vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.

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 2017-07-05 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency,  XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX  report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.

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 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Information Corp is reporting to XXXX an account that is not mine as a result of ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have received another demand lette r, ( {$6400.00} ) t his time from  XXXX   XXXX , for a debt that was settled ov er three deca des ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.  <P/> I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX.  When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.

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 2017-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: FL

Complaint narrative:
Mortgage company said they could close my loan this Friday. They indicated this and locked the loan in on  XXXX . They are now denying that they knew about the  XXXX / XXXX / 17  close date and will not compensate me for damages that has resulted in this. I now have to pay to keep a truck longer. Pay movers to move the date to unload. I will be out of town so now I will have to have the truck monitored so there is no theft. Countless other little and large things to add to all of this. Attached is proof that they knew about the close date. I 'm sure they will keep fighting this from what they said to me on the phone that it 's not their fault but I have everything documented and can bolster any argument on my side showing my due diligence and their lack of following up.

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 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
For the past 3 months i have tried o communicate with AWA Collections in regards to an unknown account they placed on my credit. I have also sent them certified notices which they have received but have failed to respond to me. I was not contacted via phone or in writing about the debt. i discovered it on my credit and i am not sure what it is for or who it belongs too ... .. i just know this is an error- it is not my debt and it was not validated.     AWA Collections Account  Number   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Greetings I have a account with Coinbase, IncAddress : XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXX I went to XXXX and received a email from coinbase that my account was closed because I was in a use sanctioned country so when I come home to XXXX I sent them my passport copy and driving licence as proof I have emailed them numerous time without success They tell me to Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX the only goes to support not to my case could you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) inc. based in XXXX XXXX XXXX, Utah took over my mortgage from XXXX. I have three specific complaints against SPS. <P/>( 1 ). During this acquisition, I had a home insurance recovery fund with XXXX. XXXX already paid two installments of the insurance recovery fund and did necessary inspection to pay the 3rd & final installment of the fund ( approx 13K ). <P/>Since the takeover, SPS is giving me run around and as of yet did not release the final installment of my recovery fund. After 9 months of pursuance, SPS finally did an inspection and now saying they have to verify some info with XXXX and froze my fund!! This situation is holding finishing my house work costing me additional living expenses. I am living out of home because I can not complete the restoration work without the insurance recovery money and SPS has already delayed 1 year. SPS is causing me immense hardship and disrupting my personal, social and married life. <P/>( 2. ) During the acquisition, my principal balance with XXXX as of XX/XX/XXXX was $ XXXX whereas SPS is showing $ XXXX as my principal balance. After repeated requests to correct this, SPS is not correcting the amount. I have statement from XXXX showing it was XXXX during the acquisition. <P/>( 3. ) My previous home insurance company dropped me in early XX/XX/XXXX due to hurricane reduction. I got a new home insurance and all documents were sent to SPS via fax and U.S. mail on XX/XX/XXXX. SPS as of today did not pay the premiums to the home insurance company and the new company is about to drop me. <P/>Basically, SPS is playing a foul game and causing me serious financial hardship. My social and married life is at jeopardy for the same reason. I did not choose SPS and I have no role in their acquisition of my mortgage. They are holding my last and final installment and not letting me finish the house work. I am paying my mortgage regularly but I am out of that home for more than 1 year because of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OnXX/XX/XXXX - connecting flight through XXXX- purchased small magnet and wooden doll - asked sales clerk who spoke perfect XXXX about the price - $ XXXXUSD - gave credit card and handed sales slip written in XXXX with the amount of XXXX rubles - upon return home, discovered a charge of {$340.00}, not {$40.00}. Disputed charge onXX/XX/XXXXand XX/XX/XXXX to Bank of America ( Case # XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) and received reply that ... '' By giving account number to merchant and/or signing sales slip, ( I ) authorized them to bill account for the amount in question. '' Bank of America failed to investigate my claim, failed to hold back the charge while they investigated the matter and on XX/XX/XXXX ( XXXX PST ) spoke to Customer Rep. XXXX XXXX  in Tennessee who said there was nothing they could do, even though this unauthorized charge violates the Fair Credit Billing Act and Bank of America refuses to do their job.
<P/>
I provided BoA with a copy of the sales slip -- -and this obviously is not the first time it 's happened to unsuspecting tourists. Sadly, BoA refuses to abide by the Truth In Lending Act and should be sanctioned for failure to follow 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 explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out my first private loan with XXXX XXXX in XX/XX/XXXX. Since then I have taken out a large number of loans ending in XX/XX/XXXX. I have a balance over 100k which I do earnestly intend to pay off once I graduate with my XXXX and land a job. This past semester I finished my XXXX and have been accepted into the XXXX XXXX ( same school, XXXX University ) for the fall. I am currently enrolled and should be eligible for in-school deferment. Today I was told by a Navient representative ( XXXX XXXX moved my loans to its sister company ) that I am 1 month away from a 48 month limit on in-school deferment for private loans. The problem is that my Masters Promissory Note ( s ) does not have this agreement. The various notes that I signed state that I have indefinite deferment as long as I am in school. <P/>*Below I have attached a sample promissory note saved back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
Received 2 phone calls from a lady saying her name is XXXX XXXX and she is an arbitrator with XXXX, XXXX, XXXX XXXX. Later in the call she said she is with P & B capital management. She told me she was hired to collect a debt but listed 3 different debt amounts. I asked her for the original creditor 's information like name and phone number but she co u ld not provide it. I then asked her to send me a debt validation letter and she said she would email it but it was never sent. She told me my case was in prelegal status and the next step was to take me to court. One mon the later she called back still unable to verify debt, she was yellin at me, and saying they have permission to garnish my check and take me to court. She ended the call by saying see you in court. Nothing was verified. Just demanding I pay {$600.00} now without knowing who she is and what sent this is. There is so debt currently for sny cards In my credit profile. Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Colony Brands, Inc.
State: NC

Complaint narrative:
I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I signed up for a financing company to finance engine work done to my car. When i was signing up i was told that the have a 90 day pay off before they apply interest rates. I was also told that it would be 21 % after i signed up. I made 4 months of payments and on the day of XXXX XXXX 2017 i was informed that i have a 199 % interest rate which i never agreed on or signed up for. I was never informed or it was never documented that i would have that interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

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 2017-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX. <P/>After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage. <P/>I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing. <P/>After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. <P/>XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full. <P/>On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.
<P/>I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full? <P/>The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to. <P/>On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents. <P/>XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents. <P/>I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them. <P/>In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance. <P/>The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Merchants and Medical Credit Corporation, Inc.
State: CA

Complaint narrative:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have autopay set-up for  XXXX  federal loans. Navient did not process the autopay as contracted for  XXXX / XXXX /   2017  forcing me to make a manual payment. They are claiming I am pass due. They are responsible for initiating the autopay.

Company response to consumer: Closed with explanation