vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: WY

Complaint narrative:
I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VT

Complaint narrative:
Loan Depot has failed to pay my town property taxes. Due to their non payment my name will be listed in the town letter for the next 3 years causing my reputation harm. I have called them to try and resolve this multiple times but all I can get out them is " It 's being worked on '' At no point have they been able to give me any indication as to when my town taxes will be paid or what the actual status is with the process. They are unable to let me speak with someone who can actually be of assistance and block all attempts at escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD banks is blocking my access to external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
Our mortgage was sold from XXXX XXXX XXXX to Mr. Cooper ( Formerly Nationstar ) and we have been trying to get a loan modification since XX/XX/XXXX due to a car accident where my wife was rear-ended and lost her job about 5 years ago. I have sent them requested documentation via mail and email ( at least 8 times ). I resent information today XX/XX/XXXX and we still do n't have an answer. This is by far the WORST company we have ever done business with. I needed to let you know so this company can be investigated, and hopefully this wo n't happen to others. My wife is going to be XXXX in XX/XX/XXXX and I will be XXXX in XX/XX/XXXX and we are to old for this kind of POOR customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for 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 2017-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
FROM XX/XX/XXXX TO CURRENT XX/XX/XXXX. I HAVE RECEIVED LATE FEES FOR PAYMENTS THAT WERE ON TIME. IVE HAD MY CHECKS NOT GO THROUGH AND WAS UNABLE TO REACH ANYONE TO FIND OUT WHY OR WHAT I NEEDED TO DO? MY BANK HAD BEEN VERIFIED AND ACCOUNT INFO WAS CORRECT SO I HAD NO OTHER CHOICE BUT TO REACH OUT TO OTHER ENTITIES. I CALLED AND LEFT MESSAGES AND NEVER GOT A RESPONSE UNTIL I WENT TO THE XXXX XXXX WEBSITE AND SPOKE WITH A REPRESENTATIVE THERE AND ALSO CONTACTED MY LENDER TO TELL THEM WHAT HAPPENED. AFTER 3 MONTHS I RECEIVED A RETURN FROM THE LATE PAYMENT FEE THAT WAS ERRONEOUSLY APPLIED. 
WHEN I TRIED TO SET UP MY ACCOUNT ONLINE TO MAKE PAYMENTS THEY WERE NEVER ABLE TO SET THE ACCOUNT UP FORCING ME TO CALL EACH MONTH WHICH NO ONE EVER ANSWERS THE PHONE. WHEN I ACTUALLY GOT A CALL BACK FOR THE INTERNET ISSUE I WAS TALKED DOWN TO LIKE A CHILD OR A DOG. MY ACCOUNT WAS RESET OVER AND OVER AND OVER WITHOUT REQUESTING IT TO BE SO I WAS NEVER ABLE TO LOG ON AND USE THE SERVICE. 
IN XX/XX/XXXX I TRIED TO CHANGE MY HOMEOWNERS TO TRAVELERS AND THE NEW INSURANCE CALLED ME 2 MONTHS LATER SAYING THEY NEVER GOT A PAYMENT. WHEN WE CALLED ON 3 WAY THE PERSON I SPOKE TO TALKED TO ME AND THE INSURANCE LADY LIKE WE WERE TRASH. HE TOLD US THAT WE COULD NOT CHANGE OUR INSURANCE BECAUSE IT HAD ALREADY BEEN PAID. THAT I WOULD OWE ALL THIS MONEY. HE MADE ME FEEL SO BAD THAT I JUST STOPPED THE PROCESS. WHEN I CALLED HIM OUT ON HIS BEHAVIOR, HE ADVISED THAT IF I DID N'T LIKE IT I COULD HANG UP. HE WENT ON TO ARGUE WITH THE INSURANCE REP FROM TRAVELERS ACCUSING HER OF NOT KNOWING WHAT SHE WAS DOING WHEN SHE HAD BEEN IN THE BUSINESS FOR 15 YEARS. THE PHONE CALL LASTED AN HOUR WITH HIM ARGUING WITH US. 
I HAVE EMAILS OF HIM TRYING TO APOLOGIZE FOR HIS ARROGANT SLANDEROUS BEHAVIOR. I ALSO HAVE EMAILS OF ALL TIMES I HAD ISSUES WHEN I WAS ACTUALLY ABLE TO GET A RESPONSE FROM SOMEONE. 
CURRENTLY THE MORTAGE COMPANY IS SAYING I OWE THIS EXTRA MONEY WITHIN MY ESCROW ACCOUNT, BUT YET WHEN I CALL THEY WONT CALL ME BACK. SO I AM TRYING TO FIND OUT WHY MY MORTGAGE WENT UP {$50.00} DOLLARS A MONTH AND WHY THE ESCROW ACCOUNT PAYMENTS DO N'T ADD UP AND THEY WONT CALL BACK. I HAVE TO KNOW WHY ITS WENT UP? I ALSO NEED THEM TO EXPLAIN WHAT THEY DO WITH THE FUNDS THEY RECEIVE? THE AMOUNTS DO N'T ADD UP ON THE STATEMENTS THEY SEND. WHAT CAN I DO?? THIS HAS TO STOP!!! STATE HOME MORTGAGE HAS THE WORST BBB RATING AND OTHER CONSUMER COMPLAINT RATINGS I HAVE EVER WITNESSED!!! WHY ARE THEY ALLOWED TO CONTINUE THIS TYPE OF BEHAVIOR WITH SUCH RATINGS? IS THEIR NO PENALTIES OR DISCIPLINARY ACTION THAT CAN BE MADE AGAINST SUCH COMPANIES TO KEEP FROM THEM FROM CONTINUING IN THEIR ACTIONS??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase Bank customer for many years and had a checking and pre-paid card with them. In 2014 I called Chase Bank to file a dispute on a fraudulent transaction on my pre-paid card and all my accounts were unexpectedly with no explanations. I reached a Chase representative in the overseas area, and that representative closed all my accounts without advising me that all my accounts were being closed or why, and placed a remark as " excessive claims/disputes '', which I was only notified after contacting Chase by phone. I never had excessive claims or disputes on any of my accounts. Today I contacted Chase Bank to determine how to correct this error and remove this remark, but got nothing accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has NEVER sent me anything in writing via USPS or email. They are REPEATEDLY calling my friends and family. They are threatening jail to everyone associated with me that answers their phone. They are abusive bullies spreading my business ( lies ) everywhere they can. Please stop these people. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: AZ

