vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OUT TECH, INC.
State: NY

Complaint narrative:
I called the XXXX XXXX XXXX  XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible.Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. Please contact me for additional information or questions you may have. 

Sincerely, 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 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have for two months had issues with XXXX XXXX  XXXX ... I have been approved for a 403b refinance so I can get a new roof post hurrican Irma. The new lender XXXX XXXX XXXX needs a letter from Loancare, just simply stating I was in a disaster forbarence from XX/XX/XXXX to XX/XX/XXXX, and prior to this had no late payments. ( Which is exactly what my records for them show ). I have spoke to 50 people, tons of supervisors, and I can't even explain the stress.. the last call someone told me that it would be illegal for the to give me this email ... everyone says they can't do anything, no supervisor will return my calls ... I just need this one XXXX thing, so I can refi, and pay for my roof! Please help

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 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : 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 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
My mortgage is currently serviced by Selene Finance. From XX/XX/XXXX to XX/XX/XXXX, Selene collected over {$30000.00} from the Indianas Hardest Hit Fund. This program is governed by the Indiana Housing and Community Development Authority, with original funding coming from US Department of Housing and Urban Development ( HUD ). HUD established these programs to offer mortgage assistance to unemployed workers, so they could avoid foreclosure. All funds distributed through this program are the product of US Treasury Funds, essentially taxpayer contribution. 
The accounting records that have been provided by Selene are incomplete, since the entire payment history is missing to show application of the {$30000.00} Hardest Hit Funds distributed to them. Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since  they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). 

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. 

Selene is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. Selene has imposed a foreclosure sale date on XX/XX/XXXX.  Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter. You can reach me via email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I sent this letter on XX/XX/XXXX in writing because they have made it so hard to dispute it any other way. I am writing today to document my dispute for two charges on my account. I am highly disappointed in how difficult this has been to dispute these charges given you ( Bluebird ) contacted me via text when you identified the fraud. 
I received a text from you last Friday XX/XX/XXXX asking me to call due to 2 suspicious transactions. You turned those transactions down. I then indicated I saw two charges that had just been put on hold that also did not belong to me. I was told I needed to call back after they posted to dispute them. Given you found the fraud this made and continues to make no sense to me. 
I called on Sunday XX/XX/XXXX after they posted. I had to go through another lengthy phone call and was told you would dispute them and I would receive something over email directing me how to submit it in writing. I still have not received anything so I am now officially putting it in writing. I also plan to complain to the Consumer Financial Protection Bureau. 

These two transactions do not belong to me. 
Store Purchase XXXX 'S XXXX 'S - {$110.00} XX/XX/XXXX Store Purchase XXXX XXXX - {$130.00} XX/XX/XXXX The last transaction I made was for {$17.00} at XXXX XXXX XXXX. I made the purchase in person and had my card with me at all times. Your staff told me that is where you believe the account information was taken that led to the fraud. I had to answer this question each time I called in, so I am providing it now. I did not file a police report because again you identified the fraud. I find that question ridiculous because as an owner of American Express Gold card with a similar incident I was never asked that questions and I never had to go through these hoops to put in a dispute and get it resolved. You clearly provide a lesser service to BlueBird Account holders. 
I am extremely disappointed in the service you have provided regarding these charges. You are in effect holding my money hostage and not going after the merchant that accepted a fraudulent number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to freeze my account due to the breech. Experian will not let me do this. I DO NOT LIVE IN THE USA. I AM A CITIZEN LIVING ABROAD. The phone number given will not work here. I have a problem because I dont have an address there. I have sent a letter along with detailed information, as well as a check to pay for the service and I have gotten no response. I can not send proof of living in that house because I do not live there. I live in XXXX. The US address is my mailing address only for the states. If someone from this company would just contact me. Email works best. Or if I could get a phone number, non toll free, I could call. I do need to speak to someone personally. The information provided on the website wasnt good enough. I found a number and called and it was a machine asking the same questions that were asked on the web site. I filed a complaint that i can not access this company and received a message to send information that i do not have or to call a number that i can not reach. I NEED SOMEONE TO CONTACT ME VIA EMAIL. OR GIVE ME A PERSONAL PHONE NUMBER WITH A REAL AREA CODE THAT I CAN CALL. I NEED A HUMAN BEING TO INTERACT WITH. MY EMAIL ADDRESS is XXXX. Please, I AM BEGGING YOU HELP ME FREEZE MY ACCOUNT. DO NOT SEND ME THE SAME RESPONSE. I have tried every option available and non of them work. I have called the XXXX branch hoping that someone can help me find a phone number. My husband has called the XXXX branch and they just do not bother to return the call.

