vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.

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 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion apparently gone to some credit model called XXXX. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over XXXX points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.

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 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed information that was on my credit report that is not reporting accurately. TransUnion. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my TransUnion report of the improper sharing by the credit reporting company. TransUnion could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) or the results of their investigation.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I wrote to TransUnion in XX/XX/XXXX to dispute an item on my credit report related to XXXX XXXX. I specifically asked them to investigate because the item appears inaccurate. They continued to report the item without sending me validation. I have followed up in XX/XX/XXXX and they still have not validated or removed the item. I provided information to them that shows the item is reported in duplicate. The collection agency has dropped the item from the report, but the original creditor is still reporting an item that is no longer theirs. It affects my creditworthiness because it makes the item appear as an active charge-off that has not been satisfied. In addition, TransUnion did not respond in a timely fashion. The other XXXX credit bureaus, XXXX and XXXX have removed the item.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.

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 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Finance Company, Inc.
State: KS

Complaint narrative:
I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???

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 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: MD

Complaint narrative:
On XX/XX/2012 we mailed a payment of {$2900.00} to Provident Funding, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The monthly mortgage payment is {$990.00}. We marked the additional amount of {$2000.00} to be put towards the principal. The company made an extra month 's payment of {$990.00} and only {$1000.00} to the principal. We have talked to them but to no avail. We have not missed any payments and do not know why they did this. So since this date the amount that should have been put to the principal has cost us interest. They do not want to rectify their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, 60 days past due as of XX/XX/XXXX, 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jzanus Ltd.
State: NY

Complaint narrative:
Threatening to report to credit agency amount in dispute. I have asked the the debt collection agency what the amount due is for and they tell me to call the hospital. Since they have no billing info there is nothing I can call the hospital about. Spoke to Supervisor XXXX XXXX, on XXXX/XXXX/15 who said he would contact hospital and find out what the amount his office is billing is for and call me back on Monday XXXX/XXXX/2015. A week later and he still has not called. I tried to call him today and was unsuccessful in getting him to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: CA

Complaint narrative:
I received a letter from this company proposing a settlement amount for a debt they allege that I owe. This is the first and only letter I have received from them. I am disputing the debt. I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They failed to advise me of my right to request validation of the the debt within 30 days ; 2 ) They failed to advise me of my right to dispute the debt within 30 days ; and 3 ) Did not provide validation of the debt within 5 days of their original letter. I have responded with a letter disputing the debt and requesting validation and a request that any future communication be in written form.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-07 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: Cascade Collections, Inc.
State: MO

Complaint narrative:
I paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On, I believe XX/XX/XXXX I contacted my credit card company, along with the merchant, XXXX on a three-way-call to request a credit for a payment I made with my Citi Credit Card on XX/XX/XXXX in the amount of {$550.00}, which the merchant claimed she did n't receive. She stated the payment was processed via XXXX who in-turn should have made the deposit to her bank account, but she claims she did not receive the payment. During the three-way-call the credit card customer service rep confirmed that the payment was indeed made to XXXX. I was also able to see it on my account transactions. Well, at that moment we decided to request a credit for the {$550.00} and I agreed to make the payment via XXXX. ( This agreement between myself and the merchant was recorded by Citi Card Acct Services ). 
To my surprise the charge of {$550.00} was put into dispute, but then I realized, of course. There was to be an investigation. The dispute was investigated and the merchant provided proof of the transaction. Then, of course the payment was posted back to my credit card account. In essence I paid twice for the service provided once. I was confused about the whole process. I admit and have taken responsibility for my ignorance but I was also misguided by the Citi Card customer service reps. After getting an understanding of what had happened I requested that the dispute remain open via email on XX/XX/XXXX, which was the deadline for any other information I wanted to provide to keep the investigation going. 
In that email I asked the dispute dept to please contact the merchant again so they can confirm my story and that the merchant will not contest my dispute. I have been in contact the merchant throughout the whole dispute process and she agreed. They never did contact her. 

Then I received a notice, date XX/XX/XXXX that the dispute was closed. I contacted Citi Card dispute dept and spoke to XXXX, the Account Manager on XX/XX/XXXX and, to make a long story short she denied my request to keep the case open or should I say re-open it even with the proof that I contacted them before the deadline with additional info via email. 

What would I like the outcome to be? I would like for the Citi Card Dispute Department to reopen my dispute, get in contact with the merchant, XXXX and credit my account for the {$550.00} and/or to follow the paper trail and confirm that the merchant really did n't receive the payment. 
I am not denying that the service was not rendered I am stating that I made a duplicate payment of {$550.00}. 

I am hoping that you can please provide me with the assistance I need to obtain my money. I accept responsibility for my ignorance but I should n't have to be punished for it.

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 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I was not properly notified, by Midland funding LLC/Midland Credit Management INC, in Michigan, they went through a third party. Illegally placed a garnishment on my credit report to garnish my federal income taxes and the account is currently occurring interest. Lack of verification that this debt was assigned or sold to collector. Lack of verification that this debt was assigned or sold to more than one collector. Midland Funding LLC has multiple class action lawsuits pending due to unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: Consumer Asset Management (Texas)
State: AZ

Complaint narrative:
I do not owe this they never provide proof when requested keeps putting this on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: TN

Complaint narrative:
Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.

Company response to consumer: Closed with explanation