specifically during the protected emergency disaster period of Hurricane Irma RE : President Donald J. Trump Approves Major Disaster Declaration for Florida Release date : XX/XX/XXXX Release Number : XXXX Wells Fargo knowingly purposely and wrongfully attempted to auction force sale my home via the court scheduled dates on 3 seperate consecutive times during the disaster period being XX/XX/XXXX followed by XX/XX/XXXX and continued by XX/XX/XXXX. it is a fact that this banking institution repeatedly ignored and neglected all consequences or damages related or implicated causing tremendous violations against my person surrounding and directly affecting the facts herein by their actions based on unjust, unfair and unreasonable practices. 
Each disaster in this case Irma is a severe event that requires careful assessment. And because relief and recovery may take a long time, The short term period recovery phase of a disaster period typically lasts from six months to at least one year because immediate threats presented by the disaster, including meeting humanitarian needs ( food, shelter, clothing, public health and safety, home repairs, ), cleanup, damage assessment etc. As the response period progresses, focus shifts from dealing with immediate emergency issues to conducting repairs, restoring utilities, clean up process and all affected areas caused by the hurricane including but not limited to all relative implications the stages of recovery dont always follow a neatly defined course or timeline. 
It is a known fact and important to see that Wells Fargo 's response against my person during this very difficult and time was nothing short of a complete deliberate, intentional cruel and unusual act that should be addressed, corrected and remedied accordingly and significantly. 
As a forekwowing witness and victim of this kind of foregoing abuse of actions conducted by Wells Fargo I hereby hold Wells Fargo responsible within the jurisdiction of all violations but not limited to this complaint. 

Sincerly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Called customer service so many times and they are so rude and horrible in servicing customers they ruined my travels with their service. They do not listen, do what they want and greatly inconvenience customers with no regard. These people when I had fraud on my account and reported it treated me like the criminal, cut me off from my money and any access when I specifically told them I was on travel and business, not to cut my card off and access to my money while on travel and they ( a supervisor ) not only did so, hung on me after being told several times how this has caused me great stress and discomfort with their service and I require access to my money. They even stopped me from being able to withdraw my funds from their bank so I can have my money while on travel. Because of their actions I was not able to use my card to check into my hotel at XXXX XXXX after traveling 14 hours on the road, since I told the reps not to cancel my card very clearly and they did it anyway my card was declined at dinner and entertainment in complete embarrassment ruining my travels. Not only that the rep tells me they are not going to follow federal regulations and put my money back to my card from fraud when reported and American Express thinks they can do what they want, they are not liable. Their reps tend to think they can do what they want, no empathy for customers and American Express is not liable for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: WI

Complaint narrative:
2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX. 
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX. 
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these accounts and Equifax refuse to remove them. I have submitted the required documents several times. XXXX and XXXX have removed these accounts months ago. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We had an auto lease with Chase that has already ended. We returned the car and we were already expecting a bill which was related end of the lease fees. We had no problems with the bill since those were valid charges. The problem is : we received a letter ( from Chase ) in our mailbox on XX/XX/XXXX ( which was a Sat ). The letter dated XX/XX/XXXX. The letter stated that we could chose a payment plan, which I did when I immediately called their collections department on Mon XX/XX/XXXX. I made a payment of {$180.00} ( reference number XXXX on XX/XX/XXXX ) and I agreed to pay the other two payments on XX/XX/XXXX and XX/XX/XXXX. A week later, after agreeing on a payment plan, they call me on my cell phone saying that there was a balance due immediately. I questioned the representative asking if my account was notated, showing that I had selected to pay the balance in 3 installments ( one of them already charged ). they representative said yes. So I asked her to notate my account and not call me again since I would honor the terms of the payment plan. We are not even at the end of XX/XX/XXXX yet and I have already received another letter from Chase saying that a balance of {$370.00} id past due and that I have to send a payment and that they HAVE NOT RECEIVED THE PAYMENT YET ( which is false ). If they offer a payment plan they should not be harassing their customers with letters and phone calls requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I am enrolled with XXXX XXXX for biweekly mortgage payments, but this month XX/XX/XXXX my mortgage has not been paid. When I called XXXX XXXX the first time I was told my payment will post to my mortgage company in 2 business days, when this did not happen and I called again I was told the same thing. The third call I was told the same thing so I asked for the supervisor, and asked for my money to be returned to my checking account. I was assured that this will happen in 2 business days and post in my account on XX/XX/XXXX When I did not see the money in my account on this date I called back and was given XX/XX/XXXX as the date when I will get my money. I was on the phone about 45 minutes between holding and being transferred to the supervisor who really did not seem to care. I asked to speak to someone higher up, but I was told that the supervisors were as high as I can go. It is the end XX/XX/XXXXand they have not paid my mortgage or refunded me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Consumer Financial Debt Services, LLC
State: IA