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 2018-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I tried numerous times to find a way to lower my payment working as a non XXXX XXXX XXXX. This company only gave me the option of forbearance. My loan ballooned. I took out XXXX and ended up with a Student loans over 65K in 8 years!!!! I couldn't file bankruptcy, or lower payments from what they called acceptable monthly payments of " XXXX ''!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by bank.

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 monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo sent me an email back on XX/XX/XXXX stating that I had a bonus offer of {$150.00}. I called the XXXX number as to how to redeem this {$150.00} Bonus Offer and was advised that it could be redeemed on XX/XX/XXXX by going into the branch. 

However, I just called today, XX/XX/XXXX, and was advised that I did not make the guideline because I only spent {$470.00} in the first three months. I spoke with a manager also today. I told him to pull the tapes of the phone conversations as to the Wells Fargo employees verifying that I was entitled to {$150.00} bonus on XX/XX/XXXX. I actually spent {$1500.00} in the first three months of receiving the credit card. What a rip off. If I was not entitled back in XX/XX/XXXX, why not state it at that time? Today, XX/XX/XXXX, also,  one phone rep stated that the bonus will go directly into my account within 7 days. That is when I requested to speak to a manager.

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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Collection Company ( National Credit Systems ) reached out to me regarding an old apartment complex debt that they say I owe allegedly. When I requested a copy of the original lease agreement, I was sent a fraudulent document and signatures. The lease agreement that was presented to me has a signature date of XX/XX/XXXX but according to the Financial account statement that was presented along with the fraudulent lease shows that I moved in on XX/XX/XXXX and that I moved out XX/XX/XXXX with a lease expiring on XX/XX/XXXX. This company has clearly violated my rights as a consumer by not being able to validate the alleged debt and by secondly falsifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Around XX/XX/XXXX, I disputed a collection on my Transunion credit report from XXXX XXXX XXXX. I requested an investigation by Transunion. Upon waiting for Transunion investigation to be complete I also sent a validation letter directly to XXXX XXXX. Transunion completed their investigation on XX/XX/XXXX. The results were that the account was verified. I am questioning the verification for several reasons. What information was provided to validate the debt, who validated the debt? My reasons are is, I received a letter from XXXX XXXX XXXX on THEIR letter head with an account number and it also states the letter was assigned to them. The company did not provide any proof from the original Creditor stating they assigned the account to them. I also went as far as to contacting XXXX XXXX who assured me they did not assign an account with my information to a collection agency. I was told again to dispute it with the bureau. ( Transunion is the ONLY bureau reporting this bogus collection ) This account has not met the standards according to the FDCRA as proper validation. Anyone can type a letter and add numbers to it. They also were not able to provide a contact or anything with my signature on it. 
XXXX XXXX did not meet the burden of proof and Transunion failed to complete a through investigation according to FDCRA guidelines.

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 2018-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.

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 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: MN

Complaint narrative:
Pacific Union is now refusing to accept my payments due a returned check. They will no longer allow me to pay online or by phone or through my bank with bill pay. As a result of the returned payments my mortgage fell behind 2 months and they stated they were going to begin the foreclosure process, sent someone to my house twice to post notes on my door and the last one was on my property taking photographs. They knew I was attempting to pay my mortgage but went ahead anyway. I find their business practices unethical and threatening. When I realized my payments were being rejected I called them and I was told that due to the returned check that for the next 6 months they will only accept payment via certified check or through XXXX XXXX in which I'm forced to pay extra fees. The associate on the phone was unhelpful and rude. I bank online so not only it this extremely inconvenient it also costly and very stressful. As a mortgage lender PCU has a fiduciary duty to it clients and needs to hold itself to that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. 

To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a CapitalOne credit card that I have saved for emergencies and tried to not use it. I went on my CapitalOne site to pay my other credit card and I saw that CapitalOne closed my account. Apparently in my terms and conditions that I read 3 years ago but don't remember everything that if a card isn't used for a while they could close my account. I understand that this applies but there should've been a notice of closure 30 days prior, therefore I would've used my card to keep it active. When talking to the representative he said that a notice is usually sent out 2-4 weeks after an account closes! This is unprofessional as it gives me and other like me the consumer, no time or knowledge of what is going to happen. Now my credit score plummeted because it was closed by the creditor and now I don't have this emergency card. Their answer to all of this, " I should apply for another card. '' This doesn't work for me, I want my card activated again and my credit score to  go back up but CapitalOne is not being helpful. This is a huge scam!

Company response to consumer: Closed with explanation