vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
For several months I stopped receiving statements from my Wells Fargo credit card. Then in XXXX, I received a statement that was forwarded from another address in Texas. On the statement were two charges on XXXX XXXX in the amount of XXXX and XXXX from a XXXX XXXX in XXXX XXXX. I have not been to XXXX XXXX in several years. I called Wells Fargo on XXXX XXXX who put me through a rigors process of proving my identity and canceling the account. They reissued a new card, but I refused to activate unless these charges were reversed. After receiving other statements still showing a overdrawn balance with fees, and being notified that my credit score dropped to the lower 600s, I contacted Wells Fargo again on XXXX. I was told that the fraud complaint was closed and no fraudulent charges were ever identified. The representative said he would try to reopen the investigation but could not promise anything. After all of the news about the corruption within Well Fargo, I  want to see if filing a complaint with CFPB would be of any 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 2017-08-23 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Per FCRA, I am requesting the method of verification for nine accounts there were previously verfied. Per FCRA i have requested method of verification and procedure used to verfiy. This is my right per FCRA 611. Anyone can say verify with no back up proof that the FCRA rules were followed.

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: FL

Complaint narrative:
I was contacted by Weinberg Mediation Group with a recorded message insinuating that legal action was pending against me and that the " authorities '' in my " jurisdiction '' would be notified that I was uncooperative with efforts to resolve a " legal matter ''. The intent of the message was clearly intimidation and left the impressive that I would be in serious legal trouble if I did n't not make an immediate payment to this company that I had NEVER had any previous contact with. 

I made a call back to the number that called me and my spouse spoke to a woman who refused any information and stated she did not have to verify the debt, that it was my responsibility and when asked that they contact me only via USPS she disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: IL

Complaint narrative:
XXXX with Diatech (? ) keeps calling me about a debt which I believe is owed by the previous owner of my phone number, XXXX XXXX. The most recent call I received was at approximately XXXX XXXX, today, XXXX XXXX, 2017.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my XXXX XXXX account is a current account, the XXXX XXXX is reporting few negatives late payments on this account, which are inaccurate, i have spoken to them and also received a letter from the creditor stating that these must be removed and approval to the bureaus but so far no bureau has deleted any of them except XXXX, please make sure that experian and XXXX would also remove these negatives from my report, since they have received the letter as well. ( hence attached ) i would greatly appreciate XXXX XXXX acc # 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 non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX Hospitals of XXXX XXXX never billed, or validated when requested, the amount presented ( XXXX ) for XXXX work. there was a erroneous billing to my insurance XXXX XXXX XXXX XXXX and a later refund to them which they applied to wrong bill for later work. Some years later another overcharge and repayment was applied to this item in collection. Not legal as they had turned action over to collection and can not act on the bil the second XXXX dollar overpayment should have been returned and the other earlier bill should have been removed. Multiple phone calls have yielded nothing as each other blame the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/2017 I applied for a credit with XXXX XXXX through XXXX. I spoke with XXXX XXXX and he informed me my application was approved for a corporate account without a personal guarantee so he did n't get my personal information only my business information concerning my XXXX application ... He sent me the terms of the lease and also told me my application was good for 90 days ... on the same day I went back online and applied through XXXX XXXX ( not the XXXX site ) for a XXXX XXXX loan ... at that time the application asked for my personal credit information and I supplied it within the application ... within a few minutes I received a confirmation email saying my application was still processing and if I wanted and update I should contact XXXX XXXX in which I did to get the status of my application ... XXXX XXXX responded back stating that my XXXX application was not approved because of my personal credit, I immediately sent him a email back stating my personal guarantee information was only authorized for my XXXX XXXX loan and that I did not authorize my personal credit to be used in determining my XXXX Application ... he preceded to tell me that my personal credit could n't be ignored now even though it was n't originally authorized to use on my XXXX application ... due to what I feel an error on XXXX XXXX parts now I wo n't be receiving my XXXX products because he took it upon himself to combine my applications after he looked over what he really should not have been concerned with and only been concerned with my working XXXX application and not my XXXX application!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have been attempting to make a payment on my Huntington Voice credit card, for over a month, but have been unable to due to an error message. Stating the following ; " One or more payment accounts below have been flagged by your financial institution for routing number and/or account number issues. Please contact your financial institution to confirm the payment account information and if needed change the payment account as necessary. '' I have contacted Huntington bank reps. Numerous times to get this resolved and after over 1 month since my first complaint I am still unable to make a payment online. 
I work XXXX ( leave for work ) and typically do not get home until after XXXX. Making a payment online was part of the original agreement i entered into with Huntington bank. On my latest contact with a Huntington bank rep. on X/XX/2017, via a Live Chat through Huntington Banks ( HB ) own platform, it was implied that their is some sort of security restriction Huntington added to my account that prohibits me from making an online payment. I have no idea why and Huntington refuses to provide any information confirming or explaining why. I have not received any correspondence via USPS, Email, Verbal or Text that my account has any restriction for payments During my live chat with a XXXX rep. : - I explained I was unable to add my external checking to make a payment online. 
- I explained my need to make a payment online due to personal restrictions. 
- I have been charged late fees the last few months - After several minutes of researching the HB Rep confirmed the error message but incredibly refused to help me or forward my issue to the  appropriate department. I was literally lost for words. Can you believe that, Huntington literally refused to help me or forward my complaint. WOW! 
Additionally, XXXX is providing untruthful statements to me, e.i. the error message is untruthful. 
- I am beginning to believe Huntington bank is deliberately trying to ruin my credit due to my previous valid complaints. If this is not an example of some sort of retaliation, please find me a more accurate reason for all these issue I have had with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE
State: NV