Complaint narrative:
I get a call at least 1 time a day trying to sell me a service where they can do debt consolidation for me. I DO NOT HAVE ANY DEBT!! And I tell them this every day & ask to be removed from the list. Most of the time they pretend to put me on hold & then I get hung up on. It is maddening that they can call cell phones & not be in trouble for it. I hope that is changing. I block the number from my phone every time i get a call & they call from a new number the next day.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I was attempting to pay my student loans on the Discover Student Loans website. On 3 occasions, when I tried to submit payment, I got a message that the transaction was not successful and to try again. When I looked at my bank account the next day, I saw that {$1000.00} in excess of my loan payment had been taken out from my bank account. I checked with Discover and they had not credited any of the {$1000.00} to my account. 

I have called Discover multiple time to get the {$1000.00} refunded to me. I have even provided them with the transaction numbers and trace numbers from the amounts withdrawn from my bank account. Every time that I call, I am told that they have not been able to locate the funds in their system and that I need to wait. I am frustrated by the lack of urgency on their part, even as I explain to them that I am in need of the funds. As of today, XX/XX/XXXX, I do not have any indication from Discover that they will be able to locate my funds and return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: DE

Complaint narrative:
I received a call not identifying myself at my work place from a rude gentleman asking first for me and then to speak with a manager, and I asked him if he had permission to contact my employer and he stated to my me that he want to speak to my manager again, left a number then hung up the phone. 

He claimed that he did not know if I worked there and to forward his number to anyone and he was very rude and speaking over me the whole time. 

I don't even know what debt he is trying to collect. 

He called from XXXX and then XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XX/XX/XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, Equifax and XXXX is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Pennymac loan services refuses to relase me from escrow so I can pay my taxes and insurance on my own. The reason I am requesting this is because they are asking for a {$500.00} a month increase in the escrow payment and my taxes nor my insurance has gone up??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I had an account with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was closed several years ago, and the account was cleared. They posted to my credit that I'd owed {$430.00} for an equipment charge. I contact them regarding the posting, as I did not we this amount. XXXX confirmed by phone that there were no notes on the account about me owing any funds. I asked them to remove the item from my account, they said they could not. I contact the credit bureau to which it was referred, they too refused to remove it. 

In XX/XX/2017, I set up a new account as we had just moved, and they did not indicate that a balance was due on the account, so I was able to set up the new account with no problems. I closed the account around XXXX because of slower internet speeds than indicated and the fact that we had too many outages in which we could not use our service. I closed the account, with a small balance on account ( under {$100.00} ) which I'd made preparations to pay once I returned from medical leave. Upon checking my credit this month, They have since modified the OLD credit report account, making the new account date XX/XX/2017, the amount being the same. This is grossly incorrect and unprofessional. I am prepared to pay the funds due, but would like my account reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was denied from opening a credit card with chase. Although I have never missed a payment, have over 6 years of average credit and have a 0 balance on over {$10000.00} of available credit. 

My income is over {$100000.00}. Am I being denied because of the zip code i live in?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: WA

Complaint narrative:
I want Northland Group to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you

Company response to consumer: Closed with non-monetary relief