vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northland Group Inc
State: GA

Complaint narrative:
I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.

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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX  XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently viewed my credit reports and the company Portfolio Recovery has been reporting and also trying to collect funds on a old account where XXXX XXXX is the original creditor. The first amount is for {$4400.00} and the second amount is for {$810.00} Portfolio Recovery Associates is not licensed to collect in Florida according to the Florida Office of Financial Regulation. So therefore any collection efforts should cease and any collections reported on any of my credit reports should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: Colony Brands, Inc.
State: NV

Complaint narrative:
I have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was  also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I previously instructed USAA to discontinue communications with me in all shape, manner and/or form.Recently USAA representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed USAA to cease and desist. They in turn have begun calling and sending emails and USAA Message notices. This is in strict violation of the cease and desist. Additionally, USAA sold the alleged credti card debt to the XXXX XXXX who in turn have been contacting me. Due to this transaction, USAA does not even have standing and/or an interest basis to be contacting me except to harass. I provided the XXXX XXXX an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the XXXX XXXX to cease an desist in all forms of communications. The correspondence ( s ) are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Several months ago, I asked for the original loan documents for my student loans serviced by Navient. Navient responded by telling me that they would send the documents to my home address. To date, they have not done so. I have requested these documents multiple times, and have never been provided any proof that the original loan documents actually exist, the amounts of the loans I have taken out, the interest rates I agreed to pay, or any other details I am seeking. I do not understand why Navient can accept my payments every month with no issue but can provide no documentation of the terms, interest rates, or proof that the loans actually exist. I can not review Navient 's performance in servicing these loans if I can not see the original loan documents themselves. I feel this is an unfair and abusive practice, and I hope you investigate this matter under your UDAAP authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: DISCOVER BANK
State: MI

Complaint narrative:
I received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NC

Complaint narrative:
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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 2017-08-02 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: NC

Complaint narrative:
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a check to be given to my landlord by my roommate, It was dated the XX/XX/XXXX. on the XX/XX/XXXX I awoke to find that my account was overdrafted because the check was able to be cashed on XX/XX/XXXX, even though that date was not valid to cash the check. I was told by the the receiving bank that they had no problem taking the check which was not yet valid ( to my knowledge ). The drafting bank did refund the overdraft fee, but I feel as if this is insufficient protection to the consumer. I am a resident of FL. This practice is damaging not only to the consumer but to the reputation of banks and banking practices. If any other type of payment system/contract was handled in such a way, ACH for example, lawsuits would quickly follow and judgement awarded. I do not feel that my signature alone on a promissory note is sufficient and should only be honored on the date the check was intended to be deposited and not just accepted and executed because it is signed. To me that is as unscrupulous as changing the amount of on the check itself. It is a whole document, banks should not be able to pick and choose what parts of a check are important and which are not. My signature states that the check is good on the date promised, not before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.

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 2017-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.

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