Complaint narrative:
Dear CFBD staff, After hearing about the recent Equifax breach, I decided to take advantage of the Equifax offer to provide free credit monitoring and a free credit report for one year under the Equifax Trusted ID program ( equifaxsecurity2017.com ). After enrolling for the program on XXXX-17, I received a message from Equifax that my personal information was affected by the breach. When I examined my credit report I noticed several hard inquiries that I did not authorize. I then contacted the companies listed under the fraudulent hard inquiries and was not able to resolve the issue. I then called equifax and spoke to a supervisor in the disputes department ( XXXX employee # XXXX ). XXXX informed me that there was absolutely nothing Equifax could do to resolve the issue. She informed me that Equifax has no power at all to remove inaccurate information in the inquiries section of my credit report, even if it is completely inaccurate or was initiated without my permission and even if I could not get relief from the company involved. This seems incredibly irresponsible and tone deaf to me especially in light of the recent breach at Equifax and especially considering that they confirmed my information was affected by the breach. Inquiries do affect my credit score and credit worthiness to potential creditors. 

The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX/XXXX When I reached out to the above companies, they told me that these were valid inquiries and could not be removed. I did not authorize nor do I know anything about these companies and I want these inquiries expunged from my report. 

I hope that this matter can be resolved now that I have contacted the CFPB. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Dealer Services amount is {$2500.00}. This account is being reported to all 3 credit reporting agency and this account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
XXXX-2017 XXXX XXXX in New York removed my withdraw permission because they detected that I logged in from a new device. Should have been restored in 24 hours. It was not because their system continues to believe that I am logging in from a new device. So the account remains suspended. I followed their protocol to address the issue. It did not work. I am logging in from the original device used and they still are not restoring my privilege. Only auto email response. No humans in this space. No ETA for response. There is a huge opportunity cost in hold people 's money hostage when there is extreme volatility. Should be laws that require exchanges to have a staff sufficient to address client issues. They do n't mind letting you in and collecting fees. They need to honor their side of the deal and provide legit. service. This is causing me great stress and I they can not reimburse me for that.

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 2017-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I have an existing mortgage loan through Wells Fargo home mortgage. I have had auto pay set up through my bank to the lender and have had for years. 
This fall I switched banks. In the process I set up my XX/XX/XXXX payment through this new bank online with Wells Fargo Home Mortgage. During this process I forgot to set up auto pay with my new bank. As a result I did not make XX/XX/XXXX 's payment. I have quite a bit of cash coming and going through my account. XX/XX/XXXX rolls around and I noticed my level of cash in my bank account seemed to be too high at this point. I went online to review my checking account and noticed my Wells Fargo payment had not been deducted yet. I then realized the problem immediately. I went to the online payment method for Wells Fargo and made XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX. 
With this happening I also realized they reported me 30 days late to the credit bureaus. 
I set up an online email with a customer service representative and he basically told me that there was nothing they could do. They made no mistake, However, I agree that they did not cause the late payment but they did not contact me whatsoever in light of my non payment for the month of XX/XX/XXXX. I received a statement which I get every month and had no reason to think there was something wrong as I do n't need to read them every time. I received no phone as they stated they made. If I did I would never have known as they never left a message. I also did not receive any letters in the mail stating their concern. I have spoken to three different Wells Fargo representatives yesterday and none of them would go do anything to help me out. I have been a very good customer and never missed any payments. With any lenders for years. I was very disappointed in their decision and feel they do n't understand the gravity or care about the damage this will cause to my credit. If they did n't make any effort to send me a letter, alert me through an email, or cal and actually leave a message how is this fair to me their customer. I feel this decision could have been handled much better and am asking for assistance in getting Wells Fargo to admit they did n't notify me properly and to ask the credit bureaus to remove this bad mark against me. 
Please let me know what you can do.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received a notice from my mortgage loan servicer, Select Portfolio Servicing, to provide proof of insurance for a policy that had expired on XX/XX/XXXX. I sent that to them. On XX/XX/XXXX, I received another letter asking for proof of insurance for the prior year, XX/XX/XXXX to XX/XX/XXXX. I did not have insurance in place during that year because my home was in foreclosure and they had scheduled an auction. The home is no longer in foreclosure and all the auctions, three of them, were canceled. 

Then I received a bill from them for {$3500.00} for insurance ( force-placed ) for the lapsed period, the prior year. This is double what I pay now and it was for a year that had already passed. 

It 's hard to believe they can do this, but they did it. If I could buy insurance for a previous year, I would have done it but it seems only mortgage companies can do this and force it on the homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation