vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Watson Mortgage Corp.
State: FL

Complaint narrative:
I applied for a mortgage with the First Time Home Buyers Assistance Program with XXXX XXXX of Watson Mortgage. I was transparent with him about that fact that my previous home had been foreclosed three years prior. He told me I still qualified. He had me go through the entire process which included placing an offer on a home, paying for the inspection, credit report and appraisal which totaled {$940.00}. When it came to the last two weeks ( at this point I was two months into the process ) he notified me that my income was too high for the down payment assistance program. He said the reason for this was that my loan had to be changed from an FHA to a Conventional due to the foreclosure ( which I had told him about during our very first conversation two months prior ). Without the down payment assistance I was not able to purchase the home. He was aware during the entire process that I would n't be able to purchase the home without the assistance. I spoke with XXXXXXXX XXXX superior who informed me that although XXXX was wrong in putting me through the process, he would not be refunding my expenses. At that point he gave me his superiour 's name and phone number. I called and left a voicemail but he has yet to return my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: UT

Complaint narrative:
In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.

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 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Senex Services Corp.
State: GA

Complaint narrative:
XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This business Third Party debt collector Federal Adjustments Bureau Company reported an alleged debt due owing to them. According to my to my records they have never been a creditor of mine and upon severaI request I asked and demanded verification and validation for the debt owed to them as well as the credit bureaus but no changes have been made. I noticed this company intruded into my personal credit file without my authorization, which constitutes a negligent violation. In reference to this matter I 'm requesting that Federal Adjustments Bureau Company be removed from my report. I have no legal binding contracts or agreements with this business.
Federal Adjustments Bureau Company acct. # XXXX {$3100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report on XXXX XXXX2017 XXXX is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. XXXX credit score is at XXXX? Transunion XXXX and XXXX XXXX. XXXX, Transunion and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?

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 2017-07-21 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: LEXISNEXIS
State: CA

Complaint narrative:
I responded to lexis nexis letter regarding a public record error on their report. On XX/XX/XXXX I sent in  documentation via email about the false information they said about calling the court because I called myself and they answer was different from lexis nexis. I was told I would get a response in 24 hours and have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC.,  reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from AWA Collections. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted AWA Collections multiple times, the last being on X/X/2017,  for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from AWA Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: CA

Complaint narrative:
Back on XX/XX/XXXX, I began looking into my credit report because I wanted to make sure I was credit ready for loans. I reviewed my report and it was 90 % flawless. The only thing on my report that was derogatory was a paid collection that was reporting across all three credit bureaus. The only problem with that, is that it did not belong to me. The account said that it was a collection for a XXXX XXXX XXXX. Neither me, my wife, nor any of my children have ever been to XXXX XXXX XXXX. I 've never even heard of them. I swiftly disputed the account with all three credit bureaus. Within 30 days of my dispute I received a notice from both XXXX XXXX and XXXX  showing the account had in fact been erroneous and deleted from my credit report. I did not receive a similar letter from Equifax. I received no letter at all from Equifax. It has now been nearly 4 months and I have yet to receive any notification of any kind from Equifax. This is not the only time this has happened in my househould. My wife had the same problem from Equifax and she started the process long before I did. She started in XXXX of 2016. She even attempted numerous times to no avail. Ultimately she had to contact you and file a complaint on XX/XX/XXXX of this year before Equifax decided to actually respond and delete accounts that did not belong to her and had been deleted by the other 2 credit bureaus months prior. I do not feel like waiting 7 months. Because of what my wife went trough, I did research on this matter and found out that the F.C.R.A. only gives Equifax 30 days to complete a reasonable investigation as well as mail me written results of the investigation. It 's been more than enough time and I will not put up with any lame excuses from Equifax stating that they felt the letter came from a credit repair company so they ignored it. If they do not delete the account from my credit report I will sue them as this has literally cost me plenty of business opportunities as I am a business owner and need my credit to complete large transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is stating I owe XXXX and I moved out of the residence XX/XX/XXXX owing XXXX even. As of XX/XX/XXXX it is reporting on my credit as XXXX by 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 2017-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
It is reporting twice on my credit report once from XXXX XXXX  once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr

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 2017-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was dealing with XXXX XXXX in XX/XX/XXXX to maybe XX/XX/XXXX(? ) til then the school filed bankruptcy and closed that I went too. I am STILL dealing with these loans that I took out in XX/XX/XXXX. I made payments for several years of {$750.00} a month. Somehow 19 years later.. I owe XXXX XXXX dollars when I only borrowed about {$18000.00} because the rest were grants. And I paid monthly payments. School shut down.. XXXX XXXX sent me a letter saying XXXX balance, then years later started getting letters again from Fed Loan.gov and Navient is on my credit report. NO ONE LISTENS. It was a XXXX XXXX. 20 YEARS AGO. I DO NOT OWE {$100000.00} DOLLARS!!!!!! I was XXXX ... I am now XXXX..it has HAUNTED ME my entire life!!! TOTAL SCAM. THE LADY NOW OWNS A NEW XXXX XXXX IN THE AREA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On X/XX/2017 My Legal Representatives sent both Wells Fargo Bank and XXXX XXXX XXXX. All the necessary paper work to stop the sale. Both XXXX and Wells Fagro Bank said that could not talk to my Legal Representative since they have not had 48 hours notice. They were sent the Thrid Party Authorization form but were told they have to wait the 48 hours. Now my home has been sold to a third party and still Wells Fargo refuses to work with me. I have asked for a loan modification but I was told that I make to much money and that they could not help me or would not help me. When I spoke to XXXX XXXX XXXX they told me that they did not receive any of the paper work from my Legal Representative. I tried to make the some of the payments thinking that they would work with me but they turned me down. I forgot to add that was never given a chance to see if I could get a re installment quote from them. They denied me at every turn. Which I feel is very illegal.

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 2017-07-22 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: FL

Complaint narrative:
I have contacted both Experian and XXXX numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( Experian and XXXX ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XX/XX/XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX. 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.

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 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Card ending in # XXXX Bank of America 1. I had a {$1500.00} credit limit which with fees and interest charges it went over {$1800.00} {$300.00} over and a higher intrest rate than the usual, .Almost $ 30 % I had just done a credit check and they reported my account as a charge off. I had missed several payments early in 2017. In XX/XX/XXXX I was called from a specialist from bank of America a lady named XXXX we talked a little she had said that she would get back in a week, which took a month instead delaying any payment arrangement, that is when I received a charge off, which I just found out XX/XX/XXXX this will hurt my score. besides they are breaking rules as in unfair billing practices, and in some cases they use peoples checking money for their own use BO AMERICA is being sued for millions of dollars I Told them I 'm a customer I had mention the late response from XXXX as far as payment arrangement that 's not my fault. I said work with me the charge off no response I had to hire a law firm for credit repair. So this time they are not fexible, I dont understand this company. they are afraid to go to court. So why is it my fault with a charge off cause of XXXX.I had mentioned today, its not fair and I want to move from here of 45 yrs in crete  the fees the intrest rates the highest unfair billing and late response what else????

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 2017-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my 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 non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on 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