vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/2018, our home suffered a flood from a water pipe that burst after freezing. We documented everything and had our insurance company send repair funds to our mortgage company, Mr. Cooper/Nationstar, formerly XXXX, instead of sending the funds to us. The funds were to be applied to our principal, an option that we have the right to exercise, and which we designated at the time. Mr. Cooper put the first check for {$10000.00} into an Loss Mitigation account, and would not release the funds to apply to our principal, saying our account was " not current ''. Several months later, Mr. Cooper received another check form our insurance company ( XXXX XXXX ) for {$51000.00}, which we also designated to be applied to the principal. Mr. Cooper applied {$41000.00} to the principal and took the remaining {$10000.00} which has not been accounted for, but we were told that brought the account up to date and current. Mr. Cooper did not provide an accounting of this activity, despite our requests. Our account was current and the original check for {$10000.00} was still not applied to the principal. Mr. Cooper then stated that we needed to send in an affidavit stating that we wanted these funds applied to our principal, which we did. We had done this previously as well, but the first affidavit was ignored. The second affidavit was ignored also, and Mr. Cooper still did not apply our {$10000.00} being held in Loss Mitigation to our principal. 
Mr. Cooper called this morning, XX/XX/XXXX, to state that now they want " Contractor documents '' ( but did not state specifically what they wanted ) before they would release the {$10000.00} held in Loss Mitigation to our principal. When asked what documents specifically they wanted, she said only " Contractor documents '' and said she would transfer me to Loss MItigation to discuss this further. I told her every time I have spoken to Loss MItigation they send me back to Customer Service, who then wants to send me back to Loss Mitigation. Loss Mitigation continues to tell me that my account is not current and that I need to send in an affidavit ( which I did already and which they did not honor ) to release the funds from Loss Mitigation. I am livid and infuriated that this circus is allowed to go on while they threaten to take our home from us and while they are holding a large sum of our money that does not belong to them. This company should not be allowed to operate and should be fined and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: LA

Complaint narrative:
I received a call from XXXX XXXX at USI stating that I owed a debt from the 1990 's. He stated it was a credit card from XXXX. The debt was originally with an attorney named XXXX XXXX. The debt was paid in full approx 15 years ago. I told XXXX the debt had been satisfied. He claimed there was still a balance and that I had stopped making payments so now they had the debt. Again, I told him the debt had been satisfied in full hence no payments for 15 years. I told him to get the records from the attorney that settled the debt and he told me the attorney had died, although, I found him online, still practicing, alive and well. He just kept asking me over and over again if I was going to pay the debt. Since then, I have scoured my credit reports, called XXXX and verified, I have no debt with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I try several times to contact the Equifax to resolve the problem that i have on my file.They take action against me not remove the item after a reporting company request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both XXXX  and Equifax. I contacted XXXX  to investigate the issue to have this removed from  my credit file only to be told after investigation that the debt would remain. I have called XXXX  several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. 

Will get a {$250.00} bonus if the following requirements are met. 

I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a credit card with Wells Fargo 8 months ago. This credit card offers zero percent for 15 months. I received a credit limit of {$7000.00} and I have used {$4600.00} of it. I have never been late. I have only been making my minimum payments because it is a zero percent credit card and I was not in a hurry to pay it off. I was focusing on other debt which does charge interest. Wells Fargo Lowered my credit line to {$4800.00} because I was only paying my minimum payment. I feel like this is very unfair because I have never been late and their decision to lower my credit will impact my FICO score negatively. I feel that they are judging me because I am a XXXX and automatically assume that I will be most likely to default and thats why they reduced my credit limit. I have banked with them for over twenty years and they see my transactions and my activity. There was no reason for them have lowered my credit limit.

