vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In  XX/XX/XXXX  I took out a mortgage loan with  XXXX   XXXX   XXXX ,  XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates.  <P/> On  XX/XX/XXXX , there was an assignment of mortgage filed with  XXXX   County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from  XXXX   XXXX   XXXX ,  XXXX . to  XXXX   XXXX . On  XX/XX/XXXX ,  XXXX  started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible?  <P/> I also never receive any bank statements from  XXXX    XXXX   instead I receive mortgage statements from Everbank which is a party that I am not familiar with.  <P/> I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied  XX/XX/XXXX . The I resubmitted another loan modification application on  XX/XX/XXXX  which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay.  <P/> I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My mother got behind when my dad died. She is in an adjustable mortgage an d Wells Fargo will not work with us to get a fixed rate and bring her mortgage current.  They keep suggesting she do a deed in lieu of foreclosure even though she is only {$10000.00} behind or 100 days. She has equity in the house but they refuse to work with her. She is  XXXX   years old an d I feel they are taking advantage. I have been overpaying the mortgage for 3 months and they accept the payments

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 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT , INC  XXXX   XXXX   XXXX    XXXX   /   XXXX    XXXX   XXXX ,    2014  {$1600.00} -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  This company is reporting a disputed debt on my credit report. I have previously contacted the company and requested verification and validation of debt per my right under the FDCPA secti on 809 ( a ) and ( b ) this com pany refuses to provide. I do not owe this debt! I am demanding proof be sent to me via email  XXXX  XXXX  XXXX . The last  XXXX  of my SSN are  XXXX . Also this company must have a surety bond to collect in my state. I am aware I can file a civil lawsuit and see actual and statutory damages from you and your client. It is a violation of the FCRA to reported a debt on my credit report and not flag it as dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Our home suffered a loss due to bad pipes underneath my home. Our insurance adjuster came out and issued a substantial money payable to us and the mortgage company to repair our home. We endorsed these checks and sent them to their Loss Draft Department who was to hold in escrow and disburse back to us so we can effectuate repairs to our home. During the construction process the mortgage company released money back to us and our General Contractor, however in order to finalize the construction, we need the remaining balance of funds. Unfortunately the mortgage company wants us to be 100 % complete before they release the balance of our money. I 've tried for the past three weeks   starting end of  XXXX     2017 to e xplain, we ca n't get to 100 % complete without the balance of our money. This project started in  XXXX     2017. My fa mily and myself have been displaced out of our home and can not complete the project without the balance of the money. They expect us to come out of pocket for the repairs. Unacceptable as we do not have that kind of money just lying around. They have not been reasonable or accommodating to finalize the end of this project. Please help so we can finalize this and get back into our home. I have numerous emails back and forth for months with these guys. My insurance company tried as well to get them to release our money to no conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.

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 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I sold an item on  XXXX  and sent wit h USPS postal service with tracking number an also insured it for {$600.00}. Twelve days later buyer reported that they did not receive an item. Pay Pal immediately stole my  funds and gave it buyer. Pay Pal had tracking number and shipping history and still did n't refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have been trying to receive back child support for years. Since  XXXX  I constantly checked my Eppicard and the balance was  XXXX  cents for years. On  XXXX   XXXX  I received an  XXXX   XXXX  card with child support on it and I found this strange so I went to Child Support Enforcement and went to the Clerk of Courts and received an audit that stated my child support was being paid all along. When I got home that day  I call ed Eppicard and was told I was issued  XXXX  cards and over  XXXX  was deposited since  XXXX . My card still stated the  XXXX  cents. I was told I must of spent the money and forgot, I ordered  XXXX  cards in four years and funny I still have the original since child support transitioned to debit card.  XXXX   XXXX  I was issued a new card cause I started an investigation with there fraud dept and the new card issued is one of the numbers on transactions from  XXXX ??? Then the other transactions that I never made were on a different card. On the statements there are large deposits made then withdrawled by who?? Not me cause I was still going to the courts, writing letters till  XXXX . What brings me to you is Eppicard stated they closed the case cause I did not file fraudulent charges in a timely fashion and how could I do that when my card still stated  XXXX  cents. They sent me transaction statements  XXXX   XXXX  and I followed all the proper procedures and still told case closed. My daughter and I were robbed of  XXXX  dollars and no accountability is being taken. I reviewed  XXXX  cases of the exact same situations from other Eppicard holders. I 've contacted an Attorney but they want a  XXXX  down and went to the courthouse but modifications ca n't be made cause money was deposited and applied to the Eppicard. The entire responsibility is on Eppicard for mishandling what is due me and hundreds of others. I need help recovering what is due me. I asked Eppicard fraud dept to investigate, get signatures and match to mine, get video where withdrawals were made anything they said case closed! Please, any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the Bank of America, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest. When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get XXXX to agree to Identity theft, and XXXX XXXX and XXXX. However, they would not take the debt off. The Bank of America wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XX/XX/XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the Bank of America, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by Bank of America continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX, and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the Bank of America charge off. The Bank of America does not recognize its own charge off and has left it on their books as 3 open card  accounts. Can you help me clear this up? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: CA

Complaint narrative:
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by  XXXX  and  XXXX . However, Experian still maintains these collection debts on it credit report.

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 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Company
State: LA

Complaint narrative:
I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   total  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 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were disputed as fraudulent and  XXXX ,  XXXX  and tranunion have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , total  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 2017-06-10 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: CA

Complaint narrative:
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by Transunion and  XXXX . However,  XXXX  still maintains these collection debts on it credit report.

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 2017-06-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On  X/X/2017   , Experian received my certified request dated  XX/XX/2017   . The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act,  15 U.S.C. 1681g, I requested disclosure of documents recorded and retained in their file ( s ) at the ti me of this request concerning the accounts being reported in my credit report.    Three additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial r equest. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Experian of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

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 2017-06-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
Solomon and Solomon cla ims I owe  XXXX  to  XXXX   XXXX , this account was paid off a t one poi nt, fraudulent charges subsequently placed on it. Despite fraudulent charges, I was making payments on the account in the amount of  XXXX  per month. Due to some returned payments, which were in error by my bank, the account was closed and charged off. Please not e, Solomon and Solomon is the se cond collection agency attempting to collect on this debt.. XXXX  (  XXXX   XXXX   ) , previously  attempted to collect on this debt and I believe they sold the account to  Solomon  and  Solomon realizing there is f raud and they could not collect on it.  XXXX  responded to a similar complaint by sending copies of statements which prove nothing, they failed to prove I authorized charges since account was paid off. They then referred account to  Solomon and Solomon,  please advise them as I have advised prior collection agency, the payments made to  XXXX    XXXX   despite fraud will be the only payments made on this account and to accept it as settlement.

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