vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX The following complaint is not limited to the factual statements found herein describing actual dated documented references concerning perjury and false Declarations in direct reliance to Wells Fargo on Court documents including This one and more to come. consecutively On or more specifically XX/XX/XXXX the Defendant XXXX XXXX XXXX Submitted in the Circuit Court of the XXXX Judicial Circuit in and for XXXX County CASE # XXXX ( XXXX ) DEFENDANTS PRO-SE MOTION. 
TO DISMISS COMPLAINT against Wells Fargo on the following grounds stated. 

1. On XX/XX/XXXX. Plaintiff filed its foreclosure complaint 2. Plaintiffs Foreclosure Complaint is fatally defective in that it is not verified as required by Fla. R. Civ . P. 1.110 ( b ) That rule provides that When filing an action for Foreclosure of a mortgage or residential real Property, the complaint shall be verified. When verification is required. 
The document filed shall include an oath, affirmation or the following statement : Under penalty of perjury, I declare that I have read the foregoing and the facts alleged are true and correct to the best of my knowledge and belief 3. Plaintiffs Complaint contains the above statement. Furthermore, an individuals signature and printed name. XXXX XXXX, appear below the statement, without any notation as to title or relation to the Plaintiff. The individual swearing to this verification statement under the penalty of perjury does not identify himself as a representative of the Plaintiff or any other entity, for that matter. Without Identification as to entity, the verification is incomplete and therefore the Complaint Is unverified and should be dismissed. 

WHEREFORE, the Defendant hereby requests this Court to dismiss the Plaintiffs Mortgage Foreclosure Complaint with Prejudice. 



Sincerely : XXXX XXXX XXXX I certify that the above information is true and correct Please be advised That more complaints against Wells Fargo will be continued and pursed.

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 2018-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a purchase on XX/XX/XXXX The merchant provided a return label which was used to return the item ( See attachment # 1 ) The item was returned to merchant on XX/XX/XXXX ( See attachment # 2 ) The shipper ( XXXX ) lost the package I initiated a dispute on XX/XX/XXXX, at the time I provided the tracking number and a copy of the shipping label that was provided by the merchant On XX/XX/XXXX, Paypal requested the tracking number, I attempted to provide the tracking number but the website did not work, see attachment # 3 for screenshots indicating that the website can't can't be accessed. 
On XX/XX/XXXX, I contacted Paypal and provided the tracking number over the phone. 
On XX/XX/XXXX, I received an email from Paypal indicating that the dispute was decided in favor of merchant because the tracking number was not provided by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been trying to sell my property as a short sale. This property has been under contract since XX/XX/XXXX. Citi Mortgage is the 1st lien holder and Citi HELOC is the second lien holder. Citi countered the buyer 's {$200000.00} offer with {$230000.00}. The value dispute was initiated on XX/XX/XXXX and up until now we have not receive an update from Citi other than them confirming receipt of the docs and that the file was endorsed to their review team for the value dispute review. 

As per Citi, my file was removed from their short sale review while the value dispute review is ongoing. We keep on following up with them for an update because we do not want to keep the buyers waiting. They advised that they do not have a time frame for the review and that's what keeping us worried. 

Can you please assist in making Citi escalate this file? Thank you for your assistance with this matter.

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 2018-03-23 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On Thursday XX/XX/XXXX I went into the XXXX store because I was to take part in a XXXX XXXX by what I believed was a legitimate company by the name of the XXXX XXXX. They sent me a check in which I deposited into my BBVA account on Monday XX/XX/XXXX for a total of {$2900.00}. BBVA compass informed me that they were going to put a hold on the check to determine if the check was good and if so the funds would be available on Wednesday XX/XX/XXXX. On Wednesday XX/XX/XXXX it showed in my BBVA Compass Account that the funds were there and so on Thursday XX/XX/XXXX I  proceeded to do the job I was assigned to do and went to the XXXX store in XXXX Arizona located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX that stores telephone number is XXXX. Unfortunately to my surprise I was a victim of Fraud orchestrated by some scammers that made up a phony check, phony business, and ultimately got away with {$2600.00} dollars of my money in which {$600.00} dollars was taken from my bbva credit card and {$410.00} from my BBVA debit card. The remaining balance of {$1500.00} was taken from my debit card from another financial institution XXXX XXXX XXXX XXXX. I would like my money refunded back into my bbva compass account because I feel they are liable for making the funds available when I made it clear to them that I had no knowledge if the check was legitimate and if it was not then please let me know so I could report these scammers to the proper authorities and not have lost my hard earned money. I have called XXXX, the financial institutions involved and have provided proof and they have told me that they can't do anything about this in refunded me my money. The truth is if BBVA Compass bank would've never cleared the check I wouldn't be in this predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.

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 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I called to resolve a debt for my daughter that's a minor under XXXXyr old on XX/XX/18 which myself holds the insurance information & was told that I cant take care of it without her permission. amount is {$490.00} she should not be responsible for a debt that I have insurance for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One account XXXX that was opened in XX/XX/XXXX. My pay history shows late for XX/XX/XXXX - XX/XX/XXXX. I paid account full without any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A derogatory remark from XXXX was added to my credit report in XX/XX/XXXX. The remark is being reported as a new collection account for something that is old. It is listed that the account was open in XX/XX/XXXX. 

I contacted the company and was advised that the account was closed in XX/XX/XXXX. I spoke with three people ( a rep named XXXX XXXX, a supervisor named XXXX XXXX and a rep in credit named XXXX XXXX ). Neither of these people offered assistance in trying to resolve my concern. This company wants me to pay a debt and wait seven years for it to fall off of my report ( at that time it will be a 12 year old debt ). 

The account appears to have been assigned or sold to another company and this company is reporting it as a new debt. They are not willing to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
On XX/XX/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt. 

I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
We began the loan modification waterfall process in XX/XX/XXXX. Since this is an FHA file, we were aware that we would need to go through loan mod before moving into short sale. We placed the property on the market and began the process while searching for a buyer. In early XX/XX/XXXX, we were told that the loan mod had been declined and we were moving into short sale. The same day, I initiated the file in XXXX. An appraiser contacted my office for access and said he was sent there by Mr. Cooper. I mentioned this to our representative and she denied that the appraiser was sent and said that the FHA was taking " 15+ days for a response. '' It has now been 42 days since she sent the file to HUD and I am concerned if anyone is actually working this file. The client also regularly logs in to his Mr. Cooper account and says his account still has no information regarding the short sale. There has been no real movement on this file and I would hate to lose such a patient buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Hello, Ford Credit shows on my credit file as opened XX/XX/2008. This account shouldn't show on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: The CMI Group, Inc.
State: IL

Complaint narrative:
I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company 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 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I  received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by Pendrick Capital Partners. I was provided with the number of ( XXXX ) XXXX. I called Pendrick customer support and spoke with XXXX who stated that the bill was sold to Pendrick and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is  continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LendUp Loans LLC
State: CA

Complaint narrative:
To Whom It May Concern : I reviewed a copy of my credit report and the following company ran an unauthorized credit inquiry on me on my account. This is not a factual record In fact I spoke with the company and thry promised to remove this Inquire and not publish it as a soft hit either because I did not give permission nor did I consent of any kind I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact this company and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting all the names you contacted to verify this was factual. You have 30 days to remove this from all there credit agencies and report it correctly. If not I shall seek an attorney to represent me in a Court of law. I will also send you a certified mail of this exact letter. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zenith Financial Network Inc
State: TX

Complaint narrative:
I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused  again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.

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