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 2018-11-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am an evacuee of Hurricane Maria hitting XXXX XXXX in XX/XX/XXXX. There was no communication, Internet or mail. My family an I moved from XXXX to XXXX and when I contacted Nelnet ( student loan agency ) they had placed my account into a Natural Disaster Forbearance which was for a 12 month / 1 year period. At this moment I am still under this Forbearance, I am in Good Standing and my next payment is due on XX/XX/XXXX. My dispute is that on my credit report is showing two 90-120 day late for XX/XX/XXXX and XX/XX/XXXX. I need these lates to be removed from my report as it dropped my score and I am having problems to get a mortgage or lease in XXXX. I did not receive any email from them, they allege mail was sent however I moved and made change of address accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I received an auto call from XXXX, XXXX XXXX NJ on my home phone ( XXXX ) XXXX. The auto operator asked for me by name and said this is not a marketing call - the caller never identified who they were. When I did not press the prompt to identify myself, the auto operator left instructions to call phone # XXXX with a reference number beginning with XXXX .... When I dialed the XXXX number it was THE SIMONS AGENCY - a debt collection company. 

The contact tactics used are in clear violation of the FDCPA as the debt collector failed to disclose identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Beginning XX/XX/2018 I begin my dispute process with Experian, XXXX, XXXX  and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by Experian, XXXX, XXXX, XXXX, and XXXX XXXX, they are required under 1681i of  the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have not applied for this card.

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation
State: TN

Complaint narrative:
I had no funds on the card and received a service fee of {$4.00}. When I tried to send an email to cancel the card at the company website I found out that the user can only call the company or mail in a letter.

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 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover card has been calling my parents house ( three times a week ) for that past three weeks. I havent lived there in 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage transferred my mortgage to Wells Fargo XXXX of 2015 the account is showing a XXXX balance but now I have a 2nd entry on my credit report that is reporting currently and up to date on my credit report as a modified conventional loan for 34 months which is exactly the same as the time the loan was transferred on 2015. I am not sure why one mortgage is reporting twice on my credit report I have never missed a payment and the other account has a numerous late payment

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 2018-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I'm participating in the Public Debt Forgiveness Program and submitted my first certification form in XX/XX/XXXX. It certified that I've been working that the XXXX XXXX XXXX XXXX, an qualifying XXXX, since XX/XX/XXXX. 

My loan was transferred from XXXX to XXXX XXXX shortly thereafter. However, my first statement from XXXX indicates that I've only made 3 qualifying payments toward the PDF program. 

Before working at this XXXX, I worked for the XXXX XXXX XXXX, and I'm working on obtaining certification of that as well. That is a total of 7-8 years of public service. My account should certainly reflect more than 3 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2017 I have an inquiry from XXXX National credit cards airline, and I never did any business with this company. I would like it off my credit.

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 2018-11-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit score dropped from XXXX to XXXX with XXXX  ( 62 points ) and XXXX to XXXX with Equifax ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both XXXX and Equifax for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have two accounts with American Express. Both of these accounts are in a debt consolidation. I have been advised by my bank that American Express has debited my account for the past month of XX/XX/2018 in the amount more than {$500.00} on numerous days. 
I called American express, I did not authorize these charges. American Express is " looking into the matter. '' I called my bank and they put a stop payment on the latest on for {$200.00}. The rest is being investigated for fraud. 
I need American Express to be made to account for their underhanded way of conducting business. 
Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 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: NV

Complaint narrative:
Dispute Results # XXXX XX/XX/XXXX Experian sent me a report and it shows that XXXX XXXX will stay till XXXX. XXXX XXXX  has responded and will have their information hidden from report. I have received the same message from all credit inquires I disputed. My list of disputes were fraud. I furnished an email that was bounced off my company email that was used.

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 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I received a letter dated XX/XX/2018 from the collection agency. On XX/XX/2018 at XXXX they were already calling me trying to collect the debt. Pursuant to the Fair Debt Collection Practices Act I have 30 days to dispute the validity of the debt. I have just sent them a certified mail disputing the claim, but they have not received it yet. They have no right calling me before the 30 days is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: PA

Complaint narrative:
I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. 

Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.

Company response to consumer: Closed with explanation