Complaint narrative:
I am not the actual borrower. I am a loan officer at another company. I have had many customers come to me very confused about the mortgage application process. These customers have come from a different company, Specifically All Western Mortgage. These customers had been dealing with a " loan consultant '' that was actually a former loan officer whose license was taken away by the court. Not only was this loan consultant discussing all aspects of the loans, exactly functioning as a licensed loan officer, He also was requiring {$800.00} upfront to begin the loan process. Ostensibly the {$800.00} was to lock the rate on the loan, however the customers had n't even picked out a house, much less had a sales contract. Just how many people this company has ripped off i ca n't say, but I have had more than one customer tell me their stories about them. It is a shame that they are still allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
There is a collection listed on my credit file through a company. I do not recall owing an amount stated I do. I would also like to request some validation as the old account I recall having with XXXX was many many years ago and was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I have had a mortgage with Caliber Home Loans since XX/XX/XXXX. We have always paid our mortgage on time, albeit with some payments after the grace period during the month. In XX/XX/XXXX I had to pay a big XXXX XXXX bill and had not received an expected reimbursement from my employer for work related expenses. So we had to pay our mortgage later in the month than expected. 

On XX/XX/XXXX I set up a payment to be made on XX/XX/XXXX. I set the payment up on line and received a confirmation from the company. ( Confirmation number XXXX ). My pay check was deposited in my account on XX/XX/XXXX and I had a balance at that time {$8000.00}. My regular payment is {$2700.00}. 

I had assumed the payment was going to be processed and did n't think about it again until I looked for it having cleared my bank on XX/XX/XXXX or XX/XX/XXXX. I saw that it had not come out yet, but I thought maybe because of the XX/XX/XXXX holiday it had taken longer than usual. I then did n't think to look again until XX/XX/XXXX. When I saw that it still had n't cleared I called the company up to see why they had n't processed the payment. They said they did n't see that I had ever set up a payment. 

I had actually taken a screen shot of the confirmation of the payment and so I asked them to research the payment with my confirmation number. They told me that the payment had been set up and then immediately cancelled by me. I told them that I never cancelled the payment and they had an issue with their computers and was basically accused of being a liar. They told me to call back the next day. I immediately set up the payment again and followed up the next day with another person at Caliber. This person actually did call me a liar and said it would be easy to set up a payment then cancel it and say you had made a payment. I asked for a supervisor and was put on with a gentleman by the name of XXXX. He said he would research the issue and get back to me. He never did, but I was able to get his phone number and call him back. He said he had not heard back from XXXX but would call me when he heard something. I 'm still waiting for that call. I 've left two voice mails for him too. 

This is an awful company who does n't feel accountable to it 's customers and I would go so far as to say has disdain for them. I now have a negative credit report for my mortgage. I am trying to refinance with a new lender. I 'm outraged at being accused of lying about something like this when they made the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: GA

Complaint narrative:
This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

Capital One responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement Capital One provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my Capital One accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request Capital One update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $  XXXX/ {$48000.00} NO EXPLANATION )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was really surprised when I received a copy of my credit score showing XXXX points lower due to the closure of Macy 's credit card by the merchant. This is a very abusive practice from Macy 's due that Macy 's is penalizing a customer for not using their credit card and in addition without previous warning and without giving the opportunity to the customer to remedy the situation even when knowing how closing an account by the merchant will affect the credit score of the customer. This is abusive and against the fair and safety practices towards a customer. Called Macy 's customer service and talked to XXXX who informed me that she could not do anything that it is Macy 's practice to close an account after it has not been used for a period of time and if I wanted I was more than welcome to apply for a new Macy 's card. I can understand that Macy 's can have their policies for the use of Macy 's card, however, I have been a cardholder since 2014 and never been late with my payments, in fact, I never carry any balances due that I paid off the balance as soon as I received the statement. Macys did not even have the courtesy and the business integrity to let me know that they were closing my account. No previous notice, no letter informing about the decision, nothing, they just closed the account without including any information or reason to the credit bureaus on why they were closing the account, it only shows account closed by the merchant, which resulted in lowering my credit score for XXXX points. This is not fair, this can not be legal, and moreover, when based on the new law my credit scores were supposed to increase and now they are lower than ever. I need your agency to investigate this matter due that Macys is on purpose and knowingly hurting the most important tool a person could have to keep and maintain good credit scores in order to receive good rates in any service that the credit report is required, including employment.

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 2017-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